Grocasa Inmobiliaria Torre del Mar

Grocasa Torre del Mar is the local office of a national chain, on Avenida de Andalucía, and it pairs sales and lettings with financing. Its rating is a 4.9 over 61 reviews, among the highest of the agencies here, on a base that is still small enough to move.

Financing through the agency is a convenience and also a thing to look at twice. It saves you walking into four banks, and it means the office arranging your loan also earns from the sale.

How the valuation decides your mortgage

A Spanish bank lends against the tasación, an independent valuation of the property, not against the price you agreed. If the valuation comes in below the price, the shortfall is yours to cover in cash. This is the single most common unpleasant surprise for a foreign buyer here, and the way to avoid it is to ask for the valuation early and to treat any figure quoted before it as provisional.