How can we help?

We work with professional landlords and property investors who own or are purchasing buy-to-let properties in Spain. This includes individuals with existing portfolios, investment companies, and those expanding into Spanish rental markets. Both Spanish residents and non-residents with EU/EEA citizenship qualify. We focus on the property's rental income potential rather than your personal income.

No. We finance properties for both Spanish residents and non-residents. If you're an EU/EEA citizen or have a valid Spanish residency permit, you can apply. Our process is designed for international investors, with full digital document submission and English-language support throughout.

No. Unlike traditional banks, we do not require income verification, employment checks, or tax returns. Our approval is based on the property's rental income potential and your track record as a landlord. This makes our process significantly faster and removes the documentation burden typical of conventional mortgages.

While we primarily serve established landlords, we do consider first-time BTL investors on a case-by-case basis. If you have strong financial standing, a clear investment strategy, and a property in a high-demand rental area, we can work with you. Reach out to discuss your specific situation.

Yes. We accept applications from multiple co-borrowers or investment partners. This is common for portfolio expansion or when purchasing higher-value properties. All co-borrowers will be jointly liable for the mortgage.

We finance residential buy-to-let properties including apartments, townhouses, and detached homes intended for long-term rental. Properties must be located in Spain's major metropolitan and high-growth coastal areas. We do not finance holiday homes, commercial properties, or properties with significant structural issues.

We offer financing up to 60% LTV for most properties. This means if your property is valued at €300,000, you can borrow up to €180,000. Lower LTV ratios (50% or less) qualify for our most competitive rates. The exact LTV depends on property location, type, and your portfolio profile.

We finance properties across Spain's most dynamic rental markets, including Madrid, Barcelona, Valencia, Seville, Málaga, Bilbao, Alicante, Zaragoza, Cádiz, and Murcia. If your property is in another area, contact us to discuss eligibility.

No. The property does not need to have a tenant at the time of application. However, it must be "rentable" — meaning it's in good condition and marketable to tenants. Our valuation assesses rental potential. Once approved, you typically have 90 days to secure a tenant and provide a rental agreement.

We only finance completed, habitable properties. New builds must have final occupancy certificates. We do not provide construction loans or financing during renovation phases. If you're planning significant renovations, the property must be completed and valued afterward before we can provide financing.

We do not finance rural properties, agricultural land, holiday/vacation homes, commercial real estate, properties with unresolved legal disputes, or those in violation of local zoning regulations. Properties must meet Spanish building codes and have clear title.

Most complete applications receive a binding offer within 7 days. The timeline is: Day 1 — submit application; Day 2 — receive indicative offer; Day 5 — get binding offer after property valuation; Day 7 — funds ready for closing. Over 92% of our applications meet this timeline.

You'll need: (1) proof of property ownership or signed purchase agreement, (2) recent rental income statements if applicable, (3) property valuation or recent appraisal, (4) valid government-issued ID, and (5) proof of existing portfolio if applicable. Our digital platform guides you through each document with clear instructions.

We use a combination of automated valuation models and local market data to assess your property. Most valuations complete within 48 hours without physical inspection. If an in-person appraisal is needed, we coordinate it at no additional cost within 2-3 days.

Yes. Portfolio landlords can submit applications for multiple properties simultaneously. Each property is assessed independently, but we often provide bundled terms and preferential rates for portfolios of 5+ properties.

While we accept direct applications through our online platform, we also partner with licensed mortgage advisors and brokers. If you prefer working through an advisor, they can guide you through the process. Either way, our team provides dedicated support.

Once you accept the binding offer, our legal team prepares the mortgage deed. You'll sign at a local notary (we coordinate this), and funds transfer to your account or directly to the seller within 24-48 hours. Your account manager oversees the entire closing.

Our rates start from 3.8% and vary based on your loan term (1, 3, 5, 7, or 10 years), LTV ratio, and property characteristics. Lower LTV ratios receive better rates. You can choose between fixed-rate and variable-rate mortgages. View current rates at sodabrothers.eu/rates.

Fixed rates remain constant throughout the loan term, providing predictable monthly payments. Variable rates fluctuate with the Euribor index and may change over time. Variable rates typically start lower than fixed rates but carry more uncertainty. We help you choose based on your investment strategy.

No. We pride ourselves on transparent pricing. There are no application fees, no early repayment penalties, and no hidden charges. The rate you see in your binding offer is the rate you pay. Property valuation is included at no extra cost.

We offer terms of 1, 3, 5, 7, and 10 years. Shorter terms generally have lower rates, while longer terms provide more payment stability. Most landlords choose 5 or 7-year terms to balance rate competitiveness with cash flow predictability.

Yes. Once you receive a binding offer, your rate is locked for 90 days. This protects you from market fluctuations while you finalize your purchase or refinance.

Monthly payments are automatically debited from your designated bank account on the 25th of each month. You'll set up the SEPA direct debit authorization during closing. You can view payment history and upcoming payments through your online dashboard.

Yes. We allow early repayments without penalty fees. You can pay off part or all of your mortgage at any time. This flexibility is important for landlords who want to optimize their portfolio as property values or rental income increase.

You can update your payment account anytime through your online dashboard or by contacting your account manager. Submit a signed SEPA authorization form and a recent bank statement, and we'll process the change within 5 business days.

If a payment fails, we'll notify you immediately via email and SMS. You'll have 7 days to remit the full amount plus any accrued late interest. We understand that payment issues happen — contact your account manager right away if you anticipate any difficulties.

Direct mid-term increases aren't available, but you can refinance your existing mortgage with an increased loan amount. This is common when landlords want to release equity for additional property purchases. Contact us to discuss refinancing options.

Every client gets a dedicated account manager who knows your portfolio and responds within 24 hours. You'll also receive quarterly market insights, refinancing alerts when rates drop, and priority processing for additional property applications.

Yes. Your online dashboard lets you view loan summaries, download statements, update contact information, track payment history, and submit service requests. It's available 24/7 from any device.

You can sell at any time. Notify your account manager, and we'll provide a payoff statement. The mortgage is settled from sale proceeds at closing. If you're selling one property in a larger portfolio, we can often restructure terms for your remaining properties.

Log into your dashboard and upload updated rental agreements or income statements. This helps us maintain accurate records and can improve terms when you apply for additional financing.

Yes. If you have an existing mortgage with another lender, we can refinance it — often at better rates and terms. Refinancing also lets you release equity for portfolio expansion. Our existing clients receive expedited refinancing approvals.

We take complaints seriously. Contact your account manager first. If unresolved, escalate to our customer service team at complaints@sodabrothers.eu. We respond to all complaints within 5 business days and aim for resolution within 15 days.

Yes. SodaBrothers operates under Spanish and EU financial regulations. We are licensed and supervised by the appropriate regulatory bodies. Your funds and data are protected according to EU standards.

We comply with GDPR and maintain strict data security protocols. Your information is encrypted, stored securely, and never shared with third parties without your consent. Read our full privacy policy at sodabrothers.eu/privacy.

We evaluate each application individually. While we don't perform traditional credit checks, significant unresolved debts or legal judgments may affect eligibility. Contact us to discuss your specific situation — we're often more flexible than traditional banks.

Our support team is here to help. Email us at info@sodabrothers.eu, call +34 91 234 5678 (Mon-Fri, 9 AM - 6 PM CET), or visit our support page to submit a detailed inquiry. We typically respond within 24 hours.