Methodology & transparency
How our calculators and compatibility scoring work
In short: our tools turn publicly available Spanish mortgage, tax and market information into indicative estimates and profile-based broker compatibility. We publish our assumptions so they can be checked. We are not a broker, lender or regulated intermediary, and nothing here is financial advice or a mortgage offer.
What the calculators estimate
Our calculators model the key figures a foreign buyer needs before speaking to a regulated professional: indicative borrowing power, monthly repayments, total purchase costs and a readiness signal. They are designed to be directionally useful, not precise quotes.
Key assumptions
Each estimate is built on stated, conservative assumptions. Real figures are determined by individual lenders after a full assessment.
Loan-to-value (LTV)
Non-resident buyers are modelled at a typical 60–70% LTV and residents at up to 80%. Actual LTV is set by each lender after a full assessment.
Interest rates
We use indicative ranges aligned with publicly reported Spanish mortgage rates and Euribor. Rates shown are illustrative, not quotes.
Affordability / DTI
Monthly mortgage and debt obligations are modelled against a ~30–35% of net income ceiling, a common Spanish lender guideline.
Purchase costs
We estimate 10–14% in taxes and fees (ITP/IVA, notary, registry, valuation, legal) depending on region and property type.
Term & repayment
Calculations assume standard French amortisation. Maximum term assumptions account for age limits applied by most Spanish lenders.
How we build and review estimates
- 1. Public, citable inputs. We start from publicly available regulatory, tax and market information for Spain and cite the sources we rely on.
- 2. Conservative assumptions. Where ranges exist, we model toward conservative, widely-applicable defaults so estimates do not overstate borrowing power.
- 3. Indicative output only. Every result is framed as indicative and is never presented as an offer, approval, quote or financial advice.
- 4. Independent review. Assumptions are reviewed and updated when Spanish regulation, tax rates or market conditions change materially.
Broker compatibility scoring
Compatibility ranks brokers by how closely their stated experience matches your profile — nationality, residency, employment type, region and complexity. It is an informational signal, not a regulated suitability assessment. Paid visibility is always labelled and never changes organic compatibility scoring.
See the full breakdown in How brokers are ranked and Partner transparency.
What this is not
- · Not a mortgage offer, approval, quote or pre-approval.
- · Not financial, legal or tax advice.
- · Not a regulated suitability or affordability assessment.
- · Not a guarantee of any rate, term or lender decision.
For the references behind our assumptions, see our sources & transparency page. To learn how content is reviewed, see our editorial standards.