Spanish Property Mortgages
A specialist mortgage for property in Spain for international buyers (US, UAE, UK, European) and high-net-worth individuals purchasing residential property. Up to 65% LTV via Spanish and international lenders.
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 borrow against Spanish property up to around 65% of value, over terms of up to 25 years, in EUR, GBP or USD. Spanish and international lenders assess provable income, existing debt and the asset itself rather than nationality.
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.
At a glance
Standard non-resident mortgages are the cheapest route; private bank and bridging structures buy flexibility or speed at a higher cost.
| Route | Max LTV | Indicative pricing | Time to funds | Best for |
|---|---|---|---|---|
| Spanish bank (non-resident) | 60–65% | Mixta commonly offered first | 8–12 weeks | Provable income, straightforward purchase |
| International / private bank | 50–70% | ~4–6% p.a. | 6–10 weeks | HNW, complex or multi-currency income |
| Bridging finance | 65% | 0.7–0.9% pcm | 2–6 weeks | Time-critical or auction purchases |
| Refinance / equity release | 65% | ~4–6% p.a. | 8–12 weeks | Owned property, capital release |
Swipe the table sideways to see all columns.
Indicative figures only. Actual terms depend on borrower profile, asset and lender criteria.
Popular Spain finance
Why clients choose us
Non-resident lending to a maximum of 65% for the majority of Spanish properties, with higher LTVs available in select cases.
Interest-only structures available for qualifying borrowers seeking to preserve liquidity.
GBP, EUR and USD income accepted by selected lenders — with multi-currency loan facilities available.
Comfortable with self-employed, business owners, HNW individuals and portfolio landlords.
A single international specialist manages the entire process, including liaison with Spanish notaries.
Indicative terms typically within 5-10 working days for well-prepared applications.
Mixed-rate mortgages are now a common starting offer, fixing the initial period before reverting to Euribor plus a lender margin.
Borrower eligibility
Typical lending criteria
Indicative only. Actual terms depend on borrower profile, asset and lender criteria.
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.
Murcia · Non-Resident Mortgage
€750k purchase · 70% LTV · holiday home
A 70% LTV Spanish mortgage was secured through a specialist partner for UK-resident joint applicants — one salaried, one long-established self-employed — buying a €750k holiday home on a Murcia golf resort.
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.
Frequently asked
No. Non-resident mortgages are widely available in Spain and are our core specialism.
Typically 35–40% for non-residents, plus purchase costs of approximately 10–12% of the property price.
Yes, sterling and multi-currency mortgages are available through certain international lenders.
Passport, NIE, proof of income, three months' bank statements, and details of any existing assets and liabilities.
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 moreLender 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 guideMortgage rate structures
Understand the initial fixed period, Euribor reversion, tied products and total cost before comparing it with a full-term fixed or variable mortgage.
Proof of delivery
Spanish mortgage transactions facilitated through specialist partners for international buyers, from primary residences to coastal homes and purchase-option lending.
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.
A 70% LTV Spanish mortgage was secured through a specialist partner for UK-resident joint applicants — one salaried, one long-established self-employed — buying a €750k holiday home on a Murcia golf resort.
€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.
Completed €357,798 private mortgage enabling tenants in Jávea to exercise their purchase option after Spanish banks declined — closed in under three months.
Related bridging & development finance
Dedicated landing pages for each bridging use case and development stage — with typical structures, eligibility and example transactions.
Time-critical acquisitions, auction, off-market and chain-break completions.
View pageRefinance existing Spanish debt, cancel embargoes and restructure onto cleaner terms.
View pageRelease equity from Spanish real estate to fund operating capital or growth.
View pageFast cash advance against Spanish property with a defined exit route.
View pageShort-term facilities for professional investors executing on Spanish opportunities.
View pagePartial land funding on consented and pre-consented sites, rolling into senior debt on planning grant.
View pageSenior debt for new-build residential and mixed-use schemes with staged drawdowns.
View pageRefurbishment and repositioning finance for existing Spanish buildings.
View pageFinance for schemes already under construction — completion funding and stretched senior.
View pageRelated services
Senior 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.
Where we cover
We facilitate non-resident mortgages and bridging finance across mainland Spain, the Balearics and the Canary Islands. Select a location to explore the local guide.
Success stories by region
Buyer guides
Non-resident lending in Spain varies materially by buyer origin — currency, EU/EEA status, tax reporting and documentation all affect LTVs and lender appetite. Pick your country of residence for a tailored guide.
USD income, FATCA reporting and wire-transfer structuring for US residents.
Read guidePost-Brexit non-resident mortgages, UK-secured bridging and Spanish development finance.
Read guideEU treatment, SCHUFA and euro-income buyers across the Costa del Sol and Mallorca.
Read guideFrench residents buying on the Costa Brava, Barcelona and the Balearics.
Read guideBox 3, mortgage-interest treatment and EU-friendly lender routes for NL residents.
Read guideEuro income, EU LTVs and the Costa Blanca corridor for Belgian residents.
Read guidePLN income treatment, BIK reports and EU lender routes for Polish residents.
Read guideSEK income, EU treatment and the Costa del Sol Nordic corridor.
Read guideNOK income, EEA lender treatment and the FX conversion right on a EUR loan.
Read guideDKK–EUR peg, EU treatment and standard Nordic corridor timelines.
Read guideCHF income, private-banking routes and high-value villa financing.
Read guideEU treatment, euro income and Central Bank of Ireland macroprudential rules.
Read guideCAD income, non-EU tax treatment and CRA T1135 foreign-property reporting.
Read guideAUD income, non-EU LTVs and why SMSF structures rarely work in Spain.
Read guideUAE and GCC villa buyers, private-banking structures and AUM-backed lending.
Read guideTell us what you are financing, where, and how quickly you need funds. We will point you to the right page and pre-fill your enquiry.
Location shapes valuation timelines and which lenders will look at the asset.
Answer questions 1 and 3 to see a suggested route.
