Get a Spanish mortgage without the stress
We help international buyers finance property in Spain. We compare the banks, handle the paperwork, and explain every step in plain English — free, and with no obligation.
WhatsApp usIf your budget is
€630,000
You could borrow≈
€441,000
From≈
€2,114/mo
Non-resident estimate · 70% · 25 years. Full calculator→
How it works
Tell us your situation
One short form, or a WhatsApp message. No documents needed yet.
~5 minutesGet your honest assessment
We tell you what you can borrow, what it will cost, and which banks fit — within one working day.
Free, no obligationWe handle the rest
Applications, paperwork, valuation, translations and the notary. You just review and sign.
Typically 4–8 weeksFree 30-second check
Can you get a Spanish mortgage? Find out today.
Three quick taps, your contact details, and an advisor replies within one working day. Prefer the detailed version? Take the full 3-minute assessment →
Can I get a mortgage in Spain?
Yes — non-residents can get Spanish mortgages. Most banks lend non-residents 60–70% of the property value, and up to 80% for residents, over terms of up to 25–30 years. You'll need proof of income, a NIE number, and roughly 40–45% of the price in total savings to cover your deposit and buying costs.
Non-resident buyers
You live abroad and you're buying a home or holiday home in Spain. Banks typically lend you 60–70% of the property value.
Non-resident mortgages→Residents & relocators
You live in Spain, or you're moving here. You can usually borrow up to 80% — and sometimes get better rates too.
Resident mortgages→Investors & self-employed
Rental property, company income, or a situation that doesn't fit the boxes. We speak fluent bank.
Investment & self-employed→Spain, right now — July 2026
Fresh numbers, checked monthly, explained without hype.
Property market 2026
Prices rose 12.7% in 2025; forecasters see 8–10% more this year on a genuine supply shortage. What it means for your timing.
Read the updateEuribor & rates
The 12-month Euribor sits near 2.7%. The fixed / mixed / variable maths, with a worked €200,000 example.
Read the updateForeign buyers 2026
A record ~97,500 international purchases in 2025 — nearly half of all Alicante sales. The rules that changed, and the ones that didn't.
Read the updateWhy buyers choose us
We're on your side
We're independent brokers. We compare the market and negotiate with the banks for you — nobody pays us to push their product.
Plain English, always
NIE, Euribor, ITP, tasación — Spanish property comes with a lot of vocabulary. We translate all of it into words you actually use.
Local, and really here
Our office is in Altea on the Costa Blanca. Come in for a coffee — or do everything remotely. Most of our clients never need to visit.
Honest answers, fast
If a mortgage isn't realistic for you right now, we'll tell you on day one — and tell you what would change the answer.
Buyers who were exactly where you are
Questions everyone asks
Non-residents usually need at least 30% of the price as a deposit, plus 10–14% for taxes and fees — so around 40–45% of the purchase price in total savings. Residents can often buy with 20% down.
Yes. Spanish banks routinely lend to non-residents — typically 60–70% of the property value over terms of up to 25 years, as long as your income comfortably covers the payments.
Typically 4–8 weeks from full application to completion. Approval usually takes 2–3 weeks, followed by the valuation, a legally required 10-day reflection period, and the notary appointment.
A NIE is your Spanish foreigner identification number. You need one to buy property, open a bank account and get a mortgage. It's straightforward to obtain — we'll show you how.
There's no fixed application age limit, but most banks want the loan repaid by age 70–75. A 60-year-old can usually still borrow — just over a shorter term.
Budget 10–14% of the purchase price on top for taxes and fees: purchase tax (6–10% depending on region), plus notary, registry, valuation and legal costs.
Find out what you can borrow free, in 24 hours
Two minutes of questions. No documents. No credit check at this stage. Just an honest answer from people who arrange Spanish mortgages every day.