Your trusted mortgage broker for buying a home in Spain
One application. Multiple offers. Full support throughout.
Garu Estepona has partnered with Habeno to help you negotiate the best mortgage offers with leading Spanish banks. With personal advice throughout the entire process, Habeno ensures a smooth and secure journey from application to completion.
- Loan details
- Personal info
- Partner & consent
Garu Estepona, is a real estate agency directed by Roland Gillis, with more than 25 years of experience in the real estate market on the Costa del Sol. Since we established ourselves in 1995 in the town of Estepona in Malaga, we have become one of the leading real estate agencies on the Costa del Sol and we have grown considerably during all these years of activity, becoming experts in the Estepona area providing services in the whole of the Costa del Sol. At Garu Estepona we work with a highly qualified team of professionals. We are experts in the area and we are characterized by attentive and professional service. Through our collaboration with Habeno, you not only gain access to exceptional properties but also expert mortgage support tailored to international buyers. While Garu Estepona guides you in securing the perfect home, Habeno ensures you have the right financing solution - comparing offers from leading Spanish banks and providing personal guidance throughout the mortgage process. Together, Garu Estepona and Habeno make your journey to owning a property in Spain seamless, transparent, and tailored to your needs.
Handled by experts. Trusted by agents.
Buying a property in Spain is exciting – and financing doesn’t have to be complicated. With Habeno, one application gives you access to multiple Spanish banks and mortgage offers. An independent mortgage advisor specialised in international buyers guides you personally through the entire process to secure the best possible mortgage in Spain.
Bank comparison
With Habeno, one application gives you access to mortgage offers from multiple leading Spanish banks - enabling transparent comparison and stronger negotiating leverage on your behalf.
Expert advisors
Buying property in Spain involves several parties — banks, lawyers, notaries, and appraisers. Habeno’s senior advisors coordinate the entire mortgage process, ensuring a smooth, secure, and fully guided experience from start to finish.
Tailored financing
Every buyer´s journey is unique. Habeno provides personalized mortgage solutions tailored to your financial situation, ensuring the right structure, clear terms, and confidence throughout your property purchase.
What our clients say
Real experiences from clients who used Habeno to finance their home in Spain.
How it works
1. Get a pre-approval
Instant digital pre-approval so you can move forward quickly.
- Pre-approval in 24 hours.
- Loan offer within 1–2 weeks
- Full approval in ~6-8 weeks
2. Upload your documents
Your advisor helps prepare and submit your full application.
- Collect documents
- Verify information
- Submit to multiple banks
3. Review your offers
Compare all mortgage offers side by side with expert guidance.
- Review all offers
- Choose the best option
- We notify the selected bank
4. Closing
We coordinate every step for a smooth, stress-free completion.
- Appraisal arranged
- Legal & FEIN handled
- Notary signing scheduled