Are you experiencing problems with your property in Spain?

Like an update on how property owners are winning their fight against malpractice in the market?

Whatever Your Concern, We’re Here To Help. 

We’re Here To Help!

Contact Us Today For a Free No Obligations Chat

As recommended by the British and Irish Embassies

We are Costa Luz Lawyers.

Costa Luz Lawyers have been helping foreigners solve their property problems and regain their peace of mind since 2007.

We are pioneers in Spain in fighting for our clients’ rights against banks, mortgage lenders and developers. We were the first to take banks to court in Spain and win.

Thanks to us, Spanish banks are now accountable.

Negative equity

If you’re in negative equity with your property in Spain (i.e. your mortgage debt is higher than the current market value of your property), you’re probably worried and unsure about what to do next.

Costa Luz Lawyers can negotiate a satisfactory deal with your mortgage lender and put an end to your anxiety and stress.

Contact us to find out how we can help you now.

Mortgage claims in the UK

Have you discovered that a Spanish mortgage lender has put a charge against an asset owned by you in the UK?

Contact us immediately so that we can help you remove this charge forever.

Thanks to our extensive experience in dealing with mortgage claims in the UK, we have helped dozens of clients remove charges on their assets.

Illegal properties in Spain

 Were you caught up in malpractice by developers and banks and as a result, now own an illegal property in Spain?

Then you may be entitled to a full or partial refund on your down payments and/or mortgage payments to date.

Contact us for more information now.

Lost deposits on off-plan property

If you were one of the thousands of buyers who paid a deposit for an off-plan property that was never built, help is at hand.

Contact us to find out how you can benefit from the 2012 landmark legal ruling for the case we first filed in 2011. 

You may well be eligible for a full refund plus interest and in some cases, compensation for legal costs.

Note that the clock is ticking on this one – if you paid money to a developer after October 2005, you only have until October 2020 to make a claim. Contact us now for free advice.

Help is at hand

The Law on Your Side

Recent European and Spanish laws have all strengthened your rights.

Courts are now, more than ever, ruling in your favour.


We were the first legal practice in Spain to take banks to court and win.

We take pride in fighting every case we receive. And our results speak for themselves.

Embassy recommended

If you are, then we can help in negotiating a settlement with your bank. We have been providing this service since 2010 with many positive results for our clients.

We are one of only a handful of lawyers in Spain recommended by the British and Irish embassies in Spain.

As Seen On …

Frequently Asked Questions On Spanish Mortgage Debt

When can I hire this service?

Get in touch with our team as soon as you find yourself having difficulty meeting mortgage repayments and are considering selling or handing back the keys to your Spanish property.

I already have a Law Firm/Debt Collector Firm pursuing me in the UK. Can you still help?

Yes, we can help. Even if you have been placed under the threat of having your assets in the UK embargoed. On many occasions, we have found that the process followed by bank representatives has not been entirely legal.

Will I be left debt free in Spain?

Yes, that is the best thing about the service: you will be able to come back to Spain and start a new life with different levels of debts.

Can you help me if I stopped making my payments many years ago?

Yes, we can. We can also ensure that you leave Spain without any mortgage-related debts. So when you’re ready… you can come back to Spain and start afresh.

Will this cost me lots of money?

No, it will not. Our service is priced reasonably and is quickly liquidated, as of course hiring us means you stop having to make mortgage repayments. The final fee corresponds to less than what you would pay to the bank during the subsequent 8-10 months of repayments.

See what they’re saying

Our happy customers have a lot to say about our services!

Oh my goodness! Unbelievable!

Once again Maria and her team have showed me how remarkable they are.

Not only did they get me my deposit back in full, they have recently also got me back my fees plus interest.

I first saw Maria on the Eye Of Spain website and was very impressed that she gave up her time to give an abundance of free advice. Not too many solicitors are willing to do that!!! She looked at my case and offered No Win No Fee. I instantly thought…. What have I got to loose. Absolutely amazing.

Maria, I cannot thank you enough!

Brenda Wilkinson

October 2019

A big thank you!

A big thank you to you and your dedicated team at Costaluz Lawyers for getting my money back + Interest from my case against Banco Popular for an Aifos development in 2004.

The service and advice from you and your team has been excellent throughout the case and I sincerely recommend you and your firm to anybody out there who finds themselves in a similar situation or need any legal advice.

David Shorthouse

September 2019

This year we were delighted to get back over €55,000.

Maria, Keith & the team helped us through this extremely difficult and stressful time. We invested €63,000 and without them, we would not have received any of our money back. after a long hard fight with court cases and appeals, they eventually succeeded.

This year we were delighted to get back over €55,000. I would have no hesitation recommending Costaluz to anyone in the same situation. best of luck to them and anyone trying to get their deposits back?


July 2019

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