Spain mortgage guide · Ireland
Mortgage in Spain for Irish buyers
An indicative guide to getting a mortgage in Spain as a irish buyer — typical LTV ranges, documentation Spanish lenders expect from Ireland applicants, regional buying patterns, currency considerations and tax notes.
Typical LTV for Irish non-residents
Spanish lenders typically position irish non-resident buyers around 60–70% LTV. Specific terms depend on income documentation, employment type, property location and lender appetite. Irish salaried applicants are processed quickly given the EU residency advantage. PAYE workers usually have the most straightforward files.
Where most buyers from this market purchase
Irish buyers most commonly purchase property in: Costa del Sol, Costa Blanca, Alicante, Mallorca. Brokers in these regions tend to have established workflows for applicants from Ireland.
Currency considerations
Ireland uses the Euro — no FX risk applies. SEPA transfers from Irish accounts to Spanish accounts are straightforward.
Documents Spanish lenders typically request
- Last 3 payslips
- P60 or Employment Detail Summary (last 2 years)
- Last 6 months of Irish bank statements
- Tax clearance certificate if available
- Passport + Spanish NIE
- Self-employed: Form 11 returns, accountant-prepared accounts
Residency and tax notes
Irish buyers retain full EU rights post-Brexit, unlike British buyers. The Ireland–Spain tax treaty governs property income.
Frequently asked questions
Are Irish buyers treated as EU residents in Spain?
Yes. Ireland remains in the EU, so Irish buyers retain freedom of movement and stronger residency options than UK buyers.
Can I use Irish rental income to support a Spanish mortgage application?
Yes, with documentation. Lenders will typically apply a discount to gross rental income.
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