Welcome to CHMS.  Thank you for visiting our web page!

We are a team of independent mortgage brokers working in Spain based in the South West of Mallorca in the beautiful town of Illetes.  We work Island wide and operate with close proximity to Palma, Portals, Bendinat and the South West area of Calvia.  Working closely with all Spanish banks, we are also able to accept applications from anywhere in Spain.

Our service promise is simple, we aim to assist in making the mortgage process clear maintaining regular contact with our clients throughout the process.  We give honest answers and avoid wasting anyone´s time.

Why use a Mortgage Broker? 

We work with all Spanish Banks so we can tailor make a financial solution to suit your needs.  We listen to your requirements and then use our experience and knowledge to find the right product (s) for you.

Speaking your language

We speak English, Swedish and Spanish so you can be sure you will get clear and concise answers removing the language barrier so you can be sure to understand exact terms and conditions of any financial solution recommended,.

Our partners

With over 10 years working in Spain, we have had the opportunity to work with many different lawyers, real estate and property managers and this experience has meant we have worked with some of the best and some of the worst thus, we can recommend a panel of tried and tested people with whom we are sure you will be guaranteed to get the best service.  Our legal partners whilst being bilingual will speak your language with mother tongue again giving confidence that you will be fully understood.


Having worked within the Banking sector for many years in Spain and the UK, we understand how Spanish banks work.  Clayton, who has studied accountancy and worked within a mortgage underwriting role is able to use all of his skills to present often very complicated financial scenarios to banks in a way that they will be understood. This is very important as we have had clients who have been previously declined by Spanish banks not because they have an inability to pay but as the banks don’t have the knowledge to understand such scenarios.  It´s our job to make them clear.

What to do next?

Get in touch.  We can very quickly evaluate your financial circumstances and let you know what we may need to begin the process.  We will give you honest answers on whether you can get the finance that you require.