Initial Enquiry

We're very sorry but due to the fact the mortgage borrowing is more than 80% of the property price, we are not able to help you at this time. The maximum mortgage for a non-resident is 70% or 80% if you are a Spanish fiscal resident (i.e., you pay your income tax and social security payments in Spain). If you are a non-resident, please change your details to ensure the mortgage amount is not more than 70% of the price. Please note, you will also need around 10-13% of the price to cover the fees and taxes. By signing up for our newsletter, you will be the first to know if there are any changes to the eligibility criteria in Spain.

Unfortunately, with many of the banks that we work with, the minimum loan size is €50,000. This means the minimum property price needs to be around €80,000. In this example, you will need to prove around €37,000 in total to cover the deposit plus around 10-13% of the property price for the fees and taxes.