Spain mortgage guide
Costa del Sol mortgage guide
From Estepona and Marbella through Fuengirola, Benalmádena and Málaga, the Costa del Sol is one of Spain's most active foreign-buyer markets. This indicative guide covers LTV, costs and broker compatibility for the region.
Where buyers come from
Costa del Sol mortgage files are dominated by UK, Scandinavian, German, Dutch, Belgian, Irish and Middle Eastern buyers. Many brokers specialise in these markets.
Indicative LTV & costs
Indicative LTV for non-residents is generally 60–70%, with around 10–12% in taxes and fees on top of the purchase price for resale properties in Andalusia.
New-build vs resale
New-build purchases attract VAT (IVA) of 10% plus AJD stamp duty instead of ITP. The financing timeline and lender appetite differs from resale.
Frequently asked questions
Is the Costa del Sol mortgage market different from inland Spain?
Yes — broker specialization for foreign buyers is much deeper here than in many inland regions.
Can I get a mortgage on a new-build off-plan?
Usually yes, but the mortgage is typically formalised at completion of construction.
Does the platform cover regions beyond the Costa del Sol?
Yes — our compatibility assessment covers all of Spain.
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