Buyer Guides
Mortgages in Spain
How Spanish mortgages work for residents and non-residents.
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Spanish banks lend to residents and non-residents. Loan-to-value, term and rate depend on residence, income and the property. For off-plan purchases the mortgage is usually drawn at completion. Compare offers through a broker or several banks.
Related guides
Buyer Guides
Buying Off-Plan Property
How reservations, private purchase contracts, stage payments and bank guarantees work when buying off-plan.
Buyer Guides
Buying as a Non-Resident
NIE, bank account, mortgages and taxes for buyers who live outside Spain.
Buyer Guides
Buying Through a Company
When buying through a company may or may not make sense – and why to take tax advice first.