Mortgage specialist Mike Brady of Finance Consulting Group returns to the NuSun Network for a no-nonsense deep dive into everything international buyers need to know about financing a property in Spain in 2026.From getting pre-approved before you find a property, to the one document (NIE number) that can make or break your timeline, Mike covers the full picture in plain English.In this episode you'll learn: Why Spain's mortgage process is still very analogue (and what that means for you) How much you can actually borrow as a UK, Irish, or Dubai buyer, Fixed mortgage rates for foreign buyers right now (hint: lower than you think), The critical difference between Spanish and UK equity release rules, What bare ownership is and why retiring expats are using it, How bridging finance works in Spain for smaller loans, Why Dubai buyers are flooding into the Spanish market right nowMike also shares the new mortgage calculator at financeconsulting.es so you can run your own numbers before your first call.🏡 Buying on the Costa del Sol? Visit nusunrealty.com or book a free discovery call with Chris Cassidy.Timestamp:0:00 Introduction & Why Spain's Mortgage System is Different0:39 Meet Mike Brady – Finance & Mortgage Specialist2:10 The Analog Nature of Spanish Banking5:00 Pre-Planning & Why Pre-Approval Matters9:40 Required Documentation (Passport, NIE, Bank Statements)12:52 The Critical NIE Number – 4-6 Week Timeline16:45 Mortgage Underwriting Assessment19:28 Realistic Application Timeline25:12 Spanish Banks & How Many to Approach28:45 Loan-to-Value by Country (UK vs Dubai vs Others)34:00 How Much Deposit You'll Need36:08 Current Interest Rates in Spain 202639:50 Home Insurance Requirements & Discounts44:31 The Full Service Approach to Mortgages49:26 Alternative Finance Products – Bridging Loans52:45 Bare Ownership Agreements Explained56:44 Why You Can't Easily Access Equity in Spain1:02:00 Refinancing vs Switching Lenders1:05:28 Can You Refinance After Improvements?1:09:15 Why Refinancing is Difficult in Spain1:12:48 Global Events & Market Impact1:15:28 2026 Trends – Dubai & Middle East Migration1:20:16 Why Dubai Buyers Should Consider Mortgages1:23:44 Capital Efficiency & Tax Benefits1:25:12 How to Get Started – Contact & Tools1:27:08 Finance Consulting Website & Calculator1:28:45 Partner Referral System & Resources1:30:15 Closing Remarks & Next Steps🏡 Thinking of buying property in Spain? 👉 Book a free discovery call with Chris: https://calendly.com/chris-nusunrealty/discovery-call?month=2026-05🌐 Browse luxury homes: https://www.nusunrealty.comSend us Fan MailNuSun RealtyNuSun Network