Spanish mortgage calculator for non-residents

Find out how much a Spanish bank would lend you — non-residents are typically capped at 70% loan-to-value, residents at 80% — and the cash you'd need at completion.

Spanish banks lend to non-residents, but usually up to 70% of the purchase price (loan-to-value), against 80% for residents. The toggle below is the single biggest factor in what you can borrow. Enter the price, your deposit, an interest rate and a term to see your maximum loan, the monthly repayment, and the total cash you'd need at completion including taxes and fees.

Since the 2019 mortgage law the bank covers the notary, registry and stamp duty on the loan — you pay only the property valuation (around €300–600). A broker can compare Spanish banks for you, often at no cost. When you're ready, send your details below and our mortgage partner will come back with real rates.