Spain mortgage guide
Non-resident mortgage in Spain
Indicative guide to non-resident mortgages in Spain. Foreign buyers should expect lower LTVs than residents and additional documentation requirements.
Indicative LTV
Non-residents are typically positioned around 60–70% LTV, depending on lender, profile and property type.
Income evidence
Lenders need stable, verifiable income — often translated and apostilled. Self-employed and company owners may need extended financial history.
Why broker fit matters
Non-resident files are more nuanced. Brokers experienced with your nationality and employment type can navigate documentation and lender selection more efficiently.
Frequently asked questions
Is the rate higher for non-residents?
Rates can differ. Specific terms vary by lender and profile — discuss with a regulated broker.
Can I refinance later?
Refinancing is possible but subject to lender assessment at the time of application.
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