Mortgage Advisory · Dossier Preparation

Mortgage Application
Structuring

Get your Spanish mortgage application right the first time. We prepare your dossier, analyse your debt ratio, match your profile to the right lenders, and give you a clear roadmap — so you walk into the bank ready.

Your structuring package will include

  • 72-point document checklist
  • Bank dossier assembly guide
  • Debt ratio (DTI) analysis
  • Lender matching recommendations
  • NIE & account setup roadmap
  • New-build milestone guidance
  • Autopromotor disbursement plan
  • Red flags & approval risk review

Advisory service — not a mortgage broker. Polder to Playa prepares your application package and provides guidance on structuring your dossier. We do not act as mortgage intermediaries (intermediación financiera), recommend specific mortgage products for commission, or submit applications on your behalf. The client submits the application to their chosen bank independently or via their own regulated broker.

1 Select Your Service Tier
2 Employment & Income
Combined income if co-applicants. Rough range is fine.
3 Residency & Nationality
Non-residents typically limited to 70% LTV; residents up to 80%.
Required for Spanish mortgage direct debit.
4 Property & Budget
New-build and autopromotor have different mortgage structures and disbursement stages.
Plus ~10–14% for taxes and fees on top of deposit.
5 Existing Debts
Car finance, personal loans, credit cards. Used for DTI calculation.
6 Additional Context
The more context you provide, the more tailored your structuring guidance will be.
7 Your Details
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Secure payment via Stripe
Delivered in 3–5 business days
Advisory only — not a broker
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