Check Your Mortgage Readiness for Spain
AI-assisted mortgage readiness and broker compatibility platform for foreign property buyers in Spain.
How it works
From profile to compatible brokers in minutes
Tell us about your profile
Twelve quick questions covering nationality, residency, employment, income and target property.
Get indicative results
We estimate your indicative borrowing range, monthly costs, required cash and complexity.
See compatible brokers
Mortgage brokers experienced with profiles similar to yours — you decide who to contact.
Mortgage calculator
Indicative borrowing & monthly costs
See an indicative LTV range, borrowing potential and monthly costs tailored to non-resident and resident scenarios in Spain.
Education
Built for foreign buyers
Foreign buyer mortgage guide
Spanish lenders treat non-residents and residents differently. Understand LTV ranges, documentation and fees.
Non-resident mortgages in Spain
Indicative LTV typically ranges 60–70% for non-residents, with stricter income documentation.
Buying property in Spain
Taxes and fees in Spain typically add ~10–15% to the purchase price. Plan your cash requirement carefully.
Broker compatibility
Mortgage brokers experienced with profiles similar to yours
We do not recommend a “best” broker. Our AI matches your profile to brokers experienced with similar nationalities, residency status, employment types, regions and complexity.
FAQ
Common questions
Is Spain Mortgage Calculator a mortgage broker or lender?
No. We are an informational mortgage readiness and broker compatibility platform. We are not a broker, lender, financial advisor or regulated intermediary. Final mortgage assessment is conducted by regulated mortgage professionals and lenders.
Are the calculations accurate?
All calculations are indicative and based on common Spanish mortgage assumptions. Mortgage conditions vary depending on lender assessment.
How are brokers ranked?
Brokers are ranked by profile compatibility based on factors such as nationality, language, residency, employment type, region and complexity, plus publicly available information. Users independently choose which broker to contact.
Can non-residents get a mortgage in Spain?
Yes. Non-residents can typically access indicative LTVs of around 60–70% subject to lender assessment and documentation.