Mortgage Direct S.L. Reviews 

Simon helped me through a mortgage process that was months long, extraordinarily difficult and involved a lot of different documents from different parties.

He was there every step of the way and provided excellent service and was extremely professional - thanks so much Simon!!

My experience was great and it's all thanks to Julia. She was absolutely marvelous throughout the process. I could not have hoped to have a better support. She was always on top of the situation and made everything seem easy for me even though the banks didn't. However she always took full control of the situation and never once did I have to do anything extra. She always went the extra mile. She was kind and helpful making things clear all the time.

I had an excellent experience working with Chris on financing my property purchase in Spain.

Chris is exceptionally knowledgeable about Spanish mortgage regulations and, more importantly, understands how they apply to U.S.-based buyers navigating a different financial and lending system.

What truly sets him apart is his responsiveness, clear communication, and genuine commitment to his clients' success. He consistently provided timely updates, explained complex requirements in practical terms, and went the extra mile to accommodate my unique circumstances and priorities.

Throughout the process, I felt well-informed, supported, and confident in my decisions.

I highly recommend Chris to anyone seeking mortgage financing in Spain, especially international buyers who value expertise, transparency, and personalized service.

Highly recommended!!
Our recent experience with Veronica Vaccarezza Cruz from Mortgage Direct in Tenerife was fantastic!
Veronica handled everything exceptionally well and followed our case very closely from start to finish. She was always available and responded immediately and very effectively to all our questions. She also took a proactive approach and consistently thought along with us.
She took al lot of stress and hassle off our shoulders.
We would not hesitate to work with Veronica again and would highly recommend her to anyone looking for professional, dedicated and reliable mortgage assistance. Dieter and Annick

We couldn’t recommend Mortgage Direct highly enough, especially Susanne, who handled our case. Our mortgage situation was faaar from straightforward, and we honestly don’t think buying our home in Spain would have been possible without her.

With several business ventures across different countries, our case was particularly complex. Susanne’s patience, dedication and support made an enormous difference throughout a long and complicated process. It made all the difference really.. We always felt she was on our side, working hard to find a way forward and make everything happen.

Thank you, Susanne, for helping us buy our home. We’re incredibly grateful. We really couldn’t have done it without you!

Excellent service! Professional, responsive and very helpful throughout the entire mortgage process. Highly recommended!

I had an extremely disappointing experience with Mortgage Direct while seeking mortgage financing for a property purchase in Spain.

The service was handled by Luca Polak, Senior Mortgage Adviser.

From the very beginning, complete and accurate information about the financial circumstances was provided. Unfortunately, despite having access to the necessary documentation, the adviser repeatedly demonstrated what appeared to be a lack of attention to the information submitted.

The entire process was inefficient, poorly managed and unnecessarily expensive.

One of the most frustrating aspects was spending several thousand euros on document translations that ultimately proved completely unnecessary.

These substantial costs were incurred during the application process and could have been avoided with proper assessment and competent professional guidance.

There were also serious concerns regarding transparency and communication with the banks.

Direct communication with the bank was not permitted unless the final brokerage fee was paid in advance. This payment was requested despite the fact that no mortgage had been secured, even though the fee was understood to be payable only upon successful financing.

After approximately 10 months, Mortgage Direct had still failed to arrange a mortgage.

An initial payment of €695 had been made, with the understanding that it would be refunded if financing could not be obtained.

However, despite requests for the refund, the money has not been returned.

To make matters worse, Mortgage Direct subsequently attempted to justify its position publicly by suggesting that the financial circumstances differed from those originally disclosed.

This claim is incorrect. The financial situation was accurately and fully explained from the very beginning.

Rather than acknowledging the shortcomings in the service provided, the company has chosen to shift responsibility onto the customer.

The result was an extremely frustrating experience involving poor communication, inadequate handling of documentation, thousands of euros in unnecessary expenses, and an unresolved dispute over the €695 upfront fee.

Based on this experience, I cannot recommend Mortgage Direct. Anyone considering their services should carefully examine the payment terms, refund conditions and potential additional costs before proceeding.

⭐ 1/5

My experience with Mortgage Direct has been extremely disappointing and financially costly. I strongly advise anyone considering their services to think carefully before paying any upfront fees.

We engaged Mortgage Direct to arrange mortgage financing for a property purchase in Spain. Our case was handled by Luca Polak, Senior Mortgage Adviser.

From the very beginning, I provided complete and accurate information about my financial circumstances. Despite this, the application was handled inefficiently, and I repeatedly had the impression that our adviser was not properly reviewing the documents I submitted.

As a result of the way our case was handled, I spent several thousand euros on document translations that ultimately proved completely unnecessary. These were substantial, avoidable expenses that proper guidance could have prevented.

Another particularly concerning issue was the lack of transparency. I was not allowed to communicate directly with the bank. Instead, I was told that direct communication would only be possible after paying the final brokerage fee.

This payment was requested before any mortgage had been secured, despite our understanding that the final fee was only payable upon successful financing.

After approximately 10 months, Mortgage Direct had failed to arrange financing for us.

We had paid an initial fee of €695, which was presented as refundable if the mortgage could not be obtained. When I contacted Luca Polak to request the refund, my messages went unanswered.

Mortgage Direct subsequently responded publicly to my Google review, attempting to justify their failure by suggesting that my financial circumstances differed from the information initially provided.

This is simply not true. My financial situation was fully disclosed from the beginning, and no relevant information was withheld or misrepresented.

Instead of acknowledging the problems with their service, the company has chosen to dispute my account of events while retaining our €695.

The overall experience involved poor communication, inadequate handling of documentation, thousands of euros in unnecessary expenses, an attempt to collect the final brokerage fee before securing financing, and an unresolved refund request.

I cannot recommend Mortgage Direct. I am still requesting the return of our €695 and a proper explanation of their refusal to refund it.

We had an excellent experience dealing with Simon Staples at Mortgage Direct during the purchase of our property in Spain. Simon was extremely professional, knowledgeable and helpful throughout the entire mortgage process. He kept us well informed at every stage, was always available to answer any questions we had, and made what could have been a complicated process very straightforward.
We were delighted with the service Simon provided and with the successful outcome he secured for us through UCI. We would have no hesitation whatsoever in recommending Simon and Mortgage Direct to anyone looking to purchase a property in Spain.
Wayne & Caroline McMahon

Simon was incredibly helpful as our mortgage broker for a recent property purchase. From start to finish he was able to guide us through the process, taking time to explain each step of the way. He was proactive in his approach and always super responsive. He really went above and beyond for us, providing independent advice and guidance, we would highly recommend.

Working with Mortgage Direct S.L. on securing financing for my second holiday home in Spain was an absolute game-changer. Simply put, if it weren't for the incredible support from this company and specifically Simon, I would have never been able to make this purchase happen.

Simon guided me seamlessly through what turned out to be a very complex property purchase and mortgage process. His help was truly invaluable. He consistently went above and beyond—far exceeding anything I could have ever expected from a broker.

He was incredibly responsive at every stage. Whenever things stalled or took longer than they should have, Simon immediately stepped in, pushed the right buttons, and got everything back on track.

I give Simon and Mortgage Direct a full 10 out of 10. Outstanding cooperation from start to finish. I wish everyone going through a home purchase in Spain could have the level of support I was lucky enough to receive from Simon!

We had a great experience with Tim. Even during the initial exploratory phase, he was very involved and attentive. He guided us through the process in a friendly and personal manner. He was easy to reach and always responded quickly. We would definitely recommend him and the company MD as a reliable partner to guide you towards finding the right mortgage in Spain.
Thank you, Tim!
Gerben & Christel

We worked with Chris from Mortgage Direct and could not have had a better experience. It was our first time purchasing a property outside the US and we had heard that it was a difficult process. It took time and patience but Chris was there every step of the way to explain the entire process. In the end we are enjoying our new home in Spain and it wouldn't have been possible without Chris. I would not hesitate at all to recommend his services to anybody looking for a mortgage. He is very honest and trustworthy you won't be disappointed.

Simon from Morgage Direct was very friendly and helpful throughout the purchase of our house in Spain. A great communicator and explained everything step by step. Simon was a great broker and very professional.
I would definitely recommend Simon to anyone thinking about buying a property in Spain.

We had a great experience with Mortgage Direct. Our mortgage process was quite complicated, but everything was handled professionally from beginning to end.
Tim Rigtering guided us through the entire process, was always available when we had questions and kept us informed about every important step. Maaike van Ruitenbeek was also overseeing the process and making sure everything was moving in the right direction.
Despite the complexity of our case, everything was handled professionally and we successfully completed our mortgage and the purchase of our apartment in Mallorca.
A big thank you to Tim and Maaike for their patience, support and professional work throughout the whole process. We can definitely recommend Mortgage Direct.
Thank you,
Peter & Nikoleta

Vera is so professional and always ready to reply and friendly.
And moreover she provided me great deal.
I appreciate her professionalism.
Than you so much Vera!

Mortgage direct and Vera made the Spanish mortgage process very simple and straightforward. They handled everything from start to finish and got us a great rate.
I would highly recommend them for your Spanish mortgage.

We had a fantastic experience working with **Christopher Kakoz, Mortgage Consultant**, and we can wholeheartedly recommend him.

From the very beginning, Christopher was incredibly helpful, patient and approachable. As we are from the Netherlands, there were moments when I did not fully understand the English terminology or the process. Christopher never made this an issue. He took the time to explain everything clearly, calmly and step by step, until I fully understood what was happening.

He was always extremely easy to reach by **phone, email and WhatsApp**, and was consistently willing to think along with us. Whenever we encountered a problem, Christopher was solution-oriented and focused on finding a practical way forward rather than simply telling us what could not be done.

What we appreciated most was his professionalism combined with his personal approach. He was always polite, friendly, patient and able to put things into perspective when I became stressed or overwhelmed. He also took the time to calculate scenarios for us in advance, so we always knew what to expect financially and could make our decisions based on clear and reliable information.

And I have to admit, I am a pretty strong-minded and sometimes quite fiery woman! 😄 Christopher somehow always managed to calm me down, explain everything in detail and make sure I understood all the options before moving forward.

His communication, patience, knowledge and genuine willingness to help made the entire process so much easier and less stressful for us.

**Thank you, Christopher, for your dedication, patience and outstanding support. We truly appreciate everything you have done for us and would highly recommend you to anyone looking for a knowledgeable, reliable and genuinely caring mortgage consultant.** ⭐⭐⭐⭐⭐

Buying a property for the first time in Spain can be daunting, luckily for us we engaged Simon as our mortgage advisor who was fantastic at explaining the process in a very simple way. He was there to advise and also to answer many questions and to guide us through each step. To put it simply if Simon was not advising us we would have pulled out of the process. I would not hesitate in recommending Simon and Mortgage Direct for a fully professional and simple process.

From the initial contact with Susanne and the Mortgage Direct team we received nothing but clear impartial advice and ultimately in a very quick timeline 2 mortgage offers. The final offer we accepted was incredibly competitive and would not have been possible without her guidance. Ultimately we completed on the purchase of our property again with the confidence of Susanne’s guidance throughout the process. I would recommend Susanne and Mortgage Direct to anyone looking for impartial professional and ultimately world class service. Thankyou for your help. M&Z