EUR earners can access fixed and variable mortgages at Bankinter
EUR earners can access fixed and variable mortgages at Bankinter

Bankinter mortgage for non-residents in Spain. Everything you need to know

When considering a Bankinter mortgage in Spain for non-residents, weighing the pros and cons can help you make an informed decision. Continue reading to discover how you can obtain a mortgage from Bankinter as a non-resident, including the eligibility requirements and necessary documentation.

Delia Mihuț
Written by: Delia Mihuț
Published at 2024-05-03
Last updated on 2024-05-03
Readtime 3 minutes

If you're seeking full remote banking for your mortgage process in Spain, Bankinter might be a worthy option.

In this article, we'll delve into eligibility criteria, required documents, and the pros and cons of choosing Bankinter.

Interested in comparing mortgage offers to optimize your financing in Spain? Check out Homevest, a digital solution tailored for cross-border mortgages.

What are the mortgage options Bankinter offers for non-residents looking to buy a property in Spain?

Non-residents interested in obtaining funding from Bankinter can select from fixed and variable mortgage options for up to 60% of the value of the second property. 

The currency you earn your income determines the type of mortgage you can access. 

EUR earners can access both fixed and variable mortgages, whereas non-residents earning USD, GBP, SEK, NOK, DKK, CAD, or AUD are limited to a variable mortgage.

What are the eligibility requirements for a Bankinter mortgage? 

To qualify for a Bankinter mortgage in Spain as a non-resident, you must meet the following eligibility requirements:

  • Permanent employment
  • Minimum 6 months employment tenure
  • Maximum 30% economic effort ratio
  • A minimum 40% deposit of the property's value, plus 10-12% for purchase and sale expenses
  • A minimum property value of 100.000 EUR 
  • A clean credit history

Additionally, you must complete a form to receive a non-binding offer that includes all the rates and conditions Bankinter may offer. This form will request your personal and professional information, as well as details about the property.

What documents are required for a Bankinter mortgage in Spain? 

Besides forms that involve your application details, Bankinter requires:

1. documents to identify your data (ID, NIE, marital status, and the number of children under your responsibility)

2. financial data (employment contract, payslips, tax returns, and proof of your primary residence)

3. information about the property (contract of purchase and sale, nota simple or land registry report)

If you’re self-employed, you’ll need your Income Statement for the last 3 years. 

If you’re applying with your partner, the borrowing amount might increase since marriages often have a shared economy, which can be advantageous during the application process.

Homevest digitalizes the mortgage application process in Spain for non-residents 

Homevest empowers international buyers in Spain by offering a comprehensive, user-friendly digital platform that simplifies the mortgage process.

The platform provides customers an all-in-one place to centralize their cross-border house-buying experience. Homevest assists applicants in sourcing the documents required for bank review, making the paperwork easily accessible for the customer, the broker, and the bank. This streamlined process can save you time and effort, and increase your chances of a successful mortgage application.

You’ll benefit from expert advice from mortgage brokers, and your documents will be reviewed and forwarded to eligible banks. 

The good news is that ​​Homevest is a free service designed to ensure non-residents secure the best market price for their mortgages in Spain. There are no hidden fees or charges for processing and submitting your documents to the banks.

Bankinter mortgage in Spain for non-residents: pros and cons

Choosing more products can lead to lower interest rates, but over the long term, Bankinter might be less competitive in the market. According to data collected from mortgage offers that Homevest users received in April, Bankinter had an interest rate of 5.27%.

This rate is slightly higher than some other banks in the market, but it's important to consider the other benefits of Bankinter mortgages when deciding.


  • mortgage solutions for non-resident foreigners from the US and UAE
  • among the few banks that offer mortgages to Australian Dollars earners 
  • no translations are required for your English documents
  • you can earn a special discount on the interest rate you pay if you arrange other Bankinter products
  • no maximum loan amount for borrowing, although amounts over 4 million EUR could be difficult


  • minimum property purchase requirement of 100,000 EUR
  • you can’t access fixed mortgage options if your income is not in euros
  • some mortgage options, especially longer-term loans, may not be the most competitive in the market
  • long forms customers need to complete to receive the non-binding offer

Don’t forget that other options are available as well. SabadellHolabank by CaixaBank, and Santander are just a few of the lenders to consider. Each of these lenders has its unique mortgage products and their eligibility requirements might be slightly different.

Analyze what you want from your mortgage and choose accordingly without compromising. 

Fortunately, there are solutions available to assist you in this process. Homevest is one such platform that can make your choice easier.


Sources used and checked in May 2024:

  1. Bankinter mortgages for non-resident foreigners
  2. Documents required for Bankinter application

We recommend obtaining professional or specialist advice before taking or refraining from any action based on the content in this article. The information in this article does not constitute legal, tax, or other professional advice from Homevest Limited. Prior results do not guarantee a similar outcome. We make no representations, warranties, or guarantees, whether express or implied, that the content in this article is accurate, complete, or up to date.

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