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Mortgage in Spain: guide for non-residents

Getting a mortgage can be challenging, but with planning and research, you can secure the financing you need to make your dream of owning a home in Spain a reality. Read on to discover the process and requirements to make an informed decision.

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

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

Can I apply for a mortgage in Spain as a Canadian?

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 5.5% in October

The average interest rate in Spain for non-residents was 5.5% in October

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

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

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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Negotiate with banks for the best mortgage deals

Negotiate with banks for the best mortgage deals

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

US citizens exploring mortgage options based on USD income have several choices among Spanish banks, including Sabadell, Santander, Caixabank, Cajasur, and Bankinter. Learn about securing a mortgage in Spain as a US citizen with Homevest's guidance to compare leading international bank offers.

By Delia Mihuț

23/11/16 10:23

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A mortgage broker can speed up the process and get you better deals from banks

A mortgage broker can speed up the process and get you better deals from banks

How to avoid 3 common mistakes when applying for a Spanish mortgage

As a non-resident applying for a mortgage in Spain from abroad, it's understandable to be unfamiliar with the process. Discover how to avoid three key mistakes during your application.

By Delia Mihuț

23/11/06 11:26

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

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

6'

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Property prices are more affordable in Spain than in the UK

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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Access banking offers with Homevest

Access banking offers with Homevest

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

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

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

UK citizens looking to obtain a mortgage based on incomes earned in GBP have options with banks such as Sabadell, Santander, Caixabank, Cajasur, and Bankinter. 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

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Lenders will assess your collective income

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

5'

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Banks assess cases individually, and the interest rate can vary

Banks assess cases individually, and the interest rate can vary

Santander vs. Sabadell mortgage for non-residents: which one would you choose?

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

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

What are the best Spanish banks for mortgages for UK buyers?

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

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

Homevest makes it easy for you to get the best offer

How to get a mortgage in Spain as a non-resident: your ultimate guide

While many Spanish banks do not impose restrictions based on property value or the nationality of buyers, it's essential to be aware that every application is evaluated on a case-by-case basis. 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

A mortgage broker can get you better deals from banks

Mortgage rates in Spain for non-residents [October 2023]

When comparing mortgages for a property in Spain, staying updated on the latest market deals can help you to negotiate effectively. Negotiation is standard practice, and this is where Homevest excels, helping you secure the most advantageous deal.

By Erik Edin

23/09/01 07:53

5'

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There are no fees for opening a bank account in Spain

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

4'

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You can receive up to 30% of the renovation budget

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, such as UCI, offer specialized mortgage products specifically designed for this purpose. These mortgages cover both the property's purchase price and renovation costs. Find out everything you need to know for an informed decision.

By Delia Mihuț

23/08/14 15:17

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Consider getting pre-approved for a mortgage to understand what you can afford

Consider getting pre-approved for a mortgage to understand what you can afford

How much money do I need to buy a house in Spain?

You can find a property that fulfills your needs by understanding the market, calculating your home-buying budget, and seeking professional advice. This checklist can help you navigate the process confidently and clearly, leading to a successful property purchase in Spain.

By Erik Edin

23/08/14 13:29

4'

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

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

Using a mortgage broker may lead to better deals

What are the best mortgage brokers for buying property in Spain?

When choosing a Spanish mortgage broker, consider their experience, reputation, expertise, range of lenders, transparency, customer service, rates, fees, and seek referrals and online reviews. Find out which brokers can help you access a mortgage for buying a property in Spain and see how you can compare the available credit offers.

By Erik Edin

23/08/04 09:08

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Homevest is your ideal solution for getting a mortgage in Spain from abroad

Homevest is your ideal solution for getting a mortgage in Spain from abroad

How long does it take to get a Spanish mortgage as a foreigner?

Researching the available options is an important step that requires a considerable amount of time, especially since you don't want to rush into making a hasty decision. Keep reading to discover how long you can expect this process to take.

By Delia Mihuț

23/08/01 12:25

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

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

A complete guide to Santander mortgage for non-residents

Specifically tailored for non-residents, The Mundo Mortgage provides flexibility with terms of up to 20 years and a minimum loan amount of 100,000 EUR. 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

English documents are accepted by most banks, eliminating the need for translation

English documents are accepted by most banks, eliminating the need for translation

How to get a mortgage in Spain from the UK: the process

When choosing a mortgage for purchasing property in Spain as a foreigner, consider interest rates, fees, and overall costs. Learn all the important information and steps involved in the process when considering increasing your property budget with a mortgage.

By Delia Mihuț

23/07/24 12:12

3'

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When choosing a mortgage, consider your financial situation and risk tolerance

When choosing a mortgage, consider your financial situation and risk tolerance

Comparing mortgage interest rates in Spain: what you need to know

Understanding mortgage rates helps you make informed decisions, whether you're a first-time buyer or an experienced investor. Discover the current mortgage interest rates in Spain and learn how Homevest can assist you in comparing the available mortgage offers.

By Delia Mihuț

23/07/17 09:24

3'

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

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

3'

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A platform for mortgages

Homevest is a pan-European mortgage and homebuying platform. We strive to bring the mortgages in the 21st century.

Where will you buy?

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🇬🇧 United Kingdom

🇧🇬 Bulgaria

🇪🇪 Estonia

🇬🇷 Greece