Mortgage desk
See what you could borrow — free, no obligation
A quick estimate of your borrowing power and the cash you'll need at completion. Our mortgage partner then compares Spanish banks for you, free of charge.
Are you a Spanish tax resident?
Max loan (70% LTV, No — non-resident)
€210,000
At 3.4% over 25 years
Estimated monthly payment
€1,040/month
Cash needed at completion
€112,730
Price minus loan, plus taxes & costs
You'll need €22,730 more than your stated deposit to cover this.
Transfer tax (ITP) 6.5%€19,500
Notary (regulated tariff)€870
Land Registry€610
Independent lawyer (recommended)€1,300
Bank valuation for mortgage€450
Estimates only, not financial advice. All lending is subject to bank approval, valuation and your individual circumstances.