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    • All guides
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InnovaLiving® – Real Estate & Legal Experts
  • Home
  • About us
    • Our team
    • Work with us
  • Services
    • Buying a home
    • Investing
    • Relocation
    • Legal & tax advice
    • Property management
  • Guides & Taxes
    • All guides
    • Market insights
  • Home
  • About us
    • Our team
    • Work with us
  • Services
    • Buying a home
    • Investing
    • Relocation
    • Legal & tax advice
    • Property management
  • Guides & Taxes
    • All guides
    • Market insights
Let’s talk

Category: Buying in Spain

Buying in Spain with a mortgage as German non-residents: a real case, step by step

Signing a Spanish mortgage offer with a house model and calculator on the desk

How a German couple financed a €500,000 home on the Costa del Sol: the bank’s three offers, the own funds really needed and the clauses that protected their deposit.

InnovaLiving® – Real Estate & Legal Experts
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Calle Altamira 1, Portal 6,

Urb. Altamira, Río Real,

29603 Marbella, Málaga

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Tel: +34 620 190 225

info@innovaliving.es

©2026 InnovaLiving®. All rights reserved. InnovaLiving® is a registered trademark in Spain of Innovaconsult International, S.L.

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Fabiola Baquerizo, founder and lead advisor at InnovaLiving

Fabiola Baquerizo

Languages: Spanish, English, German

Fabiola is the founder of InnovaLiving and your first point of contact.

She personally guides each client from start to finish, resolving challenges, creating strategies, and making sure you feel supported at every step.

With a background in law and tax, and years of experience advising international buyers and expats, she brings clarity, empathy and structure to even the most complex transitions.

​​“Fabiola is like a Swiss Army knife—your lifeline or your self-defense machine.”

Ready to assist you in seven different languages

Fabiola Baquerizo, founder and lead advisor at InnovaLiving

Fabiola Baquerizo

Languages: Spanish, English, German

Fabiola is the founder of InnovaLiving and your first point of contact.

She personally guides each client from start to finish, resolving challenges, creating strategies, and making sure you feel supported at every step.

With a background in law and tax, and years of experience advising international buyers and expats, she brings clarity, empathy and structure to even the most complex transitions.

​​“Fabiola is like a Swiss Army knife—your lifeline or your self-defense machine.”

Ready to assist you in seven different languages

Innovaliving - Francisca

Francisca Trimborn

Languages: Spanish, German, Dutch/Flemish, English, French

Francisca is in charge of coordinating legal documentation, agendas, and client communications across multiple languages and cultures.

With a strong background in international law firms in Germany, Belgium, and Spain, she ensures every detail runs smoothly, combining professionalism, discretion, and exceptional cross-cultural communication.

Elena Streltsova, Buyer's Agent at InnovaLiving

Elena Streltsova

Languages: Spanish, English, Russian

Elena works with international buyers — executives, entrepreneurs and professionals — who navigate the Spanish property market from abroad and require reliable, on-the-ground guidance.

She understands that many decisions begin online and can be influenced by visuals rather than location, context or long-term suitability. Her role is to bring clarity and objectivity, helping clients identify risks and ensure each property truly aligns with their goals.

Innovaliving - Natalia

Natalia Letian

Languages: Spanish, English, German

Natalia handles complex legal processes like real estate due diligence, contract negotiation, and cross-border inheritance cases.

Trained in Spain and Germany, she brings a sharp international perspective and solid local expertise, offering practical, personalized legal support to both residents and non-residents.

Fabiola Baquerizo, founder and lead advisor at InnovaLiving

Fabiola Baquerizo

Languages: Spanish, English, German

Fabiola is the founder of InnovaLiving and your first point of contact.

She personally guides each client from start to finish, resolving challenges, creating strategies, and making sure you feel supported at every step.

With a background in law and tax, and years of experience advising international buyers and expats, she brings clarity, empathy and structure to even the most complex transitions.

​​“Fabiola is like a Swiss Army knife—your lifeline or your self-defense machine.”

Ready to assist you in seven different languages

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