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

Marbella attracts one of the highest concentrations of international property buyers on the Costa del Sol — from front-line apartments near Puerto Banús and villas on the Golden Mile, to golf-side homes in Nueva Andalucía and gated estates in Sierra Blanca. Price points and property types vary enormously between these areas, and so do bank attitudes to valuation, LTV, and foreign income. A mortgage broker who knows Marbella's micro-markets can save you weeks of chasing lenders that will never approve your profile.

We are based in Málaga and work with buyers targeting Marbella every week — often before they have flown in for viewings. Whether you are purchasing a secondary residence, a buy-to-let near the marina, or a family home with sea views, we match your nationality and income structure with banks that actively lend to non-residents in western Costa del Sol premium locations. Most of the process can be handled remotely until the notary appointment. Already living here? We also support foreign residents who have moved to Marbella under our resident mortgage guide.

Luxury apartments and yachts at Puerto Banús marina, Marbella — popular area for non-resident buyers

Why buyers choose us in Marbella

Marbella's buyer profile is unlike anywhere else on the coast — your mortgage strategy should reflect that.

Golf and residential properties in Nueva Andalucía, Marbella — popular with international mortgage buyers

International buyer expertise — we regularly finance purchases for UK, Nordic, German, and Middle Eastern clients in Marbella's premium postcodes, where banks scrutinise valuations and income sources more closely.

High-value property experience — villas in Sierra Blanca and front-line Golden Mile homes often need specific lenders; we know which banks are comfortable with seven-figure appraisals and luxury urbanisations.

Foreign income & self-employment — many Marbella buyers earn outside Spain. We work with lenders that accept foreign payslips, dividends, and company accounts without rejecting the file on day one.

Remote process until signing — reserve in Nueva Andalucía or Puerto Banús, submit documents from home, and travel to Spain mainly for the notary — we coordinate valuations and bank timelines around your schedule.

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.

Marbella mortgage questions

Can foreigners get a mortgage to buy in Puerto Banús or the Golden Mile?

Yes — non-residents regularly finance apartments and villas in Puerto Banús, the Golden Mile, and nearby areas, typically up to 70% LTV subject to appraisal and income checks. Banks will value conservatively on front-line and luxury stock, so your deposit may need to be higher than the legal minimum. We identify lenders comfortable with marina-side and high-end Marbella collateral before you pay reservation fees.

Do Marbella property prices affect how much I can borrow as a non-resident?

Absolutely. Your loan is based on the bank's tasación (appraisal), not the asking price. In Marbella, gaps between listing price and appraised value are common on premium properties — especially in Sierra Blanca or bespoke villas. That can mean you need a larger deposit than you expected. We run realistic numbers early so you know what banks will actually lend before you commit.

Can I apply for a Marbella mortgage from abroad before visiting?

In most cases, yes. You can start the study, shortlist properties in areas like Nueva Andalucía, and submit income documentation remotely. A valuation and notary signing will require coordination in Spain, but many clients only travel for the final appointment. We work with your estate agent's timeline so finance is ready when you find the right home.