Financing for your property investment
We assign you a specialist financing advisor who negotiates with banks and partner lenders on your behalf. No cost, no commitment.
Access to the Arkos Finance client area
Four ways to enter the deal
Every kind of purchase has its own route, its own criteria and its own paperwork. These are the four we work with.
- Purchase financing
The mortgage on the property you are buying, negotiated with several lenders at once.
See details - Mortgages for non-residents
If you do not live in Spain, we work with the lenders that do underwrite this profile.
See details - Mortgage broker
We take your file to the market and negotiate rate, term and fees on your behalf.
See details - Property personal shopper
We search and negotiate from your side of the table, not the seller's.
See details
A network of lenders, a single conversation
We do not depend on one bank. We negotiate in parallel with different types of lender to find the one that best fits your deal.
- National banks
Traditional mortgages
- Private banking
Bespoke transactions
- Debt funds
Alternative financing
- Partner brokers
Specialist network
The backing of a network that already delivers
Figures from our real track record supporting investors.
- +300transactions
supported
- €0cost
to you, always
- 24-48hours
to the first answer
- 1:1advisor
assigned to your deal
How we walk you through every step
From the moment you tell us what you need to the signing, with a single person leading your deal.
- 01
You tell us what you need
You tell us the amount you want to finance. There is no cost or commitment in asking.
- 02
We assign you an advisor
A specialist from our network studies your case and stays with you personally throughout the process.
- 03
We gather the paperwork
We tell you exactly which documents apply to your situation, and help you prepare them.
- 04
We close on the best terms
We negotiate on your behalf with banks and partner lenders until the financing is secured.
The advantage of having a specialist
The same deal, two very different ways of reaching the bank.
- Lenders you reachSeveral in parallel
- Who negotiatesA specialist advisor
- PaperworkExact list for your case
- Service cost€0
- First answer24-48 h
- Lenders you reachOne at a time
- Who negotiatesYou do
- PaperworkTrial and error
- Service cost—
- First answerWeeks
What people ask before starting
The questions that come up in the first conversation, answered here.
How much does the service cost?
Nothing to you. Arkos Finance charges the applicant no fees: we are paid by the lender the deal closes with.
Does asking for a pre-study commit me to anything?
No. The pre-study is a feasibility read. If what comes back does not suit you, that is where it ends.
Does looking at my case affect my credit record?
The pre-study involves no formal enquiry to any lender. Your file is only submitted once you decide to move forward.
Do you work with companies or only with individuals?
Both. The paperwork differs, but we structure deals in a company's name just the same.
What if my bank has already said no?
One lender saying no means your profile does not fit its criteria, not that the deal is unviable. We take the case to lenders with different criteria.
Request your free financial analysis
Tell us about the deal and an Arkos financing specialist reviews your case to tell you what financing you can get. No account, no cost, no commitment.
- A person reviews it, not an automated form.
- You get the amount, term and terms you could qualify for.
- Reply within 24–48 business hours.
- No account or paperwork needed to start.
Shall we start with your deal?
Tell us what you want to finance. A specialist reviews the case and gives you a first read at no cost.
No commitment · Answer within 24–48 working hours