Spain mortgage guide
Spanish mortgage calculator for foreign buyers
Estimate your indicative borrowing range, monthly payment and required cash for a property purchase in Spain. Built for non-resident and resident foreign buyers.
How the calculator works
We apply common Spanish mortgage assumptions: indicative LTV ranges of 60–70% for non-residents and up to 80% for residents, indicative interest assumptions, a 25-year term, and taxes and fees of approximately 10–15% of the property value. 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.
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 Spanish mortgage calculator?
The calculator gives indicative figures based on common Spanish mortgage assumptions. 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 higher LTVs.
Are taxes and fees included?
Yes, the indicative cash required estimate includes approximately 10–15% taxes and fees.
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