Mortgages and Finance for Property Buyers in Spain
Can foreigners get mortgages? When are payments due? How much deposit is needed? All your finance questions answered.
All Mortgages and Finance Questions(2)
Can Foreigners Get a Mortgage in Spain?
Yes, foreigners can get a mortgage in Spain. Non-resident buyers can typically borrow 60% to 70% of the property purchase price or valuation from Spanish banks.
Can non-residents get a mortgage in Spain?
Yes. Non-resident foreign buyers can obtain a Spanish mortgage, typically up to 60–70% LTV. Major Spanish banks including Banco Sabadell, CaixaBank, BBVA, and Santander all offer non-resident mortgage products. You will need a NIE number, a Spanish bank account, and to pass the bank's income stress test.
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