Spain mortgage guide
Mortgage in Spain for foreigners
An indicative overview of how mortgages work in Spain for foreign buyers — covering residency, employment type, documentation, fees and broker compatibility.
Resident vs non-resident
Residency status is the single biggest driver of indicative LTV in Spain. Non-residents are typically positioned around 60–70% LTV, residents up to ~80%, subject to lender assessment.
Employment matters
Salaried profiles tend to be processed fastest. Self-employed, company owners, remote workers and investors often require additional documentation and benefit from brokers experienced with their profile.
Total cost of buying
Plan for approximately 10–15% of the purchase price in taxes and fees on top of the property price and any down payment.
Frequently asked questions
Is the mortgage process different for foreigners?
Documentation requirements are typically more extensive, and indicative LTV ranges are usually lower for non-residents.
Can I apply remotely?
Many brokers and lenders support remote onboarding, although a physical presence may be required for the notary signing.
Check your mortgage readiness
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