Spanish mortgages for international buyers
Bank of Spain Registration Nº E551
Personal mortgage guidance in Spain
Spanish mortgages made clear for International buyers.
Work directly with an English-speaking mortgage broker to understand your borrowing power, compare Spanish lenders and move towards completion with confidence.
No upfront fees. You only pay if you decide to proceed with a mortgage offer.
Use the 4-question mortgage plan below or book a call directly.
No upfront fees
Start with a free assessment.
English support
Clear explanations throughout.
Regulated broker
Registration Nº E551.
Marco Antonio Serrano Viriot
Mortgage Broker · Viva Finance
Regulated by the Bank of Spain
Registration Nº E551 · Professional mortgage guidance for buyers in Spain.
Spanish Mortgage & Property Plan
Answer 4 quick questions to see your estimated mortgage, deposit, buying costs and document checklist.
Select all fields to see your personalised mortgage snapshot.
Personalised overview
Book a free review
Your mortgage snapshot
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01
Mortgage expectations
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02
Your document plan
03
Regional buying costs
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Estimated property tax
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Costs are indicative and depend on property type, region, price brackets and buyer profile.
04
How Viva Finance helps
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Get a free mortgage review
Want a detailed affordability check?
Use our full Spanish Mortgage Pre-Assessment Tool for DTI, term, fixed/variable payment examples and a more complete scenario.
Open full pre-assessment tool
Free mortgage assessment
Find out your Spanish mortgage options.
Complete the form and schedule a call. We’ll review your situation and explain what may be possible based on your profile.
No upfront fees for the initial assessment.
Clear advice in English.
Mortgage options from Spanish lenders.
Confidential, no-obligation enquiry.
Get your free mortgage assessment
Complete the form and choose a time for your call.
Residency status
Property price
Borrow amount
Location in Spain
Privacy:
Your information is confidential. We’ll use it only to schedule your call and discuss your mortgage enquiry.
Non-resident mortgage essentials
What can a non-resident get — and what documents are needed?
This short video explains the key points for non-resident buyers in Spain: how much finance may be available, typical mortgage terms and the basic documents banks usually request.
Non-residents usually obtain around 60% finance, with up to 70% possible for strong profiles.
Mortgage terms are commonly around 20 years, although some lenders may go up to 25 years.
Documentation depends on your income type, nationality, country of residence and the currency you earn in.
Quick, specific and practical. Learn what Spanish banks may offer to non-resident buyers and what documents to prepare before applying.
What you get
A calmer, clearer way to secure your Spanish mortgage.
Designed for international buyers who want clarity before making important decisions.
01
Know your real budget
Understand what may be possible before making an offer on a property.
02
Compare lenders properly
Look beyond the headline rate and understand the conditions, costs and practical differences.
03
Move with support
Get help with bank communication, documentation, valuation follow-up and completion.
How it works
From first conversation to mortgage completion.
Step 01
Free assessment
Share your plans, residency status, income and expected property price.
Step 02
Profile review
We review your situation and identify suitable Spanish lenders.
Step 03
Clear options
You receive mortgage options explained in English.
Step 04
Completion support
We help coordinate the process through to the final signing.
Lender access
Access to Spain’s leading mortgage lenders.
We work with a wide panel of trusted Spanish and international banks.
Ready to understand your mortgage options in Spain?
Complete the form and choose a convenient time for your call. We’ll help you understand what may be possible before you move forward.
Get My Free Mortgage Assessment
Free mortgage assessment
No upfront fees. Clear advice in English.
Schedule a Call
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