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

Mijas is unusual: one town hall, two buyer profiles. Mijas Pueblo is the postcard Andalusian village — cobbled lanes, donkey taxis, and townhouses with coast views — attracting buyers who want character, slower evenings, and a sense of place rather than a resort strip. Down on the coast, Mijas Costa and especially La Cala de Mijas deliver beaches, golf, and modern apartments for families and second-home owners who prioritise sand and sea over hillside charm.

Those differences matter for mortgages. Pueblo properties may involve older construction, terrace extensions, or steep access that valuers scrutinise. La Cala stock is often newer urbanisations. Whether you are a non-resident buyer or an expat who already calls Mijas home, we find the ideal loan structure, including expat resident mortgages. We route your file to banks experienced with the specific Mijas micro-market you are targeting — not a one-size-fits-all Costa del Sol template.

La Cala de Mijas beach and promenade — coastal Mijas popular with international families

Why buyers choose us in Mijas

Pueblo village house or La Cala apartment — we treat them as separate financing cases, because Spanish banks do too.

Contrast of Mijas Pueblo hillside village and Mijas Costa coastline on the Costa del Sol

Mijas Pueblo specialists — village townhouses and cortijos need clean escrituras and realistic tasaciones. We work with valuers and lenders who understand hillside Mijas stock, not only beachfront towers.

La Cala & Mijas Costa — golf-side and beach urbanisations follow familiar bank playbooks. We secure competitive terms for apartments and townhouses in Calahonda, La Cala, and Riviera del Sol corridors.

Family & lifestyle buyers — La Cala attracts school-term visitors and long summer stays; Pueblo draws couples seeking authenticity. We tailor affordability explanations to how you will actually use the property.

English throughout — agents, lawyers, and bank queries handled in one language. You compare Pueblo versus Costa options with clear numbers before choosing where to make an offer.

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.

Mijas mortgage questions

Is it harder to get a mortgage in Mijas Pueblo than on Mijas Costa?

Often yes, for practical reasons rather than policy. Mijas Pueblo homes can be older, on steep plots, or have terrace modifications that trigger extra valuation checks. La Cala de Mijas apartments in registered communities are usually straightforward. Both can reach 70% LTV for qualifying non-residents — the difference is which bank and how long approval takes. We advise on the property type before you reserve.

Can I finance a villa in Mijas as a non-resident?

Villas in Mijas Costa, Calahonda, and the hills between Pueblo and the coast are financeable if the tasación supports the price and the property is fully legal. Very bespoke or unfinished builds are harder. Share the listing early — we will say honestly whether villa financing is realistic for your income and the specific urbanisation.

Should I decide between Pueblo and La Cala before applying for a mortgage?

You can run a free mortgage study with a budget range before choosing a micro-area. But once you make an offer, the file is tied to that property's valuation and community. Pueblo and Costa are different collateral classes — we recommend narrowing your search before paying deposits, even within the same municipality.