Mortgage in Spain: guide for non-residents

Any proposed changes would need to be approved by the lower house

Spain's 100% Property Tax: impact on foreign buyers and alternatives

If the 100% property tax is implemented, Portugal will become even more attractive to non-residents looking to buy a second property in a sunny location.

By Delia Mihuț

25/01/22 10:36

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Buying property in Spain with a mortgage: tips for foreigners

No secret hacks. Just a simple guide for buying property in Spain as a foreigner, along with a non-negotiable checklist to help optimize your search.

By Delia Mihuț

24/12/02 13:30

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1

The bank disburses the money in installments as the construction progresses

Self-build mortgage in Spain. Options for foreigners

The amount you can borrow depends on your project's value and your contribution. Learn about self-build mortgage options, eligibility, and tips for non-residents in Spain.

By Adrian Volenik

24/11/21 11:58

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A Sociedad Patrimonial is ideal for higher-income individuals

Can't qualify for a Spanish mortgage? Consider a Sociedad Patrimonial instead

A Sociedad Patrimonial is ideal for high earners, investors, or those buying multiple properties. Learn how it can help secure financing.

By Adrian Volenik

24/11/21 10:28

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Remortgage in Spain for non-residents: is it possible?

Discover the eligibility requirements, challenges, and benefits of refinancing a Spanish mortgage as a non-resident.

By Adrian Volenik

24/11/19 12:36

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Expats can get resident mortgages on similar terms as Spanish nationals

Mortgage in Spain as an expat: everything you need to know

Learn how expats can get a mortgage in Spain, including the process, requirements, and options for financing a property.

By Adrian Volenik

24/11/14 16:06

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Expect up to 10% in taxes and fees, in addition to the down payment and property price

Mortgage fees in Spain for foreigners: what you need to know

Learn about mortgage fees in Spain, including taxes, notary fees, and insurance, to avoid surprises and budget wisely.

By Adrian Volenik

24/11/11 08:50

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The Homevest budget estimation is based on the data you provided

How much can you borrow for a Spanish mortgage? Explore Homevest Spain

Get trustworthy calculations to guide your next steps, whether you are employed or self-employed.

By Delia Mihuț

24/11/08 09:22

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Obtaining a 100% mortgage in Spain as a foreigner is rare

Can foreigners get a 100% mortgage in Spain? Explore your options

If you want to gain a better understanding of your financial options, a budget estimation can help you determine how much you can borrow from banks in Spain.

By Adrian Volenik

24/11/07 12:44

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Spanish banks typically use the 12-month Euribor, which can make rates vary significantly

How do mortgages work in Spain for foreigners?

Learn about the types of mortgages available to foreigners in Spain, eligibility criteria, key terms, and tips for securing the best deal based on your profile.

By Adrian Volenik

24/10/28 09:19

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A green mortgage is a smart financial investment that offers lower interest rates and potential tax breaks

Green Mortgages in Spain: how to finance eco-friendly homes

Learn how non-residents can secure green mortgages in Spain and discover the incentives for these products.

By Adrian Volenik

24/10/22 10:39

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Most Spanish banks accept self-employed applicants for mortgages

How to apply for a mortgage in Spain as a self-employed non-resident

See if you qualify and explore mortgage options for self-employed non-residents, digital nomads, and freelancers in Spain.

By Adrian Volenik

24/10/22 09:04

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Current interest rates for mortgages in Spain range from 2.55% to 4.5%

Getting a mortgage before or after moving to Spain?

Find out what works best for your situation before deciding when to get a mortgage in Spain.

By Delia Mihuț

24/08/13 09:06

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Banks assess cases individually, and interest rates can vary

Santander vs Banca March: which one to pick for your Spanish mortgage?

A guide to comparing offers, pros, and cons of Santander vs. Banca March mortgages for foreigners. Continue reading for a comparative analysis of these two Spanish lenders.

By Delia Mihuț

24/06/21 08:40

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Mortgage rates vary based on property type, value, and deposit amount

BBVA vs Sabadell mortgage: which one to pick?

A guide to BBVA vs. Sabadell mortgages for foreigners, comparing offers, rates, pros, and cons. Continue reading for a comparative analysis of these two Spanish lenders.

By Delia Mihuț

24/06/13 08:01

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Homevest is a quick and easy solution that matches you with tops brokers that suit your needs

What are the best mortgages in Spain for US citizens?

Discover the 8 best mortgages in Spain for US citizens in 2025. Find the perfect fit for your case and learn how Homevest can assist you in comparing the available mortgage offers.

By Delia Mihuț

24/05/24 08:00

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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.

By Delia Mihuț

24/05/03 07:51

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Spain decided to eliminate the Golden Visa program in April 2024

How much do I need to invest in Spain to qualify for citizenship?

Owning property in Spain can help establish a more permanent connection to the country. It could also facilitate your application for citizenship through naturalization after a period of residency. Continue reading to understand your options.

By Delia Mihuț

24/04/23 07:47

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Mallorca is an excellent investment destination

Mallorca guide: top things to see and do

After reading this guide, you'll see that Mallorca is worth visiting. There's a lot to see and do, and you might not have time for everything! So why not invest in a property here?

By Delia Mihuț

24/04/17 10:12

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Ibiza is a blend of adventure and relaxation

Ibiza guide: top things to do and see

After reading this guide, you'll have many ideas for your escape to Ibiza. This island is a hotspot for experiencing the world-famous party scene or snorkeling in its crystal-clear waters. With so much to see and do, fitting everything into one trip might be challenging. Why not consider making it your Spanish getaway?

By Delia Mihuț

24/03/28 07:57

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Malaga is an experience that reveals the Spanish way of life

Malaga guide: top things to see and do

After exploring this guide, you'll have many ideas for your Malaga trip. This vibrant city of the Costa del Sol is a hotspot for experiencing Andalusian culture. There's a lot to see and do, and you might not have time for everything! So why not come back to your place of your own?

By Delia Mihuț

24/03/22 11:07

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A mortgage broker can simplify your experience when buying in Spain from abroad

How to choose your mortgage broker for financing in Spain

When choosing a mortgage broker in Spain, consider their experience, reputation, lender network, customer service, fees, and seek recommendations and online reviews. Read a handy guide to help you choose your mortgage broker in Spain when you are a non-resident buying from abroad.

By Delia Mihuț

24/02/22 08:23

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A Spanish mortgage calculator helps you estimate the monthly payments for your mortgage

What are the best Spanish mortgage calculators for non-residents?

Choosing the best Spanish mortgage calculator depends on your specific needs. While some banks offer calculators limited to their products, this guide has compared 8 Spanish calculators to help you understand their features and customization options.

By Delia Mihuț

24/02/16 09:23

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Homevest allows you to easily request and compare mortgage offers from leading banks

Fixed-rate vs. variable rate mortgages in Spain: the full comparison for non-residents

In the last quarter of 2023, mortgage rates went up, with small tweaks in fixed rates and increases in variable rates as the year ended. Continue reading our comparison of fixed-rate vs. variable rate mortgages in Spain, including their pros, cons, and opportunities compared.

By Delia Mihuț

24/01/29 09:09

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In December 2023, mixed-rate mortgages became more affordable, dropping to 4.26%

Mixed mortgages in Spain for non-residents: a good option?

Before making a decision, it is recommended that you compare different options and explore the available alternatives. Negotiation is a common practice in Spain, and the great news is that you don't have to handle it alone.

By Delia Mihuț

24/01/24 11:32

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Buying a property at auction doesn't impact the credit approval process with Spanish banks

Spanish property auctions: a good option for non-residents?

As a non-resident, you can obtain a mortgage in Spain to buy a property at an auction. To do so, you'll need to meet the standard requirements for non-residents and provide all the necessary documents for your mortgage application.

By Delia Mihuț

24/01/23 10:14

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The average fixed-rate mortgage in Spain is 3.51%

5 best Spanish fixed-rate mortgages for non-residents

A fixed-rate mortgage offers financial safety and predictability, as the interest rate and monthly payments remain unchanged throughout the loan term. However, this also means you will not benefit from potential decreases in interest rates. Continue reading to understand your options.

By Delia Mihuț

24/01/12 13:55

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A variable mortgage often starts with an interest rate lower than that of fixed-rate mortgages

Best variable mortgage options in Spain for non-residents

Variable rates offer more flexibility and typically have lower prepayment penalties compared to fixed-rate mortgages. Read our guide on the best variable mortgage rate options in Spain, including information on fees, interest rates, and more.

By Delia Mihuț

24/01/10 08:22

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Consider using a mortgage broker as an alternative to negotiating mortgage rates

Can you negotiate your mortgage rates in Spain when applying from abroad?

Negotiation involves more than just the interest rate. It also includes the overall terms of the mortgage, such as the repayment period, associated fees, and any penalties.

By Delia Mihuț

24/01/03 15:27

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More than 20,000 Irish citizens currently live in Spain

Mortgage in Spain from Ireland: what you need to know

Irish buyers have many opportunities to obtain financing from Spanish banks, provided they earn their income in Euros. Discover the key requirements for obtaining a mortgage in Spain as an Irish citizen, and learn which banks to consider. Read on for detailed insights.

By Delia Mihuț

23/11/29 09:43

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Spain's average mortgage rate of 5.5% is lower than Canada's

Mortgage in Spain as a Canadian citizen. What are your options?

Using a mortgage broker may lead to favorable deals, given their access to multiple lenders and a broader range of loan products than a single bank. Learn key requirements when applying for a mortgage in Spain as a Canadian citizen. Explore how Homevest helps compare international mortgage offers.

By Delia Mihuț

23/11/24 08:57

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The average interest rate in Spain for non-residents was 4.27% in April

Mortgage in Spain vs. Portugal: which is better?

Portugal has fewer banks offering loans to non-residents, while Spain offers a broader range of loan products, including those for buying and renovating homes for non-residents. Continue reading to understand which place offers the best deal for the home you've always wanted.

By Delia Mihuț

23/11/21 14:01

7'

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You can download your Credit Report for free with an Experian account

How to download your Experian credit report in the UK

Learn how to download your Experian credit report easily in the UK by following the step-by-step instructions on accessing your credit information.

By Erik Edin

23/11/20 10:54

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Demonstrating your financial stability is required when renting or buying a property in Spain

Renting vs buying a property in Spain: mortgage considerations

The advantage of taking out a mortgage to purchase a property is that you are leveraging the bank's money to finance your acquisition. At first glance, the mortgage application process may seem daunting, especially for non-residents. Fortunately, Homevest provides a solution that can simplify the process for you. Continue reading for more details.

By Delia Mihuț

23/10/30 08:49

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1

Property prices are more affordable in Spain than in the UK

Retiring to Spain from the UK: your complete guide

Retiring to another country can be challenging, but it can also be the most beautiful thing you can give yourself, especially if it involves a beach, sunshine, good food, and a slow-paced life. Continue reading to learn everything about retiring in Spain before making an informed decision.

By Delia Mihuț

23/10/25 10:05

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What deposit do you have to pay to buy a house in Spain from the UK?

In addition to the deposit, you should expect to pay taxes associated with your purchase. Explore insights on the deposit amounts and considerations when purchasing a property in Spain as a UK resident.

By Delia Mihuț

23/10/18 15:06

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Engage in negotiations with banks to secure the most favorable mortgage offers

Mortgage in Spain for UK citizens: everything you need to know

Continue reading to understand everything you need to know when applying for a mortgage in Spain from the UK, from key requirements to navigating post-Brexit changes.

By Delia Mihuț

23/10/10 15:18

6'

1

Lenders will assess your collective income

Applying for a Spanish mortgage as a couple? Here’s what you need to know

Lenders consider the applicants' combined income, which may increase the borrowing amount and the chances of approval. Continue reading to discover everything you need to know when applying for a Spanish mortgage with your partner.

By Delia Mihuț

23/09/26 13:04

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Banks assess cases individually, and the interest rate can vary

Santander vs. Sabadell mortgage for non-residents: which one to pick?

Santander is a favorable choice for properties valued under 100,000 EUR. On the other hand, Sabadell offers more competitive interest rates, and the application process is simpler and faster. But when comparing offers per se, Homevest could be your best choice to access competitive rates in Spain without fees. Continue reading for a comparative analysis of a mortgage from Santander vs. Sabadell.

By Delia Mihuț

23/09/15 08:09

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If you wish to compare mortgages in Spain while in the UK, Homevest can easily assist you

What are the best Spanish mortgages for UK residents?

Regardless of the bank you choose for your mortgage, make sure you have your P60 form ready. This tax document is essential for assessing loan offers, as it captures details about your income, taxes, and contributions from the prior year. Keep reading to learn about the best Spanish banks for mortgages for UK buyers.

By Delia Mihuț

23/09/13 12:33

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4

Non-residents can access a loan amount between 100,000 and 2,900,000 EUR

HolaBank mortgage: everything you need to know

CaixaBank will provide a maximum of 70% financing, which means you must cover a 30% contribution. Learn everything you need to know about the Caixa HolaBank mortgage. Discover the bank's features and find out which documents are required for non-residents.

By Delia Mihuț

23/09/11 16:44

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Homevest makes it easy for you to get the best offer

Mortgage in Spain for Non-Residents: Your 2025 Guide

Learn everything you need to know about getting a mortgage in Spain, including requirements, interest rates, and info for non-resident buyers.

By Delia Mihuț

23/09/08 11:16

7'

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A mortgage broker can get you better deals from banks

What are the Spanish mortgage rates for foreigners?

Discover the latest mortgage rates in Spain for foreigners, including fixed, variable, and mixed-rate options. Learn how to secure the best deal with tips for non-residents.

By Delia Mihuț

23/09/01 07:53

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There are no fees for opening a bank account in Spain

Is a Spanish account required to buy property in Spain?

A Spanish bank account can simplify handling multiple transactions and payments associated with buying property, including the notary fees, taxes, and transferring funds needed for the purchase. Learn about the requirements of a Spanish bank account, compare costs, and explore accounts for non-residents.

By Delia Mihuț

23/08/25 09:31

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You can receive up to 30% of the renovation budget

Can I get a mortgage to buy and renovate a house in Spain?

Some Spanish banks, like UCI, offer mortgages that cover both the purchase price and renovation costs. Get the details to make an informed decision.

By Delia Mihuț

23/08/14 15:17

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HolaBank grants up to a maximum of 70% for second homes in Spain

Can non-residents get a CaixaBank mortgage to buy a property in Spain?

As a non-resident looking into buying a house in Spain, you might want to investigate the various mortgage options available. Thankfully, Spain offers a wide array of mortgage opportunities for both foreign nationals and Spanish expats. Find out how to obtain a mortgage with CaixaBank, including steps and insights to guide your decision-making.

By Delia Mihuț

23/08/08 07:52

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Using a mortgage broker may lead to better deals

Best mortgage brokers in Spain. Top 10 compared

Discover the best mortgage brokers in Spain for non-residents in 2025! Find the perfect fit for your needs with detailed reviews, pricing, and use cases.

By Delia Mihuț

23/08/04 09:08

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Santander accepts documents in English, French, Italian, Portuguese, Swedish, or German

Santander Spanish mortgage for non-residents. Everything you need to know

Learn how to get a Santander Spanish mortgage as a non-resident. Find out the requirements and documents you need to qualify.

By Delia Mihuț

23/07/27 07:24

2'

2

You can lower your interest rate by up to 1% with additional products

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

BBVA offers a range of mortgage options from 100,000 to 2,000,000 EUR, providing flexibility to borrowers with different financing needs. Continue reading to find out how to obtain a mortgage with BBVA if you are a non-resident, including eligibility requirements and necessary documentation.

By Delia Mihuț

23/07/10 10:16

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Sabadell accepts documents in EN, FR, and DE without requiring translation

Sabadell mortgage for non-residents. Everything you need to know

Sabadell offers a variety of options, including both fixed and variable rates, allowing borrowers to choose a mortgage solution that aligns with their financial goals. Read on for essential information to consider when choosing a Sabadell mortgage.

By Delia Mihuț

23/07/05 14:08

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Lenders prioritize reliable income sources and stable employment

Documents required for a mortgage in Spain: your checklist

Whether planning to retire, invest in a holiday home, or move to Spain for good, having all the essential information and guidelines is crucial for a smooth mortgage application. Read on to discover the mortgage document requirements in Spain for non-residents.

By Delia Mihuț

23/06/15 11:31

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Can EU citizens get a mortgage in Spain? Everything you need to know

Despite the dip in the housing market during the pandemic, Spain continues to be an excellent place to invest. In 2022, foreigners accounted for a record-breaking 14.6% of total property purchases in the country. If you’re looking to get a mortgage in Spain, understanding the process is essential. Fortunately, Homevest is here to help. Continue reading for more details.

By Delia Mihuț

23/05/22 10:49

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Negotiating mortgage terms can help you secure a more favorable deal

Top 9 Spanish mortgage for non-residents: compare key features

Explore top Spanish mortgage options for non-residents, from low property value minimums to renovation financing. Compare unique features, eligibility, pros, and cons to find the right fit for your profile.

By Delia Mihuț

23/05/15 07:11

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