What documents are required when applying for a mortgage in Spain from abroad?

When buying a property and getting a mortgage in Spain, you’ll need to provide the following documents:

  • Copy of Spanish National Identity card or Passport
  • NIE number - Número de Identidad de Extranjero 
  • Payslips for the last 3 months
  • Annual tax payments and deductions (P60 Form in the UK) 
    • Last 3 years' financial records for sole traders
  • Last year's tax return
  • Proof of your main residence 
    • For homeowners: Land Registry title
    • For renters: Lease Agreement
  • Employment contract (including all annexes)
  • Bank statements from the last 6 months
  • Statements of savings and investments (to verify the source of the deposit)
  • Credit report 

In some cases, additional documents may be required by the banks to assess eligibility. This is evaluated on a case-by-case basis.

Read on to discover the documents checklist for a non-resident to apply for a Spanish mortgage.