Buying guidance · Financing & mortgage advice
The right financing for your property in Spain
Whether you're buying in cash or considering a Spanish mortgage, we help you get a clear picture of the options. With a background in Dutch property finance, we look beyond the interest rate alone, and know how a Spanish bank assesses a foreign buyer or investor.
How it works
How a Spanish mortgage works
Financial check up front
We map out your income, your current housing costs, and your own funds, and test them against Spanish bank standards: typically up to 70% financing for non-residents and a maximum of 35% of your net income going to total housing costs.
File and NIE
A Spanish bank decides on paper. We prepare the file with you: passport, NIE number, bank statements, payslips or annual figures, your tax returns, and an overview of assets and debts. We arrange sworn translations where needed.
Application, valuation, and offer
The bank runs a credit check and has the property valued by an accredited surveyor. Based on that valuation it sets the maximum loan amount. Once approved, the binding offer follows, the FEIN, with a ten-day statutory cooling-off period after that.
Notary and transfer
The mortgage deed and the ownership deed are signed together at the notary. We coordinate the timing with the seller, the bank, and the notary, and sit beside you so you know exactly what you're signing.
What you get
What a Spanish bank can offer you
Up to 70% financing
As a non-resident you typically borrow up to 70% of the purchase price or the valuation, whichever is lower. Residents can reach around 80%, buyers from outside the EU more often 50 to 60%.
Rate, term, and repayment
You choose between fixed, variable (Euribor plus a margin), or a mix. The term runs up to around 25 years and the loan must be repaid before you turn 75.
Home equity and other routes
Many buyers use the equity in their home as their own contribution. We put that route alongside a Spanish mortgage and alongside buying in cash, with the numbers to compare.
Entrepreneurs and property investors
Business financing for property in Spain
Buying through a company, building a portfolio, or does your plan not fit a Spanish bank's standard framework? Then a regular home mortgage is rarely the whole solution. We connect you with our close partners in the business financing sector, where other forms of financing are possible.
Business lenders assess a file differently than a retail bank. They look at the value and rentability of the property, at your overall position, and at the exit, and less at a payslip. That creates room for plans that would stall with a regular mortgage application.
In practice this means asset-backed financing, refinancing or drawing further on property you already own, short-term bridging until a sale or completion, and buying through a Spanish or Dutch company. Often faster than a bank mortgage, usually at a higher rate; we lay out that trade-off for you on paper.
Our founder advised entrepreneurs on business mortgages and investment structures. So we speak that language, and that's how we know which partner fits which plan. We don't provide financing ourselves and don't broker credit: we make the connection, oversee the process, and keep your interests front and centre.
Asset-backed financing
Lenders who finance based on the value of the property, in Spain or at home, with a term and repayment structure that fits your plan.
Business structures
Buying through a company, with multiple investors, or in a project structure, always checked first by our tax specialist for the consequences in Spain and at home.
Bridging and project finance
Short-term financing for the period until a sale, a completion, or a refinancing, including a developer's construction instalments.
Mortgage check
Run the numbers in the Mortgage check
Curious about the possibilities? Use our Mortgage check to calculate your monthly payment, your own contribution, and the additional costs in detail, and read step by step what a Spanish bank looks at.
Go to the Mortgage checkGood to know
What you can expect from us
- We guide you in your own language through the entire process and are your steady point of contact between bank, surveyor, lawyer, and notary.
- We connect you with mortgage specialists and banks that work with international buyers every day, and compare their terms side by side.
- We're not a financial advisor and don't sell mortgages. Our role is to guide, calculate, and tell you honestly when financing isn't a good idea.
Who this service is for
- Buyers who want to know what a Spanish bank will finance in their situation.
- Buyers who want to use the equity in their home for a purchase in Spain.
- Investors and entrepreneurs who want to see their return including financing costs and purchase costs.