Can you get a Spanish mortgage?

Sola, our mortgage assessor, works it out with you in a short chat: how much you can borrow, your monthly payment and how much of your own money you need.

Instant resultYou see your result on screen straight away, and also get it as a PDF by email.
About 3 minutesAround 12 short questions, in a chat with Sola.
Have this to handNet monthly income, housing costs, loans, own funds and (if you know it) the purchase price.
Spanish bank rulesCalculated the way Spanish banks do it, for residents and non-residents.

Sola

Your mortgage assessor

How Sola calculates

Financing: Non-residents up to 70% of the price, residents moving there up to 80%, investments up to 60%.
Housing ratio: All housing costs and fixed commitments together at most 35% of your net income, including those at home.
Term: Up to 25 years (residents 30), paid off before your 75th birthday.
Purchase costs: Tax (ITP or IVA + AJD) and about 2% notary and registration, always from your own funds.

The actual application We arrange your mortgage application with the Spanish banks: 1% of the mortgage amount, minimum €1,500 (excl. VAT).

We apply for mortgages with banks including

A mortgage in Spain is arranged with a Spanish bank. We know the conditions of these banks and submit your complete application.