Apply for a mortgage in Spain

Buying a property in Spain is an exciting milestone. For many foreign buyers, however, the mortgage is one of the most demanding parts of the process. Whether you are a resident or a non-resident, when you apply for a mortgage in Spain you go through specific legal and financial steps that need care and experience.

I advise international clients on the complete legal process of buying a property in Spain. To support them even better, I also help them obtain their mortgage, so purchase and financing move forward together.

Can a foreigner apply for a mortgage in Spain?

Yes. Spanish banks offer mortgages to both residents and non-residents. For non-residents, banks usually lend up to 60–70% of the value of the property, and the conditions vary significantly from one bank to another.

As a foreign buyer, you may face challenges such as:

• different documentation requirements;
• language barriers;
• unfamiliar local financial regulations;
• interest rates and conditions that differ between banks.

What banks usually ask for

Each bank sets its own requirements, but they normally ask for:

• your passport and NIE;
• proof of income and tax returns;
• bank statements and details of your current debts;
• a valuation of the property by an approved valuer.

I prepare with you the list of documents your bank requires, so the application is complete from the start.

How I help you with your mortgage

• Understand the mortgage options available for your profile.
• Compare offers from different Spanish banks.
• Collect and prepare the required documents.
• Negotiate the terms and conditions with the bank.
• Coordinate the whole process, so the legal and financial sides are aligned.

Your legal protection before signing

Spanish law gives mortgage borrowers specific protections. The bank must give you the binding offer (FEIN) and the draft contract at least 10 calendar days before signing. Before the mortgage deed is signed, you also meet the notary, who checks that you have received the documents and explains the conditions to you.

I review the binding offer and the mortgage deed with you, so you understand what you sign before you sign it.

One integrated service for your purchase

Combining legal advice on the purchase with mortgage support means you do not have to deal with several intermediaries. The goal is that your purchase in Spain is secure, well structured and free of surprises.

Whether you are buying a holiday home, an investment property or relocating permanently, I guide you from the first consultation to the signing at the notary, including the financing. Read more in Buying a property in Spain: what foreign buyers need to know and about my work as a real estate lawyer in Seville.

Get started

If you are planning to apply for a mortgage in Spain, download my private guide, Purchasing a home in Spain, or request a private consultation to review your situation.

This article contains general information and does not replace personalised legal or financial advice.