What We Handle
How can we help with your Costa del Sol property finances?
Mortgage Coordination
We connect you with Spain’s top independent mortgage brokers who have access to over 30 banks. You’ll receive a free, non-binding assessment to find the best mortgage for your situation, with a 98% approval rate ensuring faster approvals and better rates.
Tax Declarations & Compliance
Spanish tax requirements vary based on residency status, ownership structure, and how you use your property. We handle all required declarations and filings, ensuring you remain compliant while optimizing your tax position.
Company Financial Management
If you own property through a Spanish company, we provide comprehensive bookkeeping, annual tax returns, and financial management—keeping your company compliant with all Spanish regulations.
Currency & Financial Strategy
We help you navigate currency exchange, financial planning, and investment strategies tailored to international property owners on the Costa del Sol.
Finance Department
Meet Belén, the financial mind behind every smooth transaction at House of Mojo.
As our Chief Financial Officer, Belén brings international experience from PwC and Accenture to one of the most financially complex property markets in Europe. Her team handles everything from mortgage documentation and bank account setup to Modelo 110, 210, and 211 declarations — so that the financial side of owning property in Spain never becomes the part that keeps you up at night.
Whether you are buying for the first time, structuring an investment through a company, or managing ongoing tax obligations as a non-resident owner, Belén and her team are the people making sure every number is right before it matters.
Our Services
Mortgage Assessment & Coordination
We arrange free mortgage assessments through Spain's leading independent brokers. With access to over 30 banks and industry-leading approval rates, you'll get competitive rates and efficient processing.
Tax Planning for Your Purchase
Before you buy, we calculate your exact costs including transfer taxes, ongoing obligations, and potential tax benefits based on your situation—so you know what to expect.
Annual Tax Declarations (Modelo 210)
If you own property in Spain as a non-resident, annual tax declarations are required whether or not you rent your property. We manage the entire process—from calculations and form submission to payment setup.
Rental Income Tax Management
If you rent your Costa del Sol property, we handle your rental income declarations, ensuring compliance with Spanish tax law while maximizing allowable deductions.
Complete Bookkeeping Services
Our comprehensive bookkeeping package ensures your Spanish company remains compliant with all financial regulations.
Services include:
- ERP bookkeeping software for organized financial records
- Monthly bookkeeping (up to 10 invoices/receipts per month)
- Annual tax return preparation and submission (Modelo 200)
- Transaction declarations (Modelo 347) when required
Ongoing compliance monitoring
Power of Attorney & Digital Signatures
We assist with obtaining necessary powers of attorney and digital signatures, allowing us to handle your property tax processes and filings with Spanish tax authorities on your behalf.
External Audits
For added financial oversight, we coordinate year-end external audits, providing an extra layer of quality assurance for your company's finances.
Specialized Tax Declarations
Depending on your company structure and transactions, various tax declarations may be required throughout the year. We handle all specialized filings based on your specific situation.
Custom Financial Support
For financial needs beyond standard services, our team provides tailored support at competitive hourly rates, ensuring all your requirements are met professionally.
Who We Serve
Who benefits from our finance services?
If you’re purchasing Costa del Sol property and need mortgage coordination, tax guidance, or financial planning for your purchase, we provide clarity throughout the process.
Private Property Owners
Whether your property is for personal use or rental income, we handle all required Spanish tax declarations and compliance, allowing you to focus on enjoying your Costa del Sol property.
Company Property Owners
If you own Costa del Sol property through a Spanish company, we provide complete financial management—from bookkeeping and tax returns to compliance monitoring and reporting.
Developers
For those investing in multiple properties or development projects, we offer strategic financial guidance, tax optimization, and comprehensive accounting services.
Why Mojo Finance
What makes our finance services different?
Part of Your Complete Property Journey
As part of the House of Mojo, our finance team works seamlessly with our legal, property management, and real estate teams. Everything is coordinated under one roof, eliminating the confusion of working with multiple external providers.
International & Local Expertise
Our multilingual team understands both international financial perspectives and Spanish regulatory requirements. We bridge the gap, making complex Spanish tax law accessible and manageable.
Proactive Compliance
We don't just file declarations—we monitor your obligations throughout the year, ensuring you never miss deadlines or face unnecessary penalties.
Transparent Pricing
You know exactly what services cost before engaging. No hidden fees, no surprises—just straightforward professional service.
How do you begin working with us?
Let’s discuss your property situation, financial requirements, and how we can support you. We’ll explain which services apply to your circumstances and answer any questions.