Financing a Spanish property: the ultimate guide

At Spanish Legal Homes, we’re often asked what financing options are available to UK buyers. As such, we have pulled together our best tips when buying a property in Spain and with the help of our friends at Fluent Finance Abroad and Alder House Finance, have compiled this into a comprehensive guide.

In our 30+ years experience, we have helped over 10,000 buyers purchase a property in Spain!

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What finance may be available to you?

UK buyers can finance their property purchase using either Spanish or UK financing methods which may include:

  • Spanish mortgages
  • UK loans both secured and unsecured
  • Remortgages on their UK property
  • Equity release on their UK property

Please note, to secure UK finance you must own a property or buy to let in the UK.

Benefits to using finance for your Spanish property

The benefits of obtaining finance to purchase your property in Spain are better than you may think.

UK financing is often quicker to obtain and makes sure your finances are in place ahead of going out to Spain. This will put you in a stronger position to negotiate a better price and ensure you can put down a deposit on the property you love.

Alternatively, a Spanish mortgage on your property may enable you to offset the weakened £ sterling. When the £ improves you can choose to pay off your mortgage without any penalties!

If you are planning to rent your property, the yield can be used to pay off your mortgage. With an estimated return of 4-6%, your property is an asset that pays.

Learn more about financing a Spanish property purchase >>

Do you have any questions?

If you have any further questions, please do not hesitate to get in touch with our expert teams! Call us on 01202 971614 or email

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