Spain mortgage guide
Mortgage in Spain for expats
Expats relocating to Spain — including digital nomads, remote workers and intra-EU movers — often hold income in a different currency or jurisdiction. Use our compatibility assessment to find brokers experienced with international files.
Resident or non-resident at signing?
Indicative LTV is materially higher for buyers with Spanish residency at signing (up to ~80%) versus non-residents (around 60–70%). Timing your residency application can affect mortgage outcomes.
Foreign-currency income
Most Spanish lenders accept EUR-equivalent income. Income in GBP, USD, CHF or Nordic currencies is typically accepted with a haircut and a conservative FX assumption.
Digital nomad visa (DNV)
Spain's Digital Nomad Visa creates a hybrid profile: tax-resident in Spain with foreign employment income. Some lenders are well-positioned for this profile, others are not.
Frequently asked questions
Can a Digital Nomad Visa holder get a mortgage in Spain?
Yes — many lenders accept DNV-holders. A broker experienced with this profile is recommended as not all lenders treat it the same way.
Will currency risk reduce my borrowing?
Lenders typically apply a haircut to foreign-currency income to absorb FX risk, which reduces indicative borrowing versus EUR income.
Do I need a Spanish bank account first?
Usually yes — a Spanish current account is required for direct-debiting the mortgage payment.
Check your mortgage readiness
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.
Start mortgage check