Financing
Mortgages in Spainfor foreign buyers
Foreign buyers can take out a mortgage with Spanish banks. We choose a bank to match the client's financial profile and support the application through to approval.
Foreign buyers can take out a mortgage with Spanish banks. We choose a bank to match the client's financial profile and support the application through to approval.
Choosing a bank to match the client's financial profile, preparing the document package and supporting the application through to approval.
Indicative calculation only. Spanish banks typically finance 60–70% of the property value for non-residents; the rate and terms depend on the bank and the borrower's financial profile.
Yes. Citizenship is not a barrier: property in Spain is open to foreign buyers. You can own a property even without residency status.
Residency is not required to buy. An NIE — the Spanish foreigner ID number — is mandatory. Obtaining it and opening a bank account are part of our support.
Foreign buyers can apply for mortgage financing at Spanish banks. Terms depend on the bank and the buyer's financial profile — typically, non-residents are financed a lower share of the value than residents.
Budget roughly 10–14% on top of the price: transfer tax (resale) or IVA + AJD (new build), notary, registration, gestor, lawyer, bank fees if financing. The exact figure depends on the region and property type.
From reservation to signing at the notary usually takes a few weeks. Timing depends on financing, the seller's paperwork and the property's status.
Largely, yes: video viewings are possible, and some steps can be handled by power of attorney. We recommend attending the final viewing in person.
We reply within one business day. The first consultation is free, with no obligation.