MBA Spain

Mortgages in Spain


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Most banks in Spain offer mortgage facilities to clients and non-clients who be over 25 and have a fixed employment contract or have been self-employed for at least 3 years.

Residents can, in theory, borrow up to 90% of the value of the property. Non-residents can only borrow up to 60% and 50% but not all banks will lend to non-residents.

Getting a mortgage with a Spanish bank does have important advantages:
  • Low interest rates.
  • Favorable write off conditions.
  • No expensive bank commissions caused by international bank transactions.
Mortgages are available for up to 25 years, although 10 or 15-year mortgages are the most common.

It is advisable using a Spanish Mortgage Broker, it can help you to negotiate with the bank and obtain the best Spanish mortgage deal.

Mortgage Companies

Casa Hipoteca

Casa Hipoteca CasaHipoteca S.L. is an independent mortgage broker specialising in Spanish Mortgages for Non Residents.
Casahipoteca works with all of the major lenders in Spain. The lenders offering their services in Spain are not only Spanish lenders, but also UK Dutch, and many other Northern European lenders.

Website: Casa Hipoteca

Property Mortgage Partnership

Property Mortgage Partnership Property Mortgage Partnership has over 40 years experience within Law, Finance, Real Estate and the Travel and tourism industry. Property division was formed to assist clients with very specific criteria in their property requests. The Property Mortgage Partnership has worked with all of the banks for six years.

Website: Property Mortgage Partnership

Mortgages Guide

Mortgages Guide A mortgage represents a loan or lien on a property/house that has to be paid over a specified period of time. Think of it as your personal guarantee that you'll repay the money you've borrowed to buy your home. Mortgages come in many different shapes and sizes, each with its own advantages and disadvantages. Make sure you select the mortgage that is right for you, your future plans, and your financial picture.

Website: Mortgage

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MBA Spain