Mortgage Assistance / financing

Personalized Property Search & Financing

WORKING TOGETHER

We work with you to come up with the very best solutions for your challenges!

01

🌟Your Mortgage, Simplified!

We Make It Easy –

Ario specializes in helping non-residents secure the best mortgage deals hassle-free.

✔ Fast-track approval – Preliminary agreement in 48 hours
✔ Expert negotiation – We work with top Spanish banks to get you the best interest rates
✔ No brokerage fees – Our service is 100% free for you (the bank pays our commission)
✔ Personalized service in English, French, Dutch, and Spanish
✔ Full assistance from start to finish – We handle the paperwork and connect you with lawyers, real estate agents, and currency exchange services

Experts in international clients from over 20 countries across Europe and beyond

02

🌟 Banking & Legal

We work only with top-tier banks and offer our services with 0% broker fees – our work is paid by the bank that grants your mortgage.

🔹 Licensed by the Bank of Spain
🔹 Certified multilingual team – English, Norwegian, Persian & Spanish
🔹 Fully online process – clear, fast and secure

03

🌟 NIE & Tax Assistance

360º premium service through our trusted partners:

NIE application (optional, fast & remote)
Independent real estate lawyers
Currency exchange specialists
Reputable real estate agencies
Setup of water, electricity, internet and alarm systems after purchase

04

Your Mortgage, Simplified!

If you are employed by a company:

Copy of your last annual income tax return (or P60)
Copy of the last three wage slips
Copy of bank reference letter stating that you are considered to be trustworthy
Copy of your passport
Copy of your bank account statements for the last 12 months
Copy of a letter from an accountant and or employer stating your income



If you are self-employed:

Copy of your last tax return or copy of the last two years profit and loss accounts certified by your Chartered Accountant
Copy of a bank reference
Copy of your passport
Copy of your bank account statements of the last 12 months
Copy of a letter from your chartered accountant stating your current income

You can forward this documentation to us either by email, fax or post.

From Search to Care: Your Marbella Property Journey

Marbella Real Estate Market Insights

The Marbella property market remains robust, driven by consistent demand from both local and international buyers. Diverse property options, from modern apartments to luxury villas, cater to various investment goals. This steady interest supports a healthy market with promising returns, making Marbella an accessible and attractive destination for property investors seeking long-term growth and rental income.

9,7%

Yearly growth rate in property values

12,5%

Typical rental return in sought-after areas

Financing Made Simple

We know that big agencies dominate the market with flashy marketing and an overwhelming number of agents, but the truth is—many of these agents work independently, and clients often get lost in the shuffle.

At Ario Properties Marbella, you are never just another transaction. You are our priority. We take pride in offering a more personal, dedicated, and exclusive experience, ensuring you receive the attention and guidance you deserve.

Our experts help you explore mortgage and financial aid options tailored to your needs, making your Marbella property purchase straightforward and affordable.

Explore Financing

Mortgage Pre-Approval

Secure your buying power early with pre-approval, giving you confidence and a competitive edge.

Know your budget upfront

Government Assistance

Access local grants and subsidies designed to ease your investment costs in Marbella.

Benefit from available programs

Flexible Repayment

Choose repayment plans that fit your lifestyle and financial goals for stress-free ownership.

Payments tailored to you

Smart Budgeting

Plan your finances effectively with expert advice to cover all costs from purchase to move-in.

Comprehensive cost planning

Client Stories

Hear how our tailored mortgage advice and dedicated support have helped clients secure their ideal homes with confidence and ease.

Ario Properties Marbella took the complexity out of buying our first home. Their mortgage guidance was clear and saved us significant costs. We felt truly supported every step of the way.

Bita& Chris Hefferman

16 months ago

The team’s personalized approach made financing straightforward. Their expert advice helped us find the best mortgage options tailored to our needs. Highly recommend!

Ragabi Family

20 months ago

From initial consultation to final paperwork, Ario Properties Marbella provided patient, expert support. Their financial aid assistance made owning our dream property possible.

Emily Carter

11 months ago

Your direct line to expert property advice