27 September 2026
The Complete Guide to Spanish Mortgages for Foreign Buyers
The whole process end to end — eligibility, borrowing limits, costs, documents, timings and the mistakes that cost people money.
Guides
Spanish mortgage guides for foreign buyers
Plain explanations of the parts of a Spanish mortgage that catch non-resident buyers out — the paperwork, the valuation, the rate, the costs and the sequence they happen in. Written by an independent broker in Málaga, not by a bank.
- Independent, not tied to one bank
- No fee to you
- Everything in English
27 September 2026
The Spanish Mortgage Document Checklist for Non-Residents
Everything a Spanish bank will ask you for, why it wants each item, and the order to collect them in.
27 September 2026
How to Get an NIE Number for Buying Property in Spain
What the NIE is, the two ways to apply for one, and why it is the first thing to start.
27 September 2026
Spanish Bank Valuations: What If the Tasación Is Low?
Why the bank lends against its own valuation, not your price — and what to do when the two disagree.
27 September 2026
Fixed, Variable or Mixed: Choosing a Spanish Mortgage Rate
How the three rate types work, and why non-residents lean one way more than Spanish residents do.
27 September 2026
The Real Cost of Buying Property in Andalucía
A line-by-line worked example of the cash you need on completion day, deposit included.
27 September 2026
Non-Resident vs Resident: What It Means to a Spanish Bank
Why your tax residence, not your passport, sets your borrowing limit — and what changes if you move.
27 September 2026
Buying Off-Plan in Spain: Guarantees and Staged Payments
Staged payments, bank guarantees, subrogation, and why you cannot lock a rate two years out.
27 September 2026
Can a Spanish Bank Make You Buy Life Insurance?
What a lender can require, what it merely wants, and how to price a bundled rate discount.
27 September 2026
Remortgaging in Spain: Subrogación and Novación
The three routes to changing your Spanish mortgage, what each costs, and when it is worth it.
27 September 2026
Why Spanish Banks Decline Non-Resident Mortgage Applications
The eight reasons applications actually fail, and which of them you can fix beforehand.
27 September 2026
Nota Simple: How to Read a Spanish Registry Extract
The land registry extract that tells you who owns the property, what it legally consists of, and what is charged against it.
27 September 2026
Opening a Spanish Bank Account as a Non-Resident
Why a Spanish account is unavoidable, what opening one takes, and why it should happen early rather than in completion week.
27 September 2026
Power of Attorney for Buying Property in Spain
How a poder notarial lets your Spanish lawyer sign for you, and how to grant one without handing over more than you meant to.
27 September 2026
The Spanish Property Purchase Timeline, Week by Week
What happens in which week, what runs in parallel, and where the waiting actually is.
27 September 2026
Buying Spanish Property Through a Company
It is possible, it narrows the lender field, and it is a tax question to settle before it is a mortgage question.
27 September 2026
Getting a Spanish Mortgage on Pension Income
Why pension income is welcome, why the term is the real limit, and the four ways round it.
27 September 2026
Currency Risk: A Euro Mortgage on Foreign Income
Why a fixed-rate euro mortgage is not a fixed monthly cost if your income is in another currency.
27 September 2026
Signing at the Notary: Completion Day in Spain
Who is in the room, what the notary does and does not do, how the money moves, and what happens after you get the keys.
Rather just ask someone?
Tell us your budget, deposit and nationality and we will tell you what is realistically available from several Spanish banks. Free, no obligation, and no fee to you at any stage.