Sources & transparency
The references behind our figures
In short: our indicative calculators and guides are grounded in authoritative public sources for Spanish mortgages, tax and regulation. We list them here so our information can be checked. Figures are indicative only and not financial advice.
Last reviewed:
Primary sources
Mortgage regulation, registered intermediaries and consumer protection under Ley 5/2019 (LCCI).
The Spanish law governing real estate credit contracts and mortgage intermediation.
Spanish tax authority — non-resident taxation and purchase-related taxes (IVA, IRNR).
Official statistics on Spanish housing, mortgages and property transactions.
Reference rates that influence variable and mixed Spanish mortgage pricing.
Property registry data informing transaction and ownership-cost estimates.
How we use sources
We use these references to set conservative, widely-applicable assumptions in our tools. Where the underlying rules, rates or taxes change, we update affected pages and refresh the last-reviewed date. Final mortgage figures are always determined by regulated lenders and brokers after a full assessment.
See how these sources feed our tools in our methodology and editorial standards pages.