• Call our team:
    +34 963 156 011

  • Covering all
    Spain and Portugal
    Covering all
    Spain & Portugal

  • Office hours:
    Mon - Sat: 9am - 6pm: 9am-6pm

About us

Professional advice rooted in personal experience

The mortgage direct story

In 2006 we, Katherine and Kevin, founded Mortgage Direct after having experienced the complexity of the Spanish mortgage and real estate market. With a combined 50 years of experience in the financial industry, we identified the need to provide international property buyers with transparent and quality mortgage advice. Today we can proudly say that not only have we achieved that, we can also offer exclusive mortgage conditions not available at any branches due to the strong relationships we have established over the years with the banks.

  • Founding story
  • Business model
  • Company culture

In 2006 Katherine and Kevin founded Mortgage Direct SL after having experienced the complexity of the Spanish mortgage and real estate market. Since then, we have been adapting our model to meet the needs of international property buyers and provide personalised mortgage advice.

Today Mortgage Direct and our team of internationally qualified mortgage advisers are devoted to achieving exclusive mortgage conditions and easing the mortgage process for international property buyers ensuring profitable and safe investments. We highly value your questions and feedback.

Since we established Mortgage Direct in 2006, we have learned a lot about doing business in Spain and adapted our business model accordingly. Our core focus has always been to provide easily-accessible, transparent and quality mortgage advice to international property buyers. Over the years we have developed very strong relationships with the banks, which means that we can now also offer exclusive mortgage conditions not available at any bank branches.

We work as the bridge between internationally property buyers, the mortgage lenders and often also estate agents, as they often speak very different languages and may have very different interests. As the independent party, we guide the property buyer in advance of the property purchase and the mortgage application to save both time and money for all parties. We closely assess the borrower's profile at the start of the process to avoid barriers later on.

We offer initial mortgage advice and up to two no-obligation mortgage quotes to property buyers without any charges, as we believe every buyer should have free access to quality advice. When the property buyers proceed to formal approval, we charge an administration fee which comes with a money-back guarantee in case the mortgage quoted cannot be achieved. This demonstrates to both the banks and the property buyer that we only submit cases we are certain can be completed. We receive an income from bank commissions once a mortgage is completed; this allows us to keep the fees to property buyers to a minimum.

We have fostered a company culture that values the ability to adapt, freedom of choice and strong relationships with space for diverse personalities and forward-thinking staff members.

The ability to adapt is the key to success in the Spanish mortgage market, as conditions can change from one day to the next. This is also the case for our company; we are an international team with headquarters in Spain but often on the road with a need to communicate with both clients, collaborators and each other in different time zones and languages.

We strongly believe in freedom of choice for every individual and every property buyer. We consider all our bank contacts and approach several lenders every time a mortgage quote is requested. Likewise, every member of our team chooses their working hours, their working location and their schedule.

Fostering strong relationships is crucial as a mortgage broker and in the modern society. We are in daily contact with property buyers, estate agents, lawyers and lenders. While we are fully independent, we acknowledge that every participant has their unique needs, each of which we listen to and strive to fulfil. We also practice strong relationships within the team and meet up regularly. . We trust each other in spite of geographical and cultural differences.

Mortgage Experts at your disposal

Any questions? Call +34 963156011
Experienced and Internationally qualified

Our team with diverse expertise

We are a diverse international team of professionals and advisers with international qualifications, based in Spain to be able to deal directly with the banks. We speak a wide range of languages including Spanish, Portuguese, German, Dutch, English, Polish and Danish. Our team is here to assist you with any questions you may have about mortgages in Spain or our services.

Katherine Walkerdine

Founding Partner / Business Developer

Living in Spain since founding Mortgage Direct in 2006. Prior to that, she had her own practice in London for 15 years advising high-net-worth clients on their investment and taxation planning. An array of UK and Spanish qualifications.

Kevin Monger

Founding Partner / Mortgage Adviser

Co-founder and a leading expert on Spanish mortgages, holding the credit intermediaries in Spain qualification. Kevin meets regularly with bank commercial directors and previously spent 11 years working for the world's leading actuarial firms.

Jacqueline Moulen

Mortgage Adviser

Holds a Masters/MBA degree in International Business Administration and has a thorough background in finance and business. Using her skills to grow Mortgage Direct's Collaboration department. Fluent in several languages including Portuguese and German.

Bozena Brunowska

Mortgage Adviser

Living in Spain for the last 3 years. Previously working in the UK for 20 years, always in finance having worked in banking and accountancy. Bozena is a fully qualified Financial Adviser (CeFa and CeMap), AAT Accountant

Melanie Birch

Affiliate support

Melanie holds a degree in Economics and Accounting from the University and has worked in London for a variety of insurance companies and consultancies. Moving to Spain in 2005 she has become fluent in Spanish.

Simon Staples

Mortgage Adviser

Working in the financial services industry for over 20 years. First as a mortgage adviser at Halifax Bank for 12 years in London and then as a regulated financial adviser for 3 years at the Lloyds banking group.

Howard Steel

Mortgage Adviser

Holds degrees in Modern Languages and Business and both the UK and Spanish regulatory qualifications for mortgage advice. Spent most of his career at a large Spanish bank, looking after HNW / UHNW (Ultra High Net Worth) and Commercial mortgages.

Jonas Kaspersen

Business Development adviser

Jonas has been involved in the optimisation of Mortgage Direct's value chain since 2013. He holds a degree in "Intercultural Marketing and Communication", focusing on Hispanic markets. He brings an innovation to our business.

Jerremy Klingers

Mortgage Adviser

Currently residing in the Algarve in Portugal, having spent most of his time in the Netherlands, working for various large organisations. Working to expand our position in Portugal. Fluent in Dutch, Portuguese and English.

Stuart Payne

Business Development adviser

Barecelona based, Stuart previously workled as a mortgage adviser at one of the UK's largest brokers where he recommended products and insurance from the whole of the UK market. Holds the regulatory CeMAP qualification and more.

Martine Newman

Mortgage Adviser

Martine has worked in financial services for over 20 years for finance houses such as Lloyds, Merrill Lynch and Deutsche bank. She took a break to work as an Executive Assistant to the VP of a helicopter air ambulance service in Canada for 5 years!


Mortgages arranged


Languages spoken


Years in business


Success percentage

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Some coverage we've recieved

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