Costa del Sol Property Finance
Specialist residential mortgages and short-term bridging finance for international buyers (US, UAE, UK and European) along Andalucía's Mediterranean coast — from Málaga City and Mijas to Marbella, Estepona and Sotogrande.
Two quick steps — a specialist will respond within one working day. Your Marbella checklist stays available after submission.
Last updated Reviewed by our Clifton International finance team.
In short
Yes. Non-resident buyers can typically borrow 60–70% of value on Costa del Sol property in Marbella, Estepona, Sotogrande and Málaga, over five to twenty-five years. Underwriting is income based, and a well-prepared application completes in roughly eight to fourteen weeks.
At a glance
Figures reviewed:
Indicative figures for guidance only, correct as at July 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
Reviewed
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 del Sol purchase.
Indicative price per m² and purchase taxes for Costa del Sol, reviewed August 2026
Price bands are indicative asking-price ranges compiled by Clifton International from Spanish portal listings and our own completed transactions in the preceding 12 months. Tax rates are the headline rates published by each autonomous community. Figures are guidance only, reviewed August 2026, and are not tax or legal advice — confirm the rate applying to your purchase with your Spanish lawyer. How we compile these figures.
Explore mortgages by location / area
Why clients choose us
Financing from Málaga City through Marbella and Estepona down to Sotogrande, including the New Golden Mile and inland villages.
Non-resident residential lending to a maximum of 65% for prime Costa del Sol property.
Short-term facilities for off-market, auction and refurbishment purchases across the coast.
Access to Spanish, Swiss and Andorran private banks for higher-value villas and estates.
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
Recent transactions
Published transactions from our own case study library — select any to read the full brief.
Estepona · Non-Resident Mortgage
€1.6m purchase · 70% LTV · primary residence
A 70% LTV Spanish mortgage was secured through a specialist partner for a UK tax-resident international professional relocating to a €1.6m primary residence in Estepona.
Marbella · Residential
€3.24m · 60% LTV · interest-only
€3.24m interest-only facility for a UK technology entrepreneur acquiring a €5.4m front-line beach villa in Marbella — application to offer in 4 weeks.
Benahavís · Bridge Finance
€3.62m · 13% p.a. · 18 + 6 months
€3.62m first-charge bridge arranged in weeks on a €4.5m Benahavís villa, underwritten purely on the asset and completed in time for the acquisition.
Frequently asked
The full coast — Málaga City, Torremolinos, Benalmádena, Fuengirola, Mijas, Marbella, Estepona, Casares, Manilva and Sotogrande — plus the New Golden Mile and inland villages such as Benahavís.
The Marbella–Estepona corridor (including the Golden Mile, Nueva Andalucía, Sierra Blanca and La Zagaleta), Sotogrande, and the Málaga City centre are the strongest collateral areas, but well-priced coastal property from Mijas to Manilva is readily financeable.
Yes. Non-resident lending is a core activity along the whole coast, with non-resident buyers typically able to borrow up to 65% LTV via Spanish and international lenders.
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 Málaga to Sotogrande, 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 6–10 weeks from full application to notary, subject to a clean valuation, title and NIE. 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
Fuengirola, Mijas, Benalmádena, Marbella and Estepona. 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.
Also in Costa del Sol
Bridging is often the route to securing the property; the mortgage then repays it.
Short-term bridging across the Costa del Sol for fast completions, renovation and equity release ahead of a term mortgage.
Senior development debt across the Costa del Sol — villa schemes, apartment blocks and land-led projects with staged drawdowns.
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 6–10 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 moreRelated 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.