Name: Hipoteca 100 Málaga — Estepona
Address: C. Alejandro Dumas, 17, Carretera de Cádiz, Málaga, Málaga, 29004, ES
Telephone: +34 617 91 75 48
Price range: Free mortgage study

Estepona sits between Marbella's glamour and the quieter eastern Costa del Sol — and that balance shows in its property market. Buyers fall for the flower-filled streets of Estepona centro, golf and sea views along the New Golden Mile (the coastal stretch toward Guadalmansa and El Paraíso), and family-friendly urbanisations in Selwo with newer builds and marina access. Prices are often more approachable than central Marbella, but financing rules for non-residents are the same: typically up to 70% LTV, solid deposit, and proof of income from your home country.

We help international clients finance both traditional town-centre apartments and off-plan or recently completed homes in Selwo and the New Golden Mile. Banks can be cautious with brand-new developments or properties still settling community statutes — we know which lenders are pragmatic. Whether you are buying a second home from overseas or are an expat already residing in Estepona looking for resident mortgage terms, we negotiate the best offers.

Colourful streets and squares in Estepona old town — popular with second-home buyers on the Costa del Sol

Why buyers choose us in Estepona

Estepona buyers often want lifestyle and value — your broker should understand both resale charm and newer coastal developments.

Coastal developments on the New Golden Mile between Estepona and Guadalmansa

Second-home & family buyers — Estepona draws couples and families seeking a permanent or long-season base, not only short holiday lets. We structure applications for lifestyle purchases in centro and residential zones east of the marina.

New Golden Mile & new-build expertise — properties between Estepona and Guadalmansa often involve developer paperwork and staged payments. We coordinate with banks that finance recent completions and off-plan milestones without last-minute surprises.

Value vs Marbella — realistic LTV — lower ticket prices in Selwo or town centre do not mean easier lending. We set expectations on appraisal, deposit, and costs so your budget matches what banks will approve, not just the listing price.

Completion timelines — Estepona sales can move fast on desirable centro flats. We keep valuation and bank approval aligned with your arras deadline so you do not lose a reservation waiting for finance.

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.

Estepona mortgage questions

Is Estepona a good area for a non-resident mortgage application?

Yes — Estepona is a well-established market for international second-home buyers, and Spanish banks regularly finance non-residents buying in centro, on the seafront, and in urbanisations such as Selwo. The key is matching your property type and income profile with a lender comfortable on the western Costa del Sol. We handle non-resident files here every month; approval depends on your finances, not the town itself.

How does the New Golden Mile compare to Marbella for mortgage approval?

The New Golden Mile — roughly Estepona west toward Guadalmansa — offers newer apartments and villas at lower price points than Marbella's Golden Mile, but banks still cap non-resident LTV around 70% and rely on independent valuations. Some lenders prefer newer builds with clear community documentation; others are cautious on off-plan phases. We shortlist banks based on the exact development you are buying, not generic Costa del Sol rules.

Can I finance a property in Selwo or Estepona town centre from abroad?

In most cases you can complete the mortgage study and document submission from your home country. A physical valuation and notary signing will be required in Spain, but many clients only travel once. Whether you are buying a walkable centro apartment or a family home near Selwo, we coordinate remotely and keep your agent informed of bank progress.