How to Get a Mortgage in Spain: Step-by-Step Approval Guide for Newcomers

Getting a mortgage in Spain as a foreigner is possible whether you already live in Spain or are buying from abroad. The difficult part is not simply finding a bank willing to lend. It is coordinating your income documents, available cash, NIE, property valuation, mortgage approval, FEIN, notary process and purchase contract in the correct order.

For most newcomers, the safest sequence is:

Check affordability → prepare financial documents → obtain preliminary bank assessment → find the property → protect the purchase contract → complete the valuation → obtain final mortgage approval → review FEIN and FiAE → complete the notarial transparency process → sign the mortgage and purchase deeds.

The order matters.

A buyer who signs a property deposit agreement before confirming realistic financing can put a substantial deposit at risk if the mortgage later fails.

This guide explains exactly how the Spanish mortgage process works.

For financing levels, resident versus non-resident lending and the wider market, start with our complete Mortgages for Foreigners in Spain guide.

Can a Foreigner Get a Mortgage in Spain?

Yes.

You do not need Spanish citizenship to obtain a mortgage from a Spanish bank.

Spanish lenders finance different types of international buyers, including:

• foreign residents living in Spain;
• non-residents buying a second home;
• employees earning income abroad;
• international executives;
• retirees receiving foreign pensions;
• self-employed professionals;
• business owners;
• remote workers;
• couples with income from different countries.

What matters is whether the bank is satisfied that you can repay the loan.

Your nationality may affect documentation and compliance checks, but the lender will normally look much more closely at factors such as:

• tax residence;
• income;
• employment stability;
• existing debt;
• savings;
• age;
• source of funds;
• currency of income;
• property value;
• property use;
• credit history.

Being legally allowed to buy a property and being approved for a mortgage are two separate questions.

How to Get a Mortgage in Spain: The Process at a Glance

Stage	What happens
1. Financial assessment	Determine realistic purchase budget and cash requirement
2. Document preparation	Prepare income, tax, debt, savings and identity documents
3. Preliminary lender review	Bank assesses whether your profile may qualify
4. Property selection	Find the home and review purchase conditions
5. Mortgage application	Submit full borrower and property documentation
6. Tasación	Approved appraiser values the property
7. Final underwriting	Bank verifies affordability, property and risk
8. FEIN and FiAE	Bank provides personalized mortgage conditions
9. Notary review	Borrower receives mandatory pre-signing advice
10. Completion	Purchase and mortgage are signed before the notary

The biggest mistake is treating Step 10 as the only important step.

Most mortgage problems are created much earlier.

Step 1: Work Out How Much You Can Really Afford

Do not begin with the maximum property price shown on a property portal.

Begin with your finances.

You need to know:

• your monthly net income;
• existing monthly debt payments;
• available savings;
• money required for purchase taxes and expenses;
• amount available for the deposit;
• emergency savings remaining after completion;
• likely mortgage payment.

Banks do not look only at the property.

They assess whether your income can sustainably support the debt.

Some lenders use affordability guidelines around 35% of regular net income for total debt commitments, although the exact calculation and acceptable ratio depend on the bank and borrower profile.

For example, if your household earns €5,000 net per month, the bank will not simply multiply that income by a fixed number.

It may examine:

Income − existing mortgage payments − car finance − personal loans − credit obligations − dependants − new mortgage payment

The stronger the remaining financial margin, the stronger the application tends to be.

Step 2: Calculate the Cash You Need Before Applying

A mortgage is only one part of the property budget.

International buyers must usually finance part of the purchase price themselves and separately pay the acquisition costs associated with purchasing the property.

For example, some Spanish lenders currently advertise financing of up to around 70% for certain international or second-home purchases, while qualifying primary-residence mortgages can sometimes reach around 80%.

These are not guaranteed limits.

Your bank may offer less.

Example

Imagine you want to buy a home for €300,000.

If a lender ultimately finances 70% of the amount on which it bases the mortgage:

• Potential mortgage: €210,000
• Buyer contribution toward price: €90,000
• Property purchase taxes and expenses: additional
• Mortgage valuation: additional
• Financial reserve: strongly recommended

But there is another complication:

the bank’s valuation may be lower than the purchase price.

That can substantially increase the cash you need.

Step 3: Prepare Your Mortgage Documents Early

International mortgage applications often take more preparation because a Spanish bank may need to understand financial records produced in another country.

Do not wait until you have found the perfect property.

Build your mortgage file first.

Identity Documents

The lender may request:

• passport;
• NIE;
• residence card or TIE where applicable;
• proof of address;
• tax-residence information;
• marital-status information where relevant.

An NIE number is normally important for completing a Spanish property purchase and related tax and registration procedures.

However, some lenders may begin assessing your financial profile before every Spanish administrative document has been completed.

Ask early.

Documents for Employees

An employed borrower may be asked for:

• employment contract;
• recent payslips;
• employer confirmation;
• employment history;
• latest tax return;
• bank statements;
• evidence of bonuses or commissions;
• details of existing debts.

Stable, easily verifiable income usually makes underwriting easier than irregular income.

Documents for Self-Employed Applicants

Self-employed borrowers should expect more detailed analysis.

The bank may request:

• personal tax returns;
• business tax returns;
• annual accounts;
• profit-and-loss statements;
• recent bank statements;
• invoices;
• client contracts;
• evidence of business ownership;
• accountant documentation;
• evidence of how long the business has operated.

A strong income figure alone may not be enough if the lender cannot establish that the income is sustainable.

Documents for Retirees

Retired buyers may need to provide:

• pension statements;
• tax returns;
• bank statements;
• investment statements;
• proof of other recurring income;
• evidence of existing liabilities.

Evidence of Savings

The bank will also want to understand where your deposit comes from.

Expect possible questions about:

• accumulated savings;
• investment sales;
• property sales;
• inheritance;
• business distributions;
• gifts;
• transfers between your own accounts.

A large unexplained transfer immediately before the purchase can create unnecessary compliance problems.

Step 4: Expect Source-of-Funds Checks

Spanish property purchases involve anti-money-laundering controls.

For an international buyer, proving that you possess €100,000 is not always enough.

You may also need to demonstrate how you obtained it.

Keep a clear paper trail.

For example:

salary → savings account → transfer to Spain

is much easier to document than:

multiple unexplained transfers → third-party account → cryptocurrency exchange → cash deposit → Spanish account

Complexity does not necessarily mean the funds are unacceptable.

It means you should be able to document the chain.

If a relative is providing part of the purchase funds, obtain advice before moving the money because a genuine gift can also have tax consequences.

Step 5: Get a Preliminary Mortgage Assessment Before Making an Offer

This is one of the most important improvements you can make to the buying process.

Approach potential lenders before committing to a property.

The bank may perform an initial assessment based on:

• income;
• employment;
• savings;
• debts;
• age;
• residence;
• property budget;
• proposed loan amount.

You may hear terms such as:

• pre-approval;
• pre-assessment;
• preliminary approval;
• agreement in principle;
• viability study.

Do not assume that any preliminary assessment is the same as a final mortgage approval.

Final approval can still depend on:

• the specific property;
• valuation;
• legal documentation;
• final underwriting;
• updated financial information;
• compliance checks.

A preliminary approval is therefore useful for planning but should not automatically be treated as an unconditional promise from the bank.

Step 6: Be Careful Before Signing a Contrato de Arras

Once you find a property, you may be asked to sign a reservation agreement or contrato de arras and pay a substantial deposit.

This can happen before the mortgage is fully approved.

That creates risk.

Depending on the contract, withdrawing because you cannot obtain financing may result in loss of the deposit.

Do not assume:

“If the bank refuses the mortgage, I automatically get my deposit back.”

That depends on what the contract actually says.

Before signing, make sure you understand:

• the deposit amount;
• the completion deadline;
• what happens if financing is refused;
• whether there is a mortgage-financing condition;
• which mortgage amount must be approved;
• whether one rejection is sufficient;
• what evidence of rejection is required;
• what happens if the valuation is too low.

Our guide to why Spanish property purchases can collapse before the notary signing explains why this stage deserves particular attention.

Step 7: Submit the Full Mortgage Application

Once there is a specific property, the lender can move from general borrower assessment to the actual transaction.

The bank may now review both:

The Borrower

Including:

• income;
• debts;
• savings;
• employment;
• tax returns;
• credit history;
• residency;
• age;
• currency exposure.

The Property

Including:

• purchase price;
• location;
• legal status;
• property type;
• Land Registry information;
• valuation;
• whether it will be a principal residence or second home.

A financially strong borrower does not guarantee approval if the property itself causes problems.

Step 8: Complete the Property Valuation — Tasación

A formal mortgage valuation in Spain is called a tasación.

This is not simply an estate agent’s opinion of what the property might sell for.

For mortgage purposes, the valuation must meet the applicable Spanish requirements and be carried out through an authorized appraisal framework.

The bank uses the valuation to assess the property securing the loan.

The borrower generally pays for this mortgage valuation.

A valid qualifying valuation commissioned by the customer can also be used when comparing lenders, subject to the applicable requirements and validity period.

Why the Valuation Can Change Your Mortgage

Imagine:

Purchase price: €300,000
Bank valuation: €270,000

If the lender applies 70% financing to the lower relevant value:

70% × €270,000 = €189,000

You would therefore need:

€300,000 − €189,000 = €111,000

toward the purchase price yourself, before adding purchase taxes and other acquisition expenses.

This is why a buyer who thinks “I have a 30% deposit” can suddenly discover that the available cash is insufficient.

Never assume the valuation will equal the agreed purchase price.

Step 9: The Bank Makes Its Final Underwriting Decision

After the property and borrower have been assessed, the lender decides whether it is willing to proceed.

Possible outcomes include:

• approval on the expected terms;
• approval for a smaller amount;
• requirement for a larger deposit;
• shorter mortgage term;
• different interest rate;
• requirement for additional documents;
• request for additional security;
• rejection.

Banks are not required to lend simply because your salary appears sufficient.

Mortgage approval is a risk decision.

That is why comparing lenders can matter substantially for foreign applicants.

One bank may reject a profile another lender is prepared to finance.

Resident vs Non-Resident: Does It Affect Approval?

Yes, but residency is only part of the assessment.

Non-resident borrowers often face more conservative financing because the lender may need to assess:

• foreign income;
• foreign tax returns;
• foreign credit history;
• exchange-rate risk;
• assets outside Spain;
• a second-home purchase rather than a principal residence.

Some lenders currently offer up to approximately 70% financing for qualifying international buyers.

A qualifying Spanish primary-residence borrower may sometimes obtain higher financing.

But do not treat 70% and 80% as universal Spanish mortgage laws.

They are lender policies and can change.

Our main mortgage guide for foreigners in Spain examines resident and non-resident financing in more detail.

Step 10: Compare the Mortgage Properly — Not Just the Headline Rate

A mortgage with the lowest advertised interest rate is not automatically the cheapest mortgage.

Compare:

• nominal interest rate;
• TAE/APR;
• fixed versus variable period;
• bank margin;
• mortgage term;
• early repayment conditions;
• arrangement fees where applicable;
• compulsory requirements;
• optional products;
• insurance costs;
• account costs;
• currency risk;
• total amount repayable.

TIN vs TAE

The TIN represents the nominal interest rate.

The TAE is designed to help show the broader effective cost of the mortgage by incorporating relevant costs according to the applicable calculation rules.

When comparing two offers, the TAE can therefore provide information that the headline interest rate alone does not.

Fixed, Variable or Mixed Mortgage?

Spanish lenders may offer several structures.

Fixed-Rate Mortgage

The agreed rate remains fixed according to the mortgage contract.

Advantages can include:

• predictable payments;
• easier budgeting;
• protection from future rate increases.

The trade-off is that the initial pricing may differ from variable alternatives.

Variable-Rate Mortgage

Variable mortgages are often based on a reference rate such as Euribor plus a lender margin.

For example:

Euribor + bank spread = mortgage rate

Your payment can therefore change when the reference rate changes.

Do not choose a variable mortgage based only on today’s payment.

Ask what happens to your budget if the rate rises.

Mixed Mortgage

A mixed mortgage usually combines:

initial fixed period → later variable period

This can produce an attractive initial offer, but you must understand the rate formula after the fixed period ends.

Income in Dollars, Pounds or Another Currency

Currency risk matters for many newcomers.

Imagine your mortgage payment is €1,500 per month, but your income is in Canadian dollars, US dollars or pounds.

If your home currency weakens against the euro, the mortgage effectively becomes more expensive for you even though the euro payment has not changed.

The bank may therefore examine:

• currency of salary;
• historical income stability;
• exchange-rate exposure;
• amount of available savings;
• currency of your assets.

Build your own stress test.

Ask:

Could I still comfortably pay this mortgage if my income currency weakened materially against the euro?

Step 11: Receive and Review the FEIN

Once the lender is ready to formalize the mortgage, one of the most important documents is the:

FEIN — Ficha Europea de Información Normalizada

It contains the personalized conditions of the proposed mortgage.

The FEIN is not something to skim five minutes before signing.

Review:

• mortgage amount;
• duration;
• interest rate;
• TAE;
• monthly payment;
• variable-rate formula where applicable;
• early repayment provisions;
• required products;
• consequences of non-payment;
• other material conditions.

Under Spain’s mortgage-credit transparency framework, the lender must provide the FEIN and other required pre-contractual documentation sufficiently in advance of signing; the general legal minimum is 10 calendar days before the mortgage is signed.

What Is the FiAE?

You should also receive the:

FiAE — Ficha de Advertencias Estandarizadas

This document highlights important mortgage risks and clauses that may require particular attention.

Depending on the loan, these can concern matters such as:

• variable interest;
• reference indices;
• early maturity;
• mortgage expenses;
• foreign-currency features;
• other significant contractual risks.

Think of the FEIN as the detailed personalized offer and the FiAE as a document drawing attention to important risk areas.

Read both.

Step 12: Complete the Mandatory Notary Stage

Spain’s mortgage process includes a specific pre-signing transparency stage before a notary.

The notary does not merely watch you sign the mortgage.

Before completion, the notary verifies that the required documentation was supplied and provides individualized explanations about the mortgage.

The borrower must complete this pre-signing notarial stage within the legally required timeframe before the mortgage deed can be authorized.

This provides an important opportunity to ask questions about conditions you do not understand.

Use it.

Ask about:

• variable-rate calculations;
• early repayment;
• default;
• guarantees;
• linked products;
• mortgage expenses;
• clauses you do not understand.

Our guide to notary services in Spain explains how Spanish notaries work and why their role differs from notaries in countries such as Canada, the United States or the United Kingdom.

Who Pays the Mortgage Notary and Registration Costs?

This is one area where many online guides still create confusion because they mix up property-purchase costs and mortgage-formalization costs.

They are not the same thing.

Under the current Spanish mortgage framework, for the formalization of the mortgage:

Borrower generally pays:

• mortgage valuation.

Bank generally pays:

• mortgage-deed notary costs;
• mortgage Land Registry costs;
• mortgage-related tax;
• mortgage gestoría costs.

But this does not mean the bank pays the costs of buying your property.

The buyer still has separate acquisition expenses.

Mortgage Costs vs Property Purchase Costs

This distinction is critical.

Mortgage Costs

These arise because you are obtaining financing.

They can include:

• tasación;
• bank fees where lawfully applicable;
• financial products you voluntarily choose;
• other loan-specific costs.

Property Purchase Costs

These arise because you are buying the property.

Depending on the transaction, they can include:

• ITP on qualifying resale property;
• VAT on applicable new-build purchases;
• applicable AJD;
• purchase-deed notary costs;
• Land Registry costs;
• legal advice;
• technical inspections;
• translations;
• other transaction expenses.

Property taxes depend partly on the type of property and where in Spain it is located.

When budgeting, never simply add a “mortgage fee percentage.”

Calculate:

Purchase price + property taxes + purchase expenses + mortgage-related borrower costs + reserve

separately.

Can a Bank Force You to Buy Its Insurance?

Banks may offer better mortgage pricing if you also use additional products.

These are often known as bonificaciones.

Examples can include:

• salary account;
• home insurance;
• life insurance;
• credit card;
• security system;
• investment products.

A lower mortgage rate does not automatically mean the combined package is cheaper.

Compare the total annual cost.

For example:

Mortgage A

Lower interest rate + €1,500 annual insurance cost

versus

Mortgage B

Slightly higher rate + €400 independent insurance cost

Mortgage B could potentially cost less overall.

Banks can offer combined products with pricing incentives, while tied sales in mortgage lending are restricted except in permitted circumstances.

Always ask for the mortgage conditions:

with bonifications
and
without bonifications

Then compare the real total cost.

Do You Need a Spanish Bank Account?

In practice, a Spanish or compatible euro account often becomes part of the mortgage and property-payment process.

Different lenders have different account requirements.

Opening your account early can simplify:

• mortgage payments;
• utility direct debits;
• property taxes;
• insurance;
• community fees;
• purchase transfers.

See our guide to opening a Spanish bank account as a foreigner.

Do Foreign Documents Need Spanish Translation?

Sometimes.

A bank may accept certain foreign financial documents in English or another language internally, while other documents associated with the transaction may require Spanish translation.

Do not translate every document automatically.

Ask which documents require:

• ordinary translation;
• sworn translation;
• apostille;
• legalization;
• no translation at all.

For official translations, see our Sworn Translation Services in Spain guide.

How Long Can a Spanish Mortgage Last?

Mortgage length depends on lender policy and borrower circumstances.

Important factors can include:

• age;
• income;
• resident or non-resident profile;
• property use;
• mortgage amount;
• lender risk policy.

A longer mortgage can reduce the monthly payment but increase the total interest paid over the life of the loan.

Do not choose the longest term simply because the monthly payment looks easier.

Our separate guide explains how long a mortgage can last in Spain.

Why Do Spanish Mortgage Applications Get Rejected?

There is no single reason.

Common problems include:

Insufficient Income

The proposed mortgage creates too much monthly debt relative to verified income.

Too Much Existing Debt

Car loans, mortgages, credit cards and personal loans can reduce available borrowing capacity.

Unstable Income

Short employment history, irregular earnings or recent business activity may make income harder to underwrite.

Insufficient Savings

The buyer can afford the mortgage payment but does not have enough cash for the deposit and purchase costs.

Low Property Valuation

The bank values the property below the agreed purchase price.

Property Problems

The lender identifies issues with the property or its registration.

Poor Credit History

Previous missed payments or other negative information can affect approval.

Unclear Source of Funds

The buyer cannot adequately document where the purchase money came from.

Foreign-Income Complexity

Income is difficult to verify or the bank does not accept the applicant’s country, currency or employment structure.

Documents Arrive Too Late

The buyer begins preparing international documents only after signing a tight completion deadline.

How Can You Improve Your Chances of Mortgage Approval?

Prepare Before Property Hunting

Know your realistic budget before falling in love with a property.

Reduce Unnecessary Debt

Lower existing monthly commitments where financially sensible.

Keep Your Finances Stable

Avoid unnecessary major credit changes immediately before underwriting.

Organize Documents

Create separate folders for:

• identity;
• employment;
• tax;
• banking;
• debts;
• savings;
• property.

Keep Source-of-Funds Evidence

Do not lose old statements simply because the money has already been transferred.

Compare Several Lenders

Different banks have different risk appetites.

Do Not Overpay for the Property

A valuation significantly below the purchase price can undermine your financing plan.

Build a Financial Buffer

Do not spend every available euro on the deposit and closing costs.

Protect the Purchase Contract

Understand what happens to the deposit if financing fails.

Bank or Mortgage Broker: Which Is Better?

Both can work.

Applying Directly to Banks

Potential advantages:

• direct relationship;
• potentially no broker fee;
• easier if you already bank with the lender.

Potential disadvantages:

• you must compare offers yourself;
• each bank sees only its own products;
• international applications can involve repeated documentation.

Using a Mortgage Broker

Potential advantages:

• access to multiple lenders;
• familiarity with international profiles;
• assistance organizing documents;
• ability to identify lenders suited to unusual income structures.

Potential disadvantages:

• possible broker fees;
• service quality varies;
• not every broker works with every lender.

Before hiring a broker, establish:

• how they are paid;
• whether you pay a fee;
• which lenders they work with;
• whether they are properly authorized where required;
• whether their recommendation is genuinely broad.

A Safer Spanish Mortgage Timeline

For a newcomer, the process should ideally look like this:

Before Searching Seriously

Prepare:

• income documents;
• debt information;
• savings evidence;
• source-of-funds records.

Before Making an Offer

Obtain:

• realistic borrowing estimate;
• cash requirement calculation;
• preliminary lender feedback.

Before Paying a Large Deposit

Review:

• financing risk;
• arras conditions;
• deadline;
• mortgage clause.

After Choosing the Property

Complete:

• full mortgage application;
• property documentation;
• valuation;
• final underwriting.

Before Signing

Review:

• FEIN;
• FiAE;
• insurance and bundled products;
• final costs;
• notarial explanations.

At Completion

Sign:

• property purchase deed;
• mortgage deed where applicable.

Then ensure the transaction and mortgage are properly processed for registration.

Mortgage Checklist for Foreign Buyers in Spain

Before committing to a property, make sure you can answer all of these questions:

• How much cash do I have available?
• How much must remain as an emergency reserve?
• What mortgage amount can I realistically obtain?
• Am I applying as a resident or non-resident borrower?
• Is my income in euros or another currency?
• Have I disclosed all existing debts?
• Can I document the source of my deposit?
• Do I have my passport and NIE arrangements in place?
• Have I prepared tax and employment documents?
• Does the arras contract protect me if financing fails?
• What happens if the valuation is below the purchase price?
• Is the mortgage fixed, variable or mixed?
• What is the TAE?
• What happens to the rate without bank-linked products?
• Have I read the FEIN and FiAE?
• Have I completed the required notarial pre-signing process?
• Do I understand every payment due on completion?

If several answers are still unclear, the transaction is probably not ready for a non-refundable financial commitment.

Frequently Asked Questions About Getting a Mortgage in Spain

Can foreigners get mortgages in Spain?

Yes. Spanish lenders provide mortgages to qualifying foreign residents and non-residents. Approval depends on the borrower’s financial profile, the property and the lender’s policies.

Do I need to be a Spanish resident?

No. Non-residents can obtain Spanish mortgages, although financing and underwriting conditions can differ from those offered to qualifying Spanish residents.

How much will a Spanish bank lend a foreign buyer?

There is no universal legal percentage. Some lenders currently finance qualifying international or second-home buyers up to around 70%, while certain primary-residence products can offer higher LTVs. The actual offer depends on the bank and borrower.

Is a 30% deposit always enough for a non-resident?

No. The lender may finance less than 70%, the valuation may be below the purchase price, and purchase taxes and expenses must also be funded.

Is mortgage pre-approval guaranteed?

No. A preliminary assessment is not necessarily final approval. The bank may still need to approve the property, valuation, documents and final underwriting.

What is a tasación?

A tasación is the formal property valuation used in the Spanish mortgage process. It helps the lender determine the value of the property securing the loan.

Who pays for the mortgage valuation?

The borrower generally pays the mortgage valuation.

Who pays the mortgage notary costs in Spain?

Under the current mortgage-credit framework, the bank generally bears the formalization costs of the mortgage deed relating to notary, registry, applicable mortgage tax and gestoría, while the borrower pays the valuation. Costs connected with purchasing the property itself are separate.

What is a FEIN?

The FEIN is the personalized European Standardised Information Sheet containing the proposed mortgage conditions. It is a key pre-contractual document and should be carefully reviewed before signing.

How long before signing must I receive the FEIN?

Under the general Spanish framework, required pre-contractual mortgage information including the FEIN must be supplied at least 10 calendar days before signing.

Do I have to visit a notary before signing the mortgage?

The mortgage-credit process includes mandatory prior notarial advice and verification before the mortgage deed is signed.

Can I lose my property deposit if my mortgage is rejected?

Potentially. The result depends on the terms of your reservation or arras agreement. Never assume mortgage rejection automatically entitles you to a refund.

Can I get a mortgage if my salary is outside Spain?

Potentially yes. Banks regularly assess foreign income, but the currency, country, employer, income stability and documentation can affect approval.

Can self-employed foreigners get Spanish mortgages?

Yes, but lenders may ask for more extensive evidence to establish sustainable income and business stability.

Is the lowest interest rate always the best mortgage?

No. Compare the TAE, total cost, mortgage term, fees, insurance and other products, repayment conditions and risks—not only the advertised rate.

Does buying a property give me Spanish residency?

No. Purchasing a property and obtaining Spanish immigration residence are separate legal processes.

The Most Important Rule: Secure the Financing Before the Property Controls the Timeline

For foreign buyers, the safest Spanish mortgage strategy is not:

find house → pay deposit → hope bank approves mortgage

It is:

understand budget → prepare documents → assess financing → choose property → protect contract → complete valuation → obtain approval → review mortgage → sign

That change in order can prevent one of the most expensive mistakes a newcomer can make in Spain.

If you are still comparing financing levels, deposits, mortgage structures and resident versus non-resident conditions, continue with our complete Mortgages for Foreigners in Spain guide.

If you are moving from the mortgage stage into the actual purchase, see our Real Estate in Spain guide for foreign buyers.

And if you need help coordinating your mortgage, property purchase and relocation process, contact Newcomer.es.