Spanish Mortgage Pre-Assessment Tool
Estimate mortgage amount, deposit, purchase costs, monthly payments and document checklist.
Spain = tax resident. Any other country = non-resident buyer.
Optional. If empty, the tool uses the typical maximum. Non-residents max 70%; residents max 80%.
Banks usually require the mortgage to finish by age 75.
Non-resident estimates are capped at 30 years. In practice, 20–25 years is more common.
Mortgage rate assumptions
Add example rates to test the monthly payment. If empty, the tool uses default example assumptions.
Final pricing depends on the bank, LTV, profile, income currency, linked products and underwriting.
Your mortgage profile
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Mortgage overview
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Purchase cost breakdown
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Fixed-rate example
“Total mortgage payments over term” means monthly payment × full mortgage term. “Estimated interest over term” means total payments minus the original loan amount. It excludes taxes, purchase costs, insurance and bank fees.
Spanish residential mortgages usually allow partial or full early repayment. In many cases, legal caps on compensation make future overpayments or early cancellation an important planning advantage.
Variable-rate example
Variable-rate examples are indicative and can change with Euribor movements.
How banks may view your profile
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Regional purchase note
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Your document plan
What is CIRBE?
CIRBE is the Bank of Spain’s central credit register. Spanish lenders may use it to verify existing loans, credits and guarantees in Spain.
What is a home-country credit report?
A home-country credit report is usually issued by a recognised credit bureau such as Experian, Equifax, TransUnion or Credit Karma. It helps Spanish lenders understand your credit commitments outside Spain.
What happens after this estimate?
This snapshot is a starting point. The next step is to review your real income, debts and documents before approaching Spanish lenders.
Book a free mortgage reviewThis tool provides an indicative estimate only. It is not a mortgage offer, financial advice or guarantee of approval. Final lending depends on bank policy, income verification, valuation, credit profile, tax residency status and underwriting.