Right bank, first time — we match your nationality and income to lenders that say yes, comparing offers without bank-hopping.
Free Mortgage Study — No Obligation
Mortgage for Foreigners in Spain — Sorted, Even From Abroad
Looking for a mortgage for foreigners in Spain? We help non-residents buying on the Costa del Sol secure up to 70% financing with direct agreements at major Spanish banks. English-speaking advisors. Zero paperwork headaches.
- Up to 70% financing for non-residents
- 20+ years of Spanish banking experience
- Direct agreements with Spanish banks
- English, French & German speaking team
- Bank of Spain Registered Reg. 218/2018
Talk to Us If...
- Your bank in Spain rejected your mortgage application
- You don't have time to negotiate with Spanish banks yourself
- You need someone to manage the paperwork and translations for you
- You're not sure how much you can actually borrow as a non-resident
- The conditions you've been offered feel unfair or unclear
- You don't speak Spanish and want a team that speaks your language
- You're buying remotely and can't be in Spain for every step
Why Foreign Buyers Choose a Broker Instead of Going Bank-to-Bank
Paperwork sorted — translations, formatting, and the extra docs non-residents need, handled for you.
Foreign income welcome — banks that accept non-euro salaries, overseas tax returns, and self-employed income abroad.
Fully remote — stricter non-resident rules, but the whole process until notary signing can run from abroad.
Mortgage Solutions for Every Type of International Buyer
Whether you live outside Spain, are moving your residency, earn abroad, or already have a mortgage to review — we have a structured approach for your profile.
Non-Resident Mortgages
Financing for buyers who live outside Spain and want a holiday home or investment property. Typically up to 70% of the property value.
Learn more →
Expat Resident Mortgages
For foreigners who are tax residents in Spain — closer to standard Spanish resident conditions, up to 80% financing.
Learn more →
Mortgages for Remote / Foreign Income
We work with banks that accept foreign payslips, foreign tax returns, and self-employed / freelance income from abroad.
Learn more →
Refinancing & Bank Switching
Already have a Spanish mortgage? We can help you find better conditions and switch banks — see our guide on refinancing your Spanish mortgage.
Learn more →Read our non-resident guide Read our foreign resident guide Try our free mortgage calculator
What You Need to Know Before You Apply
| Maximum financing | Typically up to 70% of the property's appraised value |
|---|---|
| Down payment required | Usually 30–40% of the purchase price |
| Loan term | Up to 20–25 years, depending on age and bank |
| Required documents | Passport, NIE, proof of income, tax returns, bank statements |
| NIE required? | Yes — mandatory to purchase property in Spain |
| Do I need to speak Spanish? | No — we handle everything in English on your behalf |
| Can I apply from abroad? | Yes — the full process can be managed remotely until signing |
Conditions vary by residency status (up to 80% LTV for residents vs 70% for non-residents — see our foreign resident guide). Figures shown are indicative — request your free personalized study for exact terms.
How to Get Your Mortgage in 4 Simple Steps
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1
Get in Touch
Contact our team by phone, WhatsApp, or the form below. We'll ask a few quick questions to understand your situation.
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2
Send Your Documents
Share your ID/passport, proof of income, and basic financial information. We'll tell you exactly what's needed for your case.
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3
We Negotiate for You
We present your case to multiple Spanish banks and come back with the best offer — explaining every condition clearly, in English.
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4
Sign With Confidence
We coordinate the notary appointment and support you right through to the signature, wherever you're joining from.
Costa del Sol Coverage
Serving the Entire Costa del Sol
From Nerja to Estepona — and everywhere in between
Nerja
Málaga
Torremolinos
Benalmádena
Mijas
Fuengirola
Marbella
Benahavís
Estepona
Who & Where We Help
Local Costa del Sol mortgage expertise for international buyers — tailored to your area, nationality, and income documentation.
Areas we cover
Marbella
Golden Mile & Puerto Banús
Benahavís
La Zagaleta & El Madroñal
Málaga
Capital, Soho & Málaga Este
Torremolinos
La Carihuela & Playamar
Estepona
Old town & New Golden Mile
Fuengirola
Los Boliches & paseo marítimo
Benalmádena
Costa, Pueblo & Puerto Marina
Mijas
Pueblo & La Cala de Mijas
Nerja
Old town & Burriana beach
We Work With Spain's Leading Banks
Thanks to our official registration with the Bank of Spain and our high volume of transactions, we have established exclusive partnership agreements with Spain's leading banks. This allows us to negotiate directly with underwriting directors to secure special financing conditions, lower interest rates, and preferential terms that are not accessible to the general public.
What Our Clients Say
"Every bank we approached in the UK said this would be impossible without living in Spain. The team found us a 70% mortgage in under 6 weeks, and we never had to leave home for most of the process."
"I was worried about my foreign income being a problem. They matched me with a bank that accepted my German tax returns without any issue — and explained everything in English, step by step."
"I didn't speak Spanish and had no idea where to start. They handled the translations, the paperwork, and even coordinated the notary appointment for me."
Frequently Asked Questions
Can foreigners get a mortgage in Spain?
Yes. Spanish banks actively lend to foreign buyers, both residents and non-residents. Conditions differ from those offered to Spanish residents, but financing is very much available — we work with banks that specialize in exactly this.
How much can I borrow as a non-resident?
Most non-resident buyers can access up to 70% of the property's appraised value, meaning a down payment of around 30–40% is required. The exact percentage depends on your income, nationality, and financial profile.
Do I need a NIE to buy property in Spain?
Yes, the NIE (Foreigner Identification Number) is mandatory for any property purchase in Spain. If you don't have one yet, we can guide you through getting it.
Can I apply for a mortgage without being in Spain?
Yes. The vast majority of the process — document submission, bank negotiation, offer comparison — can be handled remotely. Most buyers only need to travel to Spain for the notary signing.
What documents will I need?
Typically: passport, NIE, proof of income (payslips or tax returns), recent bank statements, and proof of your down payment funds. We'll confirm the exact list for your specific case.
Ready to Talk to a Real Advisor?
Tell us a little about your situation and we'll get back to you within 24 hours — in English.