Mortgage in Spain for non residents: wooden house, keys and mortgage documents

Mortgages in Spain for Non-Residents and International Buyers

Looking for a mortgage in Spain for non residents? Viva Finance helps international buyers compare Spanish banks, understand realistic financing limits and prepare the right documents before purchasing a property.

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Up to 70% LTV For many non-resident buyers

Up to 80% LTV For eligible Spanish tax residents

Income & debts Profile, documents and lender criteria

Illustration showing progress and support throughout the Spanish mortgage process

Independent Spanish mortgage broker Guidance from first review to mortgage approval and notary coordination.

FINANCING IN SPAIN · RESIDENT & NON-RESIDENT

Mortgage in Spain for non residents: financing, deposits and requirements

A mortgage in Spain for non residents normally requires a larger deposit and careful assessment of overseas income and credit history. Compare how Spanish lenders typically assess non-resident and resident borrowers — then explore a simple financing example below.

PUT THE NUMBERS INTO PERSPECTIVE

How much could a Spanish bank finance?

Choose your situation and adjust the purchase price. See how a typical loan-to-value limit changes the mortgage amount and the deposit needed.

Illustrative property purchase price€400,000

€100,000€1,500,000

Indicative mortgage amount €280,000 Assuming 70% financing

Deposit towards the purchase price €120,000 30% of the purchase price

Buying costs In addition Taxes, legal costs, valuation and other applicable fees depend on the property and location.

Bank financing Buyer deposit

Important: These are illustrations based on typical upper financing ranges, not loan offers or eligibility decisions. Actual LTV may be lower, and lenders may calculate it using the lower of the purchase price and their accepted valuation. Your income, debts, age, term and documents also determine borrowing capacity. Taxes and purchase costs are not included in the deposit figures.

Calculate repayments & buying costs Read our step-by-step mortgage guide

MORTGAGE RATE GUIDE · COMPARE YOUR OPTIONS

Which mortgage rate is right for you?

Explore how fixed, mixed and variable rates behave over time. Compare their benefits and risks before discussing available offers with a Spanish lender.

PREDICTABLE

Fixed rate

Stable monthly payments for the full mortgage term.

StartSTEADY THROUGHOUTEnd of term

Payment stability Highest

Main advantage Certainty and easier planning

Consideration May start higher than other structures

Often preferred by buyers who want predictable payments and long-term peace of mind.

Explore Fixed throughout the term

TWO PHASES

Mixed rate

A fixed period first, then a variable rate later.

StartFIXED → VARIABLEEnd of term

Payment stability Strong at the beginning

Main advantage Balance between security and flexibility

Consideration The rate can change after the fixed period

Often a practical option for buyers who want initial stability without committing to a full-term fixed rate.

Explore Fixed first, variable later

RATE SENSITIVE

Variable rate

Payments move with Euribor and market conditions.

StartMOVES WITH EURIBOREnd of term

Payment stability Lowest

Main advantage Potential benefit if rates fall

Consideration Monthly payments can rise

Usually better suited to buyers comfortable with interest-rate movement and future payment changes.

Explore Variable throughout the term

SELECTED MORTGAGE TYPE

Fixed throughout the term

A fixed rate keeps the interest rate unchanged during the agreed term. Repayments are generally predictable, provided the loan terms are met.

Estimate repayments

Important for non-resident buyers: the mortgage type is only one part of the decision. Spanish banks will also review your income, country of residence, credit profile, savings, documentation and the property valuation.

For additional independent guidance, consult the Banco de España's guidance on taking out a mortgage and its explanation of fixed, variable and mixed mortgage rates.

Documents needed for a mortgage in Spain for non residents

If you are applying for a mortgage in Spain as a non-resident, the bank will usually need evidence of your income and liabilities outside Spain. Requirements vary by lender, but preparing the basics early can prevent avoidable delays.