About JS Finance Solutions: Your Spanish Mortgage Expert

Expert non-resident mortgage advice for your Spanish property journey

Founded by mortgage specialist Jovana Schäfer, JS Finance Solutions helps UK, US, and EU buyers secure competitive mortgages for Spanish properties.

Jovana Schäfer, founder of JS Finance Solutions, Spanish mortgage broker based in Mallorca
Jovana Schäfer with her dogs, horse and goat at her home in Mallorca
Jovana Schäfer consulting with a client by phone about Spanish mortgage options
Jovana Schäfer embracing a donkey in the Mallorcan countryside

Jovana Schäfer

Living on the island for 30 years already, I'm now lucky enough to call a small farm surrounded by nature and animals my home: a dream come true.

I feel fortunate to live in Mallorca, this beautiful island that offers everything one can ask for, and I love immersing myself in its traditions, customs and language. I may look German, but I'm a true Mallorcan at heart.

My involvement in the equestrian and canine world began when I was very young, turning my passion for animals into my way of life.

For 12 years, I worked in the Spanish banking sector as a sales manager specialized in non-residents. Five years ago I decided that the increasingly common automation and impersonal service were no longer for me, and I took the plunge to dedicate myself fully to the field I've always loved and excelled at: mortgages.

I speak fluently German, English, Spanish and mallorquin.

I am accredited by AIF (Asociación Profesional Colegial de Asesores de Inversión, Financiación y Peritos Judiciales), ensuring every client receives both technically sound and clearly explained guidance at every step of the process.

WHAT CAN YOU EXPECT

My commitment to you

When you work with me, you're choosing transparent, expert guidance throughout your Spanish mortgage journey. Here's what I guarantee as your advisor.

No Hidden Fees

All costs are explained upfront: bank fees, valuation, Notary, gestor, and our advisory fee. Use our mortgage calculator to see the complete cost breakdown before you commit. No surprises on completion day.

Independent Advice

I'm not tied to any single bank. I compare offers from multiple Spanish lenders to find the best rate and terms for your specific situation. Your interests come first, not commission structures.

Jovana Schäfer explaining Spanish mortgage options to a client during consultation

Direct Communication

You work directly with me throughout. I respond within 24 hours (often same-day) and provide my direct mobile number. You'll always know where your application stands.

Honest Guidance

If a mortgage isn't realistic for your situation, I'll tell you upfront rather than waste your time. Realistic timelines, no false promises.

TESTIMONIALS

What my clients say

Real experiences from international property buyers

AT THE HEART OF JS FINANCE SOLUTIONS

Meet Our Team

Jovana Schäfer, founder and mortgage broker at JS Finance Solutions
Jovana Schäfer
Founder CEO & Lead Advisor
Kinto, the office dog at JS Finance Solutions in Mallorca
Kinto
Chief Mental Health Officer & Treat Quality Supervisor

We're hiring!

If you love clarity, empathy, and high standards, you’ll fit right in.

Our small contribution to a greater good

Beyond mortgages, we believe in giving back to causes we care about.

Rescued horses at Rancho Fino Mallorca Rescue, supported by JS Finance Solutions
Rancho Fino Mallorca Rescue

A refuge providing care and rehabilitation for rescued animals. We're proud to contribute to their mission of animal welfare and second chances.

Follow their work on Instagram
Rancho Fino Mallorca Rescue Logo
CF Vilafranca Logo
C.F. Vilafranca de Bonany

As sponsors of C.F. Vilafranca de Bonany, we support grassroots sports and community engagement, helping young players develop both on and off the field.

Follow their journey on Instagram

Free Mortgage Assessment

Schedule a free consultation and discover how we can help you secure the best Spanish mortgage.

No obligations.  Response in 24h