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Mortgage options

Spanish mortgages — the options

Spain has an extremely competitive mortgage market, with plenty to choose from when it comes to loans. We work with all the major Spanish banks and active financial institutions to find the right one for you.

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For buyers

Purchase mortgages

Non-Resident Mortgages

For buyers living outside Spain. Typically up to 70% LTV, fixed or variable rates, terms to 25 years. We know exactly which banks lend to which nationalities.

Resident Mortgages

For buyers living and working in Spain, with Spanish tax residency. Access to the widest range of products, higher LTVs and the most competitive rates.

Mortgages for US Citizens

A dedicated service for US citizens buying in Spain — lenders, documentation and tax considerations handled by specialists who do this daily.

For owners

Equity, refinancing & later life

Equity Release & Capital Raising

Release capital tied up in your Spanish property for other purchases, investments or family needs.

Over-65s Lifetime Mortgages

Spanish lifetime mortgages that let older homeowners unlock value without monthly repayments.

Remortgaging & Refinancing

Move to a better rate, change terms, or raise additional funds against your existing Spanish property.

Specialist lending

Build, invest & bridge

Self-Build & Construction

Stage-released finance for constructing a property in Spain, from land purchase through to completion.

Commercial Mortgages

Finance for Spanish commercial property and business premises, arranged with specialist lenders.

Alternative Residential & Bridging

Short-term and non-standard lending for complex purchases, auction buys and chain-breaking.

Related: we also arrange Spanish mortgage-related insurance — life and home cover required alongside your loan.
Not sure which fits?

Tell us your situation — we'll tell you your options.

A short conversation with one of our specialists will narrow the field quickly. It's free, and there's no obligation.

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