Spain mortgage guide
Costa Blanca mortgage guide
From Alicante and Torrevieja to Jávea and Dénia, the Costa Blanca is one of Spain's highest-volume foreign-buyer regions. This indicative guide covers LTV, costs and broker compatibility for buyers along the coast.
Who buys on the Costa Blanca
The Costa Blanca has large British, Norwegian, Swedish, Belgian, Dutch and German communities. Many brokers and lenders here specialise in non-resident files and offer multilingual service.
Indicative LTV & costs
Indicative LTV for non-residents is generally 60–70%. In the Valencian Community, resale homes attract ITP and budget around 10–13% in taxes and fees; new builds attract 10% VAT plus AJD.
North vs south coast
The northern Costa Blanca (Jávea, Dénia, Moraira) skews towards villas, while the south (Torrevieja, Orihuela Costa) has more apartments and townhouses — property type influences valuation and lender appetite.
Frequently asked questions
Why is the Costa Blanca popular with foreign buyers?
Established expat communities, value-for-money pricing and strong broker specialisation make non-resident purchases relatively straightforward here.
Is ITP higher in the Valencian Community?
Resale transfer tax in the region is typically around 10%, so total costs sit near 10–13% — confirm current rates before completion.
Does the platform cover the whole Costa Blanca?
Yes — our compatibility assessment covers all of Spain, including the northern and southern Costa Blanca.
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