Spain mortgage guide
Spain Mortgage Calculator
Free Spain mortgage calculator for non-residents and foreign buyers. Enter property value, income and deposit to estimate your indicative borrowing range, monthly payment and total cash required. Non-residents are typically offered 60–70% loan-to-value, residents up to 80%. Total taxes and fees usually add 10–15% on top of the property price.
How the calculator works
We apply common Spanish mortgage assumptions: indicative LTV of 60–70% for non-residents and up to 80% for residents, a 25-year term, indicative interest rates of 3.5–4.5% (2026 bands), and taxes and fees of approximately 10–15% of the property value. Affordability is bound by the ~35% debt-to-income ceiling Spanish lenders apply. All outputs are indicative and not financial advice.
What affects your indicative borrowing
Lenders evaluate residency status, employment type, income stability, existing debts, property value, region and overall profile complexity. Self-employed, company-owner, remote-worker and investor profiles can require additional documentation and benefit from brokers experienced with their profile.
From estimate to broker
After your readiness check you will see a shortlist of brokers experienced with profiles similar to yours. You independently choose who to contact — we do not negotiate or recommend a single best mortgage.
Frequently asked questions
How accurate is the Spain mortgage calculator?
The calculator gives indicative figures based on common Spanish mortgage assumptions (LTV bands, 2026 rate ranges, and regional fee bands). Final mortgage conditions vary depending on lender assessment.
What LTV can a non-resident expect in Spain?
Indicatively 60–70%, depending on lender, profile and property type. Residents may access up to ~80%.
Are taxes and fees included?
Yes, the indicative cash-required estimate includes approximately 10–15% taxes and fees on top of the deposit.
How much mortgage can I get in Spain?
Two limits apply: indicative LTV (60–70% non-resident, up to 80% resident) and affordability (~35% of net monthly income on total debt). Whichever is lower caps your loan.
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.
Start mortgage check