Are mortgage brokers in Spain more expensive than in the Netherlands and/or Belgium? And why is it still worth it?

At first glance, the costs for mortgage brokerage in Spain seem higher than in the Netherlands. But that price difference is logical—and often a smart investment. Why?

✅ Complexity: Applying for a Spanish mortgage as a non-resident is anything but standard. Your broker must not only know Spanish banks, but also your Dutch income structure, your tax situation, and local regulations. That requires double expertise.

✅ Full service package: In Spain, your mortgage broker arranges much more than just the loan:

✅ Niche market & tailor-made solutions: This service is intensive and aimed at a relatively small group of foreign buyers. That means tailor-made work—so also higher costs.

💶 What does that cost on average?

📉 And then there’s the interest rate...

The mortgage interest rate for non-residents in Spain is currently between 2.5% and 3.8%. In the Netherlands and Belgium, it is up to 4% and even more.

🔢 A concrete example:

👉You finance €250,000 for 20 years with an annuity mortgage

👉 That’s a difference of €60 per month, or €14,400 over 20 years.

Even if you pay €5,000 once to a specialized Spanish mortgage broker, your net benefit is still around €9,400.

Work it out for yourself: see how much you could save if you paid an interest rate of 5.5% compared to 3.5%...

🎯 The conclusion: Yes, a Spanish mortgage broker costs more. But you gain:

✔ Time
✔ Certainty
✔ Access to better interest rates
✔ Full guidance from A to Z

➡️ And that gives you much more in the long run than it costs.

Do you want the detailed version of this article, where you can read even more about the why... send us a message via the contact form and we’ll provide you with this document by return email.

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