Expat mortgage provider
Foxes
Spain non-resident mortgage broker and legal service
Spanish mortgages for non-residents, with conveyancing and legal support in the same firm. The destination is Spain. This is not a worldwide mortgage broker.
At a glance
- Provider type
- Spain non-resident mortgage broker and legal service
- Global reach
- Spain specialist
- Primary audience
- International buyers purchasing property in Spain
- Destination markets
- Spain
- Borrower residence coverage
- International buyers
- Property purpose
- Residential purchase
- Foreign-currency income
- Non-resident specialist
- Complex income
- Case dependent
- High-value finance
- Not core
- Regulatory model
- Bank of Spain (D470)
- Pricing model
- Fees disclosed on acceptance
What type of mortgage provider is this?
Foxes is a Spain non-resident mortgage broker with a legal team. It is not a general worldwide mortgage broker and it is not an estate agency.
A broker may compare lenders. A direct bank offers its own products. This affects product choice and how the service should be compared.
Who it may suit
Foxes may be relevant to International buyers purchasing property in Spain.
Where can you finance property?
Published coverage is Spain nationwide. It is not a general overseas-property broker.
Where can borrowers live?
International buyers are the stated audience. Lender eligibility still varies by nationality and residence.
Main home, second home or investment property?
The published focus is a residential purchase in Spain. Buy-to-let and commercial finance are not described as core.
Lender criteria can differ for a primary residence, a second or holiday home, a buy-to-let, an investment, and commercial or development finance. Only the purposes named above are taken from this provider’s published material.
Foreign-currency income
Non-resident underwriting support is a core part of the published service. Acceptance of a particular currency is still the lender’s decision.
Salary paid abroad, bonuses and a mortgage in another currency can be assessed differently from local income. This page does not set out a lender’s affordability formula. Exchange-rate movements can change the real cost of repayments after completion.
Self-employed and complex income
Self-employed and complex income are case dependent. No underwriting rule is stated here.
Self-employed applicants, company directors, contractors, bonus or commission, rental income and income in more than one currency are separate questions. Ask which of them this provider will actually put to a lender.
High-value and private-bank finance
High-value or private-bank finance is not a core published service.
A larger loan, a private-bank relationship or assets under management can be relevant to underwriting. Assets do not automatically secure approval.
Regulatory and broker model
Registered with the Bank of Spain (D470). Mortgage broking and the Spanish legal team sit in one firm and remain different services. Bank of Spain registration is not a permission to advise in every country.
Provider model: Mortgage broker and legal team.
What the mortgage can cost
Client fees are described as disclosed on acceptance. Ask for the mortgage fee and the legal fee separately. This page does not state a rate or a loan-to-value.
A mortgage can include a broker fee, an arrangement or lender fee, valuation, legal fees, bank administration, mortgage registration, insurance where it is required, currency conversion and local property taxes. Request a written illustration or fee schedule before proceeding.
Documents lenders commonly ask for
Identity
Passport or other identification. The lender says which document it will accept.
Residence
Evidence of address and of where you currently live.
Income
Payslips, tax returns or company accounts, depending on how you are paid.
Banking
Account history and existing commitments.
Property
Reservation or purchase documents, and a valuation the lender commissions.
Source of funds
The deposit source and financial history may be requested.
Exact requirements vary by lender and jurisdiction. WiT Access does not collect these documents.
Questions to ask
These are questions for the provider. This page does not answer them for a particular application.
Do you lend directly or act as a broker?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Which property countries do you currently cover?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Which borrower-residence countries do you accept?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Do you accept income in my currency?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
How is foreign-currency income assessed?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Do you work with self-employed applicants?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Can you use rental income?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Do you support buy-to-let?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Do you handle high-value mortgage cases?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
How much deposit might be required?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Which lender fees apply?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Do you charge a broker fee?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
When is the broker fee payable?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Is the fee refundable if the mortgage does not complete?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Which entity provides the regulated advice?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Which regulator applies?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Do you search a lender panel or only selected lenders?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Can you coordinate valuation or legal work?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
What documents will lenders usually require?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
How long is a mortgage offer typically valid?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
What happens if exchange rates move before completion?
Ask Foxes directly. The published material reviewed for this page does not answer this for your application.
Sources and review
Reviewed 7 October 2026.
- Service page
https://foxes.es/
The provider’s published service description used for this page.
- Provider page
https://foxes.es/partners/
A further public page from the provider. It does not mean WiT Access has an agreement.
- Evidence page
https://foxes.es/about/
Further public material reviewed alongside the service page.
Information is based on publicly available provider information reviewed by WiT Access. Mortgage products, interest rates, lender criteria, residence eligibility, fees and regulatory requirements can change.
WiT Access provides general information and comparison resources. Mortgage availability, rates, fees, loan-to-value limits, affordability requirements and borrower eligibility vary by lender, property, residence, currency and individual circumstances. Nothing on this page constitutes mortgage, financial, tax, legal or investment advice.
WiT Access does not determine mortgage eligibility or approve mortgage applications.
Where regulated mortgage advice is required, it should be provided by an appropriately authorised adviser or lender.