Spanish Mortgages for UK & Irish Buyers
Understand your options, how much you can borrow, and how the mortgage process works when buying property in Spain.
Initial advice • No obligation
Mortgages in Spain Made Simple
Buying property in Spain is different from the UK, and that includes how mortgages work.
We work with trusted mortgage advisors who specialise in helping international buyers secure finance for properties across Costa Blanca South, Murcia, and surrounding areas.
Whether you’re buying a holiday home, investment property, or planning to relocate, we can help you understand your options clearly.
How Mortgages Work in Spain
Loan to Value (LTV)
- Most non-resident buyers can borrow between 60–70% of the property value.
Deposit Required
- You’ll typically need a 30–40% deposit, plus additional funds for taxes and fees.
Term Length
- Mortgage terms usually range from 15 to 25 years, depending on your age and circumstances.
Interest Rates
- Both fixed and variable rate mortgages are available, depending on the lender.
Helping hundreds of buyers successfully purchase property in Spain
How Much Can You Borrow?
The amount you can borrow will depend on your income, existing commitments, and overall financial profile.
Spanish lenders will typically assess:
- Income and employment status
- Existing debts or financial commitments
- Age and mortgage term
- Property value and location
Why Work With a Mortgage Specialist?
- Access lenders suited to international buyers
- Understand the full cost of borrowing
- Avoid delays and common pitfalls
- Find the most suitable mortgage for your situation
Additional Costs to Consider
- Property purchase taxes
- Legal fees
- Notary and registration costs
- Mortgage arrangement fees
- Typically 10–15% of the purchase price
Request Mortgage Advice
Enter your details below and we’ll connect you with a trusted mortgage specialist who can guide you through your options.
