Spain mortgage guide
Mortgage in Spain for retirees
Retired buyers with pension income can typically access Spanish mortgages, subject to age limits and indicative LTV ranges. Use our compatibility assessment to find brokers experienced with pension-income files.
Age limits & term length
Spanish lenders typically cap the mortgage end-date at age 70–75. This shortens the available term and increases indicative monthly payments. Some lenders allow up to age 80 with co-borrowers.
Pension income documentation
Public or private pension statements from your country of residence, translated where required, plus 6–12 months of bank statements showing the pension being received.
Healthcare & residency planning
Many retirees combine the property purchase with a residency application (e.g. non-lucrative visa). Indicative LTV is generally lower for non-residents.
Frequently asked questions
Is there a maximum age for a Spanish mortgage?
Most lenders require the loan to be fully repaid by age 70–75. This affects the maximum term you can apply for.
Does pension income count as stable income?
Yes — public and well-established private pensions are typically treated as stable income, similar to salaried income.
Can I include a younger co-borrower?
Often yes, which can extend the indicative term. Specific eligibility depends on the lender.
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