Mortgage formalization

Looking for the perfect accommodation in Spain? The company ARCOSTEC invites you on an exciting journey through the world of real estate! We specialize in the sale of quality properties in the most picturesque corners of Spain and provide a full range of services for your comfort and satisfaction.


  • Wide Choice: We offer a variety of properties, from cozy apartments on the coast to villas in the mountains, to satisfy your most sophisticated tastes and preferences.

  • Professional Support: Our experienced specialists will provide you with comprehensive support at every stage of purchasing real estate - from choosing a property to completing the transaction and receiving the keys.

  • Help with Mortgages: We provide professional assistance with obtaining mortgages in Spanish banks to make the process of purchasing real estate as convenient and accessible as possible for you.

  • Safety and Reliability: ARCOSTEC is a guarantor of your peace of mind and confidence in the transaction. We only work with verified entities and provide complete transparency and honesty in all our business dealings.

Ready to start your real estate adventure in Spain? Contact us right now and we will help you find your dream property and get a mortgage under the best conditions! Together we will make your dream of living in Spain a reality!

Mortgage in Spain/Torrevieja/Alicante

To obtain a mortgage in Spain you will need certain documents and fulfillment of certain conditions. Here are the basic requirements:

  1. Income proof: Banks usually require proof of your income. This could be wages, tax returns, bank statements, or other documents that prove your financial stability.

  2. Passport and NIE:You will need a valid passport and foreign identification number (NIE), which is mandatory for foreign citizens wishing to obtain a mortgage in Spain.

  3. Employment certificate: Some banks may require an employment certificate or work contract to confirm your employment and stable source of income.

  4. Credit history: Banks will be interested in your credit history, so existing loans or debts may influence the decision to issue a mortgage.

  5. Marriage Certificate (if available): If you are applying for a mortgage with your spouse, a marriage certificate may be required.

  6. Other financial obligations: Banks may ask for information about your other financial obligations, such as credit cards, car loans, etc.

  7. Personal contribution:Usually you are required to make your own contribution for the purchase of real estate, which usually ranges from 20% to 30% of the cost of the property.

  8. Real estate valuation: Banks may require a real estate valuation to ensure its value and the expected loan amount.

These are general requirements that may vary depending on the bank and your specific situation. It is best to contact your bank or mortgage broker directly to obtain detailed information about the requirements and procedure for obtaining a mortgage in Spain.

Help in obtaining a Mortgage

Do you want to buy property in Spain, but are not sure where to start? Do not worry! ARCOSTEC provides a full range of services for obtaining a mortgage, including assistance with collecting all necessary documents.

What we offer:

  1. Individual Approach: Our specialists will provide you with personal attention and help you develop a strategy for obtaining a mortgage based on your needs and capabilities.

  2. Collection and Preparation of Documents: We will help you collect all the necessary documents for obtaining a mortgage, including income certificates, bank statements, proof of employment and others.

  3. Advice and Support: Our experts will be with you every step of the way, from start to finish. We will answer all your questions and provide you with the support you need throughout the entire process.

  4. Cooperation with Banks: We have partnerships with leading banks in Spain and will help you choose the best mortgage loan offer.

  5. Transparency and Trust: We value your trust and guarantee complete transparency in all our business dealings. You can be sure of the reliability of our services.

Don't waste time and money worrying! Contact us right now and we will help you get a mortgage to purchase your dream property in Spain!

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