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

Málaga city has become a destination in its own right — not just a gateway to the Costa del Sol. International buyers are choosing renovated flats in the Soho creative district, family townhouses in El Limonar, seafront living in Pedregalejo, and modern developments in Málaga Este for year-round urban life, university links, and strong rental demand. Financing here often looks different from a holiday apartment in Marbella: banks assess city centre valuations, community fees, and whether you plan habitual residence or investment.

Our office is on Alejandro Dumas street in Málaga — we advise local and international clients daily on resident and non-resident mortgages across the capital. Whether you are relocating for work, buying a pied-à-terre near the port, or investing in a refurbished building near the centre, we present your file to lenders who understand urban Málaga stock. We work with clients buying from abroad as well as expats who already live in Málaga as tax residents and qualify for resident mortgages.

Renovated buildings in Málaga Soho district — urban properties financed by international buyers

Why buyers choose us in Málaga

City purchases need a broker who understands Málaga's mix of habitual residence, rental investment, and non-resident buyers.

Pedregalejo seafront restaurants and apartments in Málaga — year-round urban living on the Costa del Sol

Local office, local knowledge — we are based in Málaga capital, not a call centre on another coast. We know how banks treat apartments in Soho, Limonar period buildings, and newer stock in Málaga Este.

Resident & non-resident routes — relocating to Málaga? You may qualify for resident terms (up to 80% LTV) once tax-resident. We advise on timing so you do not apply under the wrong category.

Urban investment & rental demand — Málaga's rental market supports buy-to-let cases when the bank sees credible yields. We frame investment purchases in Pedregalejo or near the centre for underwriters who accept non-resident landlords.

Walk-in appointments available — meet us at our Málaga office to review documents, timelines, and neighbourhood-specific considerations before you make an offer on a property.

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.

Málaga mortgage questions

How does buying in Málaga city differ from the Costa del Sol coastal towns?

City properties in Soho, the historic centre, or El Limonar are valued differently from resort apartments in Marbella or Estepona. Banks may be more comfortable with habitual-residence cases in Málaga and stricter on short-term rental projections. Deposits, community charges, and appraisal values reflect urban stock — not holiday-home stereotypes. We tailor your application to the property type and your residency plans.

Can I get a mortgage for an apartment in Málaga Este or Soho as a non-resident?

Yes, provided you meet non-resident criteria — stable income, NIE, and typically a 30–40% deposit plus purchase costs. Modern builds in Málaga Este and refurbished units near Soho are financeable with the right lender. Some banks prefer newer construction with clear community statutes; we match your property to institutions that regularly approve city centre files.

Is Málaga a good choice for year-round living with a Spanish mortgage?

For many international families and remote workers, yes. Neighbourhoods like Pedregalejo and El Limonar offer genuine year-round communities, schools, and amenities — not seasonal resort life. If you become tax-resident, financing terms often improve. We help you plan whether to apply as non-resident now or wait until your residency status changes.