Mortgages in Spain for non-residents
Your home in Spain, financed from abroad.
We compare the Spanish banks that lend to buyers living outside Spain. One expert, in your language, from first question to keys. Free for you.
Same process, built for you
How it works
Tell us about you
Where you live, what you earn and in which currency. Five minutes, no paperwork yet.
We compare for you
Banks that actually lend to non-residents compete for your case. We negotiate rate, fees and linked products.
Sign in person or remotely
From NIE to notary. Can't travel? We arrange a power of attorney so you can sign from home.
Mortgage simulator
Non-resident conditions: up to 70% financing plus purchase costs of about 12%.
Monthly payment
€1,225
Your savings cover the required own funds.
Check my eligibilityOrientative figures at a 3.6% rate. Not a binding offer: final terms depend on each bank's assessment.
Your document checklist
Choose your profile and we'll show what Spanish banks will ask you for.
Employment
Nationality
Income currency
Identity & residence
- Valid passport
Every applicant. Pages with photo and personal details.
- NIE (foreigner ID number)
Mandatory to sign. If you don't have it, we guide you through the consulate or a representative.
We handle it - Proof of address abroad
Utility bill or bank letter less than 3 months old.
Translation - Tax residence certificate
Issued by the tax authority of your country of residence.
TranslationApostille - Credit report from your country
From your local credit bureau (e.g. Experian, Equifax, Schufa).
Translation
Income
- Last 6 payslips
From every employed applicant.
Translation - Employment contract
Plus an employer letter with position, seniority and salary.
Translation - Last 2 income tax returns
Full returns filed in your country of residence.
TranslationApostille - 12 months of income history
Because your income is not in euros, banks check its stability over time.
Translation
Savings & debts
- Bank statements (last 6 months)
Main account showing income received and current payments.
Translation - Proof of funds and their origin
Savings for deposit and costs, and where they come from (anti-money-laundering).
Translation - Current loans and mortgages
Latest statements of any loan, mortgage or credit card.
Translation - Rental contracts (if any)
If you earn rental income from other properties.
Translation
In Spain
- Reservation or arras contract
Plus the listing with price. We request the land registry extract (nota simple).
We handle it - Spanish bank account
Required to pay the mortgage. Usually opened with the lending bank.
We handle it - Non-residence certificate
Confirms you're a non-resident in Spain.
We handle it - Power of attorney
Only if you sign remotely. Granted at a Spanish consulate or a local notary.
ApostilleWe handle it
Translation: sworn translation if the document isn't in Spanish or English. Apostille: Hague apostille on official documents issued outside the EU.
Frequently asked questions
Can I get a mortgage in Spain if I don't live here?+–
Yes. Spanish banks lend to non-residents, usually up to 60–70% of the lower of price and valuation. You'll need savings for the rest plus purchase costs.
What is the NIE and do I need it?+–
It's the foreigner identification number, and you need it to sign the purchase and the mortgage. We help you get it at a Spanish consulate, in Spain, or through a representative.
My income is in dollars or pounds. Is that a problem?+–
No, but banks apply a safety margin for currency risk and look closely at your income history. We present your case to the banks most comfortable with your currency.
Do I have to travel to Spain to sign?+–
Not necessarily. You can grant a power of attorney at a Spanish consulate or a local notary (with apostille) and we sign on your behalf.
How long does it take?+–
Typically 4 to 8 weeks from complete documentation, depending on the bank and translations.
How much does it cost me?+–
Our service is free for you. We are paid by the bank when the mortgage is signed.
Real estate agent working with international buyers?
Refer your clients and earn a commission on every signed mortgage. No cost, no commitment.