Spain mortgage guide
Málaga mortgage guide
Málaga city and its province — from the capital to the wider Costa del Sol hinterland — is one of Spain's fastest-growing foreign-buyer markets. This indicative guide covers LTV, costs and broker compatibility for buyers in Málaga.
Who buys in Málaga
Málaga attracts a broad mix of UK, Scandinavian, German, Dutch, French and increasingly remote-working buyers drawn to the city's tech and lifestyle growth. Brokers here are experienced with non-resident and digital-nomad income profiles.
Indicative LTV & costs
Indicative LTV for non-residents is generally 60–70%, with roughly 10–12% in taxes and fees on top of the purchase price for resale homes in Andalusia (ITP). New builds attract 10% VAT plus AJD stamp duty.
City vs coast
Apartments in Málaga city centre and Soho/Centro Histórico differ in lender appetite and valuation from coastal resale homes. Profile and property type both influence indicative terms.
Frequently asked questions
Is Málaga city different from the Costa del Sol resorts for mortgages?
Lender appetite is similar, but urban apartments are valued differently from coastal villas. Both are well covered by regional brokers.
Can remote-working income support a Málaga mortgage?
Often yes, with documented, stable income — though lenders assess self-employed and foreign-currency income more conservatively.
Does the platform cover the whole Málaga province?
Yes — our compatibility assessment covers all of Spain, including Málaga city and the wider province.
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