How it works
Eight clear steps, one platform, two markets. The platform is free for buyers. You pay nothing to Zaminor - ever.
Every step is digital, optional and low-friction. You can pause or continue whenever you want.
Create a free account with email and a one-time code. No payment details, no commitment. You keep control of your data and can delete it at any time.
Explore listings in Spain and Dubai, read the market guides, compare both markets, check area fit. No KYC required to look around.
Use the mortgage calculator to see what is feasible for you as a Dutch resident. Outputs are based on public LTV, DTI and fee rules per market (as of Q1 2026, sources: AFM, Banco de España, Central Bank of the UAE) - fully transparent.
Bank-level KYC: ID document, liveness check, address proof, source of funds and PEP declaration. Required by Dutch Wwft for every real estate transaction. Biometric data is deleted immediately after the verification check completes.
Connect your bank via PSD2 open banking, or upload payslips and statements manually. Your profile is encrypted and never shared without your explicit consent.
Found a property you like? Express interest. Our matching algorithm connects you to vetted brokers based on region, reviews and verification tier. You can also pick a broker yourself.
A secure digital dossier for chat, appointments, viewings and document exchange with your broker. Every action is logged and auditable.
We connect you to AFM-registered mortgage advisors for regulated advice. Zaminor itself does not provide mortgage, financial or investment advice.
You pay nothing to Zaminor. No account fees, no platform fees, no success fees from you as a buyer.
Every broker is checked through our Zaminor Verified trust-tier process: region expertise, reviews, identity and compliance. You see the tier before you connect.
KYC with five-year CDD retention, encrypted personal data, biometric data deleted immediately after the verification check completes. Registered in the Netherlands.
Every tax rate, LTV limit, fee percentage and visa threshold is dated and traceable to public sources (AFM, land registry, RERA, DLD, CBS). We do not speculate.
See what a Dutch-resident mortgage costs per market, with realistic LTV and rate assumptions.
Calculate your mortgageCosts, taxes, financing, returns, and risks side by side for Dutch buyers.
Compare Spain and DubaiFilter by market, region, price, and bedrooms across Spain and Dubai.
Browse listingsWhat Zaminor is, and is not
Zaminor is an information and mediation platform registered in the Netherlands. Zaminor does not provide financial advice, investment advice or mortgage advice. Regulated advice is delivered by AFM-registered mortgage advisors, Spanish and Dutch notaries and lawyers, and Dubai brokers licensed by RERA. All published content is factual and for informational purposes only.