Costa Blanca Property Finance
Specialist residential mortgages and short-term bridging finance for international buyers (US, UAE, UK and European) along the Costa Blanca — from Denia, Jávea and Moraira in the north to Altea, Calpe and the Alicante coast.
Two quick steps — a specialist will respond within one working day.
Last updated Reviewed by our Clifton International finance team.
In short
Yes. Non-residents can usually borrow 60–70% of value on Costa Blanca property in Alicante, Jávea, Dénia and Moraira, over five to twenty-five years. Lenders assess documented worldwide income, and a straightforward case completes in around eight to fourteen weeks.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at October 2026. Rates, costs and timelines vary by lender, borrower profile, asset and jurisdiction, and are not an offer of finance. How we derive these figures.
Last reviewed . Read the full Key facts methodology, or speak to our team for a quote based on your circumstances.
Local data
Price data
Transfer tax in Spain is set by each autonomous community, not centrally — the same €1m purchase costs materially more in some regions than others. These are the figures that apply to a Costa Blanca purchase.
Official price per m² and purchase taxes for Costa Blanca, Q2 2026
Source for price per m²: Ministerio de Transportes y Movilidad Sostenible (MITMA), Valor tasado de la vivienda libre, Q2 2026 (published September 2026). Figures are the official average bank-valuation price of private housing (vivienda libre), in euros per m², for municipalities over 25,000 people or, where a town is not published, the province or region shown. Valuation prices usually sit below portal asking prices. Tax rates are the headline rates published by each autonomous community. Guidance only — not tax or legal advice; confirm the rate applying to your purchase with your Spanish lawyer. View the official MITMA data · Compare all 30 Spanish locations · Data disclaimer · How we compile these figures.
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Why clients choose us
Financing across the northern Costa Blanca villages, Alicante City and the southern coastal resorts.
Non-resident residential lending to a maximum of 65% for prime Costa Blanca property.
Short-term facilities for off-market, auction and refurbishment purchases across the coast.
From clifftop villas in Jávea and Moraira to seafront apartments in Altea and Calpe.
GBP, EUR and USD income accepted by selected lenders, with multi-currency facilities available.
A single international specialist managing lender, notary and legal liaison.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
Explore by area
Dedicated Denia, Moraira and Altea pages coming soon — enquire for tailored terms.
Dutch buyers are one of the largest groups on the northern Costa Blanca. Our guide to Spanish mortgages for Dutch buyers explains how a Dutch hypotheek affects affordability, Box 3 reporting and the cash needed for a Costa Blanca resale.
German buyers are well established in Dénia, Jávea and Moraira. Our guide to Spanish mortgages for German buyers covers SCHUFA, German tax under the double tax treaty and the cash needed for a resale purchase.
Rates this month
Last updated:
12-month Euribor (September 2026)
3.247%
+0.293 on August 2026
Variable margin
0.90% – 1.75%
over Euribor
Indicative variable rate
4.15% – 5.00%
Euribor + margin
Non-resident fixed
2.80% – 3.90%
10–25 year products
Worked example
Recalculated with rates published
An international buyer purchasing a €500,000 resale property in Costa Blanca with a 65% LTV non-resident mortgage. With 12-month Euribor at 3.247% (September 2026), the €325,000 loan over 25 years currently costs between €1,742 and €1,899 a month on a variable rate, or about €1,601 on a mid-band fixed rate.
| Item | Amount |
|---|---|
| Deposit (35%) | €175,000 |
| Comunidad Valenciana transfer tax (ITP) | €45,000 |
| Notary, registry and legal fees (indicative ~2%) | €10,000 |
| Total cash needed | €230,000 |
| Mortgage at 65% LTV | €325,000 |
| Product | Rate | Monthly repayment |
|---|---|---|
| Fixed (mid-band) | 3.35% | €1,601 |
| Variable, lowest margin | 4.15% | €1,742 |
| Variable, highest margin | 5.00% | €1,899 |
Transfer tax: 9% (11% above €1m), using the published headline rate for Comunidad Valenciana. The general resale rate is 9%; acquisitions above €1m use the 11% tariff. Reduced rates may apply to qualifying main homes and buyer categories. Notary, registry and legal fees are an indicative estimate, not an official figure. Official price and tax data · Data and estimates disclaimer.
Euribor: official September 2026 12-month average (3.247%) from the Banco de España / BOE. Fixed, mixta and margin bands: Clifton International lender panel, reviewed 2 November 2026; mid-points used. Indicative only — not a quote, offer or recommendation.
No obligation — a specialist replies within one working day.
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Javea · Bridge Finance
€300k bridge · 12-month term · interest retained
€300k 12-month bridge for UAE-based British buyers to secure a Javea holiday home at below market value — exited via a Spanish mortgage refinance within term.
Jávea · Private Mortgage
€357,798 · 13.5% p.a. · completed
Completed €357,798 private mortgage enabling tenants in Jávea to exercise their purchase option after Spanish banks declined — closed in under three months.
Costa Blanca · Exit
€6m · 60% LTV · 18-month bridge
€6m 18-month development exit bridge with interest retained, allowing a Costa Blanca developer to sell 14 completed units at target values without discounting.
Frequently asked
The full coast — from Denia, Jávea, Moraira, Benissa, Calpe and Altea in the north down through Benidorm, Alicante City, Torrevieja and the Orihuela Costa in the south.
The northern Costa Blanca villages of Jávea, Moraira, Denia and Altea are strong collateral for villa lending; Alicante City and the coastal apartment markets are well understood for apartments and townhouses.
Yes. Non-residents (including US, UAE, UK and European buyers) can typically borrow up to 65% LTV via Spanish and international lenders on Costa Blanca property.
Around 35–40% cash deposit plus approximately 10–12% of the price for transfer tax (or IVA on new-build), notary, registry and legal fees.
Yes — short-term bridging is regularly arranged for off-market, auction and refurbishment purchases from Denia to the Orihuela Costa, typically for 6–24 months.
Yes. New-build purchases attract 10% IVA plus 1.5% AJD; mortgage financing is available on completion, and in some cases against stage payments.
Yes. Spanish and international lenders typically want 2–3 years of accounts, SA302s or tax returns; company directors can combine salary, dividends and retained profits.
Both — long-dated fixed rates, variable rates linked to a benchmark, and mixed products are all available. Current pricing is provided on enquiry.
Plan for 8–14 weeks from full application to notary. Bridging can complete in 2–4 weeks.
Yes — both are required to sign at notary and drawdown a Spanish mortgage. We coordinate NIE, bank account opening, lawyer engagement and FX alongside the finance.
Local coverage
Jávea, Moraira, Altea, Benidorm, Alicante and the southern coast. We also arrange property finance across the neighbouring areas below — one adviser, one conversation, whichever location you buy in.
Nearby covered areas
Not listed? We cover all of mainland Spain, the Balearics and the Canaries — tell us the town and we will confirm lender appetite.
Buying in Costa Blanca? Estimate your monthly repayment on a fixed or Euribor-linked variable rate with our Spanish mortgage calculator.
Also in Alicante
Bridging is often the route to securing the property; the mortgage then repays it.
Short-term bridging in Alicante — auction, distressed and off-market purchases funded on a fixed deadline.
Senior development debt for Alicante apartment schemes, Costa Blanca villa clusters and building conversions.
Before you apply
Identity and NIE, two years of income evidence, six months of bank statements, source of wealth and the property paperwork — our free checklist sets out every document Spanish lenders ask international buyers for, by applicant profile.
Also consider bridging
Non-resident Spanish mortgages typically take 8–14 weeks. Where timing is tight — auctions, off-market deals, chain-breaks or a pending home-country sale — short-term bridging can complete in 2–4 weeks and refinance onto a mortgage later.
Fast, short-term facilities for chain-breaks, auctions, off-market deals and pre-mortgage completions.
Learn moreComplete on a Spanish home before your mortgage or overseas sale is in place.
Learn moreSide-by-side decision framework covering speed, cost and exit routes.
Learn moreTypical rates, fees and worked examples for €500k–€5m Spanish bridging deals.
Learn moreCurrency exchange
Most non-resident buyers fund the deposit, taxes and fees from sterling or dollars. A 5% move in GBP/EUR between the arras contract and the notary can add thousands to your euro cost — we introduce you to a specialist currency partner who can fix your rate early.
Clifton introduces clients to a specialist currency partner and does not hold, convert or transfer client funds.
Explore the currency service
Related coverage
Where we cover
We facilitate non-resident mortgages and bridging finance across every major Spanish market. Explore the other cities we cover, or jump straight to a specific service.
Book a consultation
30 minutes with an international specialist to review the deal, confirm indicative terms and outline a clear path to completion.
Lender appetite matrix
Resale apartment / villa — appetite across every buyer profile. Indicative panel appetite reviewed July 2026 — not an offer of finance.
UK buyer (non-resident)
Standard non-resident product; sterling income accepted with a currency haircut.
Buyer guideUS buyer (non-resident)
A subset of banks accept US persons; FATCA reporting drives the shortlist.
Buyer guideUAE / GCC-based buyer
Straightforward where salary certificates and bank statements are complete.
Buyer guideEU buyer (non-resident)
Euro income removes currency risk; best published non-resident pricing.
Buyer guideSwiss / Norwegian buyer
Treated close to EU profiles once income is evidenced in CHF or NOK.
Buyer guideSpanish resident / fiscal resident
Full resident product range with the longest available terms.
Corporate / SPV purchase
Residential lending to a company is priced as commercial debt.
Buyer guideRelated services
Purchase finance for primary residences, second homes and holiday properties across Spain.
Learn moreSenior debt and stretched-senior facilities for residential and mixed-use schemes.
Learn moreInvestment and owner-occupier funding for offices, hospitality, retail and logistics.
Learn moreImproved terms, capital raising and exit refinance for maturing Spanish facilities.
Learn moreShort-term funding for acquisitions, auctions, chain-breaks and development exits.
Learn moreReady to explore your options?
A discreet, no-obligation conversation with an international specialist with deep expertise in the Spanish lending landscape for US, UAE, UK and European buyers.