Spain mortgage guide
Mortgage in Spain for self-employed buyers
Self-employed buyers — freelancers, autónomos, consultants and company owners — often face additional documentation requirements in Spain. Use our compatibility assessment to see brokers experienced with self-employed files.
Why self-employed files are different
Spanish lenders typically request 2–3 years of accounts, recent tax returns (e.g. Modelo 130/100) and bank statements. Income stability, profit trend and the legal structure of the business all influence indicative borrowing.
Indicative LTV expectations
Self-employed non-residents are commonly positioned around 50–65% LTV; residents may access up to ~70–80% depending on profile and lender. These are indicative ranges, not offers.
Common pitfalls
Mixing personal and company expenses, declaring minimal income for tax optimisation, and short trading history can all reduce indicative borrowing. Brokers experienced with self-employed profiles can help structure documentation appropriately.
Frequently asked questions
Can I get a mortgage in Spain as an autónomo?
Yes, but documentation is more extensive. Lenders weigh declared income, trend and stability heavily.
What if my business is outside Spain?
Many lenders accept foreign company income with translated, apostilled accounts. A broker experienced with multi-jurisdiction files is recommended.
Does the platform recommend a specific broker?
No. We provide an profile-based compatibility matching. You independently choose who to contact.
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