Spain mortgage guide
Complete Spain mortgage guide
A clear, indicative overview of how Spanish mortgages work for foreign buyers — from residency status and LTV ranges to documentation, rates, taxes and broker selection.
Residency drives LTV
Indicative LTV is typically 60–70% for non-residents and up to ~80% for residents, subject to lender assessment.
Rate types
Spanish mortgages are commonly offered as fixed, variable (Euribor-linked) or mixed. The right type depends on your profile and time horizon.
Documentation
Be prepared for extensive documentation: ID, NIE, payslips or accounts, tax returns, bank statements, debts overview and property valuation.
Choosing a broker
Foreign buyers benefit from brokers experienced with their nationality, language, residency and employment type. Compatibility — not commercial agreements — should drive selection.
Frequently asked questions
Should I use a broker?
A broker experienced with foreign profiles can simplify documentation and access lenders comfortable with non-resident or self-employed cases.
How long does the process take?
Indicatively 6–10 weeks from application to notary signing, depending on the lender and completeness of documents.
Check your mortgage readiness
Get an indicative borrowing range, monthly cost estimate and a shortlist of mortgage brokers that may match your profile. Free, no credit check, no obligations.
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