Spain mortgage guide
How much can I borrow in Spain?
Your indicative borrowing potential in Spain depends on residency status, income, monthly debts, the target property value and your profile complexity.
The 35% affordability anchor
Lenders commonly look for total debt repayments to stay around 35% of net monthly income, indicatively. Higher income stability can support higher ratios.
LTV caps your loan
Even with strong income, the loan amount is capped by indicative LTV — typically 60–70% for non-residents and up to 80% for residents.
Run your readiness check
Use our 12-step readiness check to estimate your indicative borrowing range and see brokers experienced with profiles similar to yours.
Frequently asked questions
Does Spain use stress tests?
Lenders apply their own affordability and stress tests. Conditions vary depending on lender assessment.
Can foreign income be used?
Yes. Foreign income is commonly accepted but may require translated documentation and stable history.
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Get an indicative borrowing range, monthly cost estimate and a shortlist of mortgage brokers that may match your profile. Free, no credit check, no obligations.
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