Spanish mortgages when you're self-employed

Self-employed buyers can absolutely get Spanish mortgages. Banks typically want 2–3 years of accounts and tax returns, average your income across the years, and apply the same ~30–35% affordability rule as for employees.

The truth about “banks hate the self-employed”

They don't — they hate uncertainty. A payslip answers the bank's question in one page; your accounts answer it in thirty. The gap between a decline and an approval is very often not the income itself but how the file tells the story. That's most of what we do.

What underwriters actually check

Track record: 2–3 full years trading. The average, not the peak: income averaged across years; a rising trend helps. Net, after tax: what your returns declare — aggressive tax efficiency shrinks borrowing power, so if a purchase is coming, talk to us a year early. Consistency: business bank statements that match the accounts.

Directors and dividend earners

Salary-plus-dividends is fine when documented: company accounts, your shareholding, and personal returns showing the dividend history. Retained company profits can sometimes be argued into the picture with the right bank — lender choice worth tens of thousands in borrowing.