Your indicative readiness

Strong indicative readiness

Indicative LTV range

60–70%

Indicative borrowing

€250,075 – €250,075

Indicative monthly payment

€1,252 – €1,390

25-year term · indicative fixed rate 3.5–4.5% (2026-Q2)

Indicative cash required

€458,425 – €471,425

Includes ~9–11% taxes & fees (Andalucía, resale)

Affordability score

80/100

Profile complexity

25/100

• Non-residents typically access lower LTV ranges (indicative ~60–70%).
• Applied an indicative 28% gross-to-net haircut for affordability (blended EU effective tax + social security). Toggle to "net" if you already entered net income.
• Fees estimated using Andalucía resale band (~9–11% of value).
• Rate range 3.5–4.5% (fixed, 25y) — snapshot 2026-Q2, Banco de España monthly statistics + typical non-resident spreads.
• Borrowing range capped by affordability (~35% DTI) given stated income and existing debts.
• Indicative cash required (including taxes & fees) appears higher than your stated down payment.

Indicative only. Figures shown are estimates for informational purposes and do not constitute financial advice. Final mortgage assessment is conducted by regulated mortgage professionals and lenders. Mortgage conditions vary depending on lender assessment.

Mortgage brokers experienced with profiles similar to yours

Compatibility based on profile factors and publicly available information. You independently choose which broker to contact.

Mortgage Direct

Independent mortgage broker for international buyers in Spain.

Compatibility

Languages

English, Spanish, Dutch

Regions

Costa del Sol, Costa Blanca, Madrid

Nationalities

United Kingdom, Ireland, United States

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

www.mortgagedirectsl.com Legal notice / Terms Pricing / fees page Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Fluent Finance Abroad

Spanish mortgages for UK and international buyers.

Compatibility

Languages

English, Spanish

Regions

Costa del Sol, Costa Blanca, Murcia

Nationalities

United Kingdom, Ireland, United States

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €80,000

Contact broker

www.fluentfinanceabroad.com Legal notice / Terms Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

The Spanish Mortgage Centre

Specialising in non-resident Spanish mortgages — 20+ years.

Compatibility

Languages

English, Spanish

Regions

Costa del Sol, Costa Blanca, Mallorca

Nationalities

United Kingdom, Ireland, United States

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

emac.eu.com

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Foxes Mortgages

Spanish mortgages, legal & purchase support for international buyers.

Compatibility

Languages

English, Spanish, German

Regions

Costa del Sol, Costa Blanca, Mallorca

Nationalities

United Kingdom, Germany, Netherlands

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

foxes.es

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Spectrum Spanish Mortgages

Mortgages in Spain for non-residents — advisers on the ground.

Compatibility

Languages

English, Spanish

Regions

Costa del Sol, Costa Blanca, Almería

Nationalities

United Kingdom, Ireland, United States

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €80,000

Contact broker

www.spectrumspanishmortgages.com Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Viva Finance

Spanish mortgages made easy for international buyers.

Compatibility

Languages

English, Spanish, French

Regions

Costa del Sol, Costa Blanca, Valencia

Nationalities

United Kingdom, France, Belgium

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

www.vivafinance.es

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Habeno

Digital mortgage broker in Spain — resident & non-resident buyers.

Compatibility

Languages

English, Spanish, French

Regions

Madrid, Barcelona, Valencia

Nationalities

United Kingdom, France, Germany

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

www.habeno.com Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Mortgage in Spain

Mortgage broker specialised in non-resident buyers.

Compatibility

Languages

English, Spanish

Regions

Costa del Sol, Costa Blanca, Málaga

Nationalities

United Kingdom, Ireland, Netherlands

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

www.mortgageinspain.es Pricing / fees page Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Mortgage Matters Spain

Mortgage brokerage and advisory for international buyers.

Compatibility

Languages

English, Spanish

Regions

Costa del Sol, Málaga, Marbella

Nationalities

United Kingdom, Ireland, United States

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

mortgagemattersspain.com Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Finance Spain

Financial advisory content and broker support for buyers in Spain.

Compatibility

Languages

English, Spanish

Regions

Costa del Sol, Málaga, Marbella

Nationalities

United Kingdom, Ireland, United States

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

www.finance-spain.com Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Hipoteken

Multilingual mortgage advisory for foreign buyers and non-residents.

Compatibility

Languages

English, Spanish, German

Regions

Valencia, Costa Blanca, Costa del Sol

Nationalities

United Kingdom, Germany, Netherlands

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €100,000

Contact broker

hipoteken.com Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Loan in Spain

Mortgage brokerage for property buyers across Spain.

Compatibility

Languages

English, Spanish

Regions

Costa Blanca, Alicante, Murcia

Nationalities

United Kingdom, Ireland, Netherlands

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialist

Min indicative loan: €80,000

Contact broker

loaninspain.com Pricing / fees page Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Homter

Buyer-side mortgage and finance advisory in Spain.

Compatibility

Languages

Spanish, English, Catalan

Regions

Barcelona, Catalonia, Madrid

Nationalities

Spain, United Kingdom, France

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialist

Min indicative loan: €100,000

Contact broker

homter.es Legal notice / Terms Read reviews on Google

Catalonia AICAT (real-estate agent register): 8187Generalitat de Catalunya — Registre d'Agents Immobiliaris. Not a mortgage-intermediary register.

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

Lionsgate Capital

Luxury mortgage advisory for international buyers in Spain.

Compatibility

Languages

English, Spanish, German

Regions

Mallorca, Ibiza, Costa del Sol

Nationalities

United Kingdom, United States, Germany

Listing

Compatibility match

Speaks EnglishExperienced with United Kingdom buyersNon-resident specialistActive in Costa del Sol

Min indicative loan: €500,000

Contact broker

www.lionsgatecapital.com Legal notice / Terms Read reviews on Google

Profile details are compiled from the broker's public website and have not been independently confirmed by Spain Mortgage Calculator. Public info reviewed: 2026-05-29.

See full broker directory