Spanish Mortgage Calculator for Non-Residents

This mortgage calculator for non-residents in Spain gives you a quick, ballpark figure for how much you might borrow and what your monthly payment could look like — whether you are a non-resident buyer or already tax-resident in Spain. It applies standard loan-to-value limits (70% for non-residents, 80% for residents), uses French-style amortisation for the monthly instalment, and adds a realistic range for purchase costs on top of the deposit (typically 10–13% of the property price for taxes, notary fees, land registry and gestoría).

What it does not take into account is your real credit profile: nationality, type and currency of income, employment status, existing debts, the bank's appraisal of the property, or whether you qualify for linked products. Those factors can shift your actual offer up or down significantly. Treat this as a starting point only — not a quote, not an approval, and not financial advice.

For a figure you can actually plan around, request our free, no-obligation mortgage study. Our English-speaking advisors review your situation against live criteria from Spanish banks that lend to international buyers and come back within 24 hours with personalised numbers. For the resident process, see our foreign resident guide, or for the non-resident process see our complete non-resident mortgage guide. For NIE, paperwork and buying costs, browse our mortgage & property blog.