Over 320 sunny days a year and a microclimate protected by the Sierra Blanca mountain range, offering warm winters and mild summers.
Costa del Sol Region
Mortgage Broker for the Costa del Sol
Expert mortgage assistance for international buyers across Málaga province and the sun-drenched Andalusian coast. Up to 70% non-resident and 80% resident financing.
Get your free mortgage study
The Costa del Sol is one of Europe's most famous and sought-after property markets. Located in the southern autonomous community of Andalucía, Spain, and covering the entire coastal stretch of the Málaga province, it reaches from Estepona and Manilva in the west to Nerja in the east.
This region's unique geographical profile, combined with its high property values, has made it a prime destination for international buyers. Because Spanish banks apply distinct underwriting criteria to foreign income and non-resident status, navigating the loan application process requires specialized knowledge. A local mortgage broker on the Costa del Sol acts as your intermediary, preparing your file in the format underwriters expect and negotiating directly with top banks to secure the best rates.
Whether you are purchasing a holiday home in Marbella, relocating permanently to Málaga city, or buying an investment property in Estepona, we have a structured approach to match your fiscal profile to the right Spanish lender.
Explore mortgage options by town
We provide dedicated local mortgage assistance in every major town and municipality along the Costa del Sol. Select your location to see specific market conditions:
Marbella
Luxury villas and apartments in Puerto Banús, the Golden Mile, and Nueva Andalucía.
San Pedro de Alcántara
Traditional Andalusian charm meets modern beachfront residential communities.
Málaga
Thriving capital city lifestyle in Soho, El Limonar, and Málaga Este.
Torremolinos
Beachfront properties in La Carihuela, Playamar, and classic coastal areas.
Estepona
Modern apartments and garden complexes in the old town and the New Golden Mile.
Fuengirola
Seafront flats in Los Boliches, Torreblanca, and central tourist areas.
Benalmádena
Hillside villas in Benalmádena Pueblo and sea-view apartments in Puerto Marina.
Mijas
Golf valley properties in Mijas Golf, La Cala, and historic Mijas Pueblo.
Nerja
Eastern Costa del Sol homes near Burriana Beach and the Balcón de Europa.
Why the Costa del Sol attracts international buyers
The combination of infrastructure, lifestyle, and investment potential makes this coastline Spain's leading expat destination:
Established international community, with top-tier international schools, English-speaking medical centers, and professional service networks.
Exceptional global connectivity via Málaga-Costa del Sol Airport (AGP), providing year-round direct flights to key European, Middle Eastern, and North American hubs.
Diverse lifestyle profiles, ranging from luxury golf resorts and beachside clubs to historic city centers and quiet mountain villages.
How much can you borrow?
Figures vary by bank, nationality, and profile, but these are the benchmarks we see most often for non-resident mortgage Spain applications:
Up to 70%
Maximum loan-to-value (LTV)
Typically up to 70% of the property's appraised value
30–40%
Down payment required
Usually 30–40% of the purchase price, plus purchase costs
20–25 yrs
Loan term
Up to 20–25 years, depending on your age and the bank
Yes
Remote application
Yes — most of the process can be managed from abroad until notary signing
These figures are indicative only. Your exact terms depend on the property, your financial profile, and the bank. Request a free personalised study for numbers tailored to your case.
Understand your mortgage scenario
Lending rules in Spain depend heavily on whether you pay your taxes in Spain or abroad. Both situations are highly common on the Costa del Sol:
1. You are a Non-Resident Buyer
If you live outside of Spain and wish to purchase a holiday home or a rental investment property, you qualify for a non-resident mortgage. Most Spanish banks will finance up to 70% of the property's purchase price or appraisal value (whichever is lower). You will need to cover a 30% deposit plus approximately 10% to 12% in purchase taxes and notary fees using your own cash. For a full breakdown of requirements, see our non-resident mortgage Spain guide.
2. You are a Tax Resident Expat
If you reside in Spain for more than 183 days a year, earn locally, or file tax returns here, you qualify for resident lending. Banks regularly offer up to 80% financing for resident purchases, with longer loan terms and lower baseline interest rates. To explore these options, read our guide on expat resident mortgages in Spain.
Ready to finance your property in Costa del Sol? Request a free mortgage study — or explore our non-resident mortgage guide and mortgage calculator first.