Spain mortgage guide
Non-resident mortgages in Spain
Non-residents can typically access indicative LTVs of around 60–70% in Spain. Mortgage conditions vary depending on lender assessment of your profile, income and property.
Typical indicative LTV for non-residents
Most Spanish lenders position non-resident mortgages around 60–70% LTV. Specific terms depend on your nationality, residency, income documentation, employment type and property location.
Documentation usually requested
Expect to provide proof of identity, recent payslips or accounts, tax returns, bank statements, evidence of existing debts and a property valuation. Self-employed and company owners often need extended documentation.
Costs beyond the loan
Plan for approximately 10–15% of the property value in taxes and fees, including transfer tax or VAT, notary, registry and legal fees.
Frequently asked questions
Can a non-resident get a mortgage in Spain?
Yes, indicatively up to around 60–70% LTV subject to lender assessment.
Do I need a Spanish bank account?
Most lenders will require a Spanish account for mortgage payments and direct debits.
Does residency in Spain change my LTV?
Residents may indicatively access higher LTVs (up to ~80%), subject to lender assessment.
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