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

Nerja feels different from the western Costa del Sol. An hour east of Málaga capital, it keeps a village scale: the Balcón de Europa, tapas bars in the old town, and coves below rather than a continuous high-rise strip. Burriana beach is the main sandy stretch for families; uphill, communities like Capistrano offer whitewashed villas with sea glimpses for buyers who want privacy without losing walkability to the centre.

Buyers here often reject "mass tourism" Marbella in favour of tranquillity and authenticity — retirees, remote workers, and second-home owners from northern Europe who accept a longer drive to the airport. Non-resident mortgages apply the same national rules: up to 70% LTV, foreign income documentation, and a deposit covering taxes and fees. We support holiday home buyers in Nerja as well as established foreign residents who want to utilize local tax status for a resident mortgage. We work with banks that finance eastern Axarquía stock, not only western luxury markets.

Burriana beach Nerja — sandy cove on the eastern Costa del Sol

Why buyers choose us in Nerja

Nerja attracts a thoughtful buyer — we match that with lenders who understand Axarquía villages, not only marquee resort addresses.

Capistrano village above Nerja — whitewashed homes with Mediterranean views

Character over flash — Nerja buyers want a home they will use for years, not a flip. We explain long-term mortgage costs, community fees, and realistic rental expectations without overselling yield.

Old town, Burriana & Capistrano — each neighbourhood has different access, parking, and legal histories. We align documentation with the property type before your offer goes firm.

Eastern Costa expertise — fewer brokers specialise in Axarquía than Marbella. We place Nerja files with lenders who actually finance east of Málaga, avoiding western-only panels that decline by postcode.

Plan visits around signing — Nerja is further from the airport, so we batch valuation and notary into efficient trips. Most paperwork still completes from your home country before you fly.

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.

Nerja mortgage questions

Can non-residents get a mortgage in Nerja?

Yes — international buyers purchase regularly in Nerja centre, Burriana, and Capistrano. Spanish banks offer up to 70% LTV for qualifying non-residents, subject to appraisal and income proof. Eastern Axarquía is a smaller market than Marbella, so choosing a broker with lenders active in Nerja matters.

Is Nerja more affordable than Marbella for foreign buyers?

Generally yes at comparable sizes — you often get more village character per euro than on Marbella's front line. That can mean a lower total deposit, but you still need funds for ITP or VAT, notary, and registry on top of the bank's minimum down payment. Cliff-side or older town centre properties may also need extra legal review before approval.

Does living in Nerja mean a longer mortgage process because it is far from Málaga?

Distance does not change bank rules, but valuers and notaries cover the east on scheduled routes — planning matters. We build timelines assuming you may make fewer trips than a Fuengirola buyer. Most document submission is remote; you travel mainly for viewing, valuation, and signing.