Online Applications & Fast Approvals

Spanish Mortgages for International Property Buyers

Easy Online Spanish Mortgage Applications For International Buyers of Holiday Homes In Spain

Apply Online Now

apply in under a minute

Mortgage Requirements

3

Your Age

The main mortgage applicant must be no older than 65.

75 is the oldest an applicant can be when the mortgage is completed.

65

maximum age

3

Your Income

You must earn a minimum of €2,000 a month, after-tax

If your income is below that threshold, it would be very difficult to qualify.

€2,000

minimum monthly income

3

Property Price

Our minimum purchase price is €100,000

If your purchase price is below 100k then we recommend reaching out directly to a bank in Spain.

€100k

minimum purchase

How does it work

1. Get started

click the button to submit your interest.

start here

2. Discovery call

Discuss your purchase with a mortgage expert

3. Online application

Complete your application online and start receiving mortgage offers

Frequently Asked Questions

Who can apply?

Anybody with an income over 2000 Euros a month, who is 65 or younger and is buying a property over 100,000 Euros can apply.

What types of mortgages are available

Fixed or variable rate mortgages are standard in Spain. There is a mixed rate available as well.

There are no interest-only mortgages, only capital repayment.

What documents do the banks require?

Copies of your Passport / NIE (for all parties that will be on the mortgage)
Your most recent tax declaration (unless tax exempt)
Your last three payslips
Details of other properties you own including any potential rental income
A bank statement of the last 6 month
Credit report (If applicable to your country)

What is considered as income?

Banks in Spain will only accept income which can either be shown on a tax return or comes from earnings from a property with rental agreements in place.

Does age effect the loan period?

You can be no older than 75 / 80 years of age when the mortgage completes. If you are 60 years old then the maximum term is 15-20 Years. If you are unsure, get in touch.

How does scoring work in Spain?

The amount you can borrow depends on your debt to income ratio. Most Spanish lenders will not lend money if your combined outgoings (mortgages & loans) add up to more than 40% of your total net (after-tax) income.

We have an in-house risk assessment team, that can help you understand what you can borrow. Get in touch here

Is there a fee to find out what I can borrow?

No, we do not charge to check what you can borrow, or even to get an official offer from one of our lenders. We only charge if you decide to accept an offer from the bank to purchase a property.

simple & fast mortgage application

Get Answers Fast

We have our own risk team that can quickly evaluate your situation and determine which banks will lend you the most money at the best rates.

5 star service

We work hard for our customers. Applying for a mortgage in a foreign country is not always easy! You can read our reviews online

No upfront fees

There is no charge for submitting an application or receiving an offer. Only once you are happy will you need to pay for any service. View fees here.

Start application

Please complete the form, and schedule a call with the mortgage team

"*" indicates required fields

Company

This field is for validation purposes and should be left unchanged.

This field is hidden when viewing the form

Your details

First Name*

Your First name

Last Name*

Your Last name

Email*

Your email address

Phone*

Your contact telephone

This field is hidden when viewing the form

Your age

This field is hidden when viewing the form

Where do you declare your income?*

This field is hidden when viewing the form

Your date of birth*

Where are you buying in Spain?*

Property purchase price*

This field is hidden when viewing the form

Type of property

What type of property are you buying?

New Property (Off plan)

Resale

Not sure

Important. The minimum purchase is 100,000 Euros

Most banks in Spain have a minimum amount they will lend, which means we cannot help secure financing on properties priced lower than 100,000 Euros. Please select a higher price range if you wish to continue

This field is hidden when viewing the form

Monthly income*

This field is hidden when viewing the form

Monthly debt*

create an account to start your 100% paperless mortgage application



Get Answers Fast

We have our own risk team that can quickly evaluate your situation and determine which banks will lend you the most money at the best rates.



Free Expert Advice

We do not charge to get you an offer or to do a pre-qualification check to see if you are eligible.

Z

100% Turnkey Service

Our mortgage & legal team can handle everything here in Spain, meaning you can buy from the comfort of your home

get protected, apply with confidence

Variable Rate

All variable rate mortgages in Spain are linked to the Euribor.

If you pick a variable rate mortgage your payments will be tied to any fluctuations in the market which at present despite recent rises is expected to start reducing through 2024

Fixed Rate

A fixed rate mortgage will 'fix' your mortgage payments for the whole term of the loan. The rates on offer are higher than variable rate mortgages, but you can better plan for your future and be in more control of your finances.

A fixed rate will not change throughout the life of the mortgage!

Mixed Rate

Some lenders in Spain offer a mix of both fixed and variable rates. For example, you could agree to fix the first 5 years of the mortgage and then move to a variable rate.

These type of mortgages are not offered by all lenders, so please speak to one of our advisors to find out more.

not just a mortgage company...

Property Valuations

Valuations on properties are done by 3rd parties chosen by the bank, our team have close contacts with all the main valuation companies to ensure it is done quickly and efficiently.

Finding a Property

Speak to the team about our exclusive selection of new developments and our carefully chosen network of agents throughout Spain and the Islands.

Mortgage advice you can trust

We do not charge you for the advice we give, we only charge you if we present you with a mortgage with all the relevant financial details, costs and terms.

Our service is 100% transparent, if you do not like the deal on offer then you are under no obligation to use our services.

We are a fully registered finance & legal Spanish company.

Reilly

Foxes we’re absolutely fantastic!

Peter & Nicola Reilly

My wife Nicola and I bought our property in Lanzarote in December. Throughout the whole process Gareth and the team at Foxes we’re absolutely fantastic!
I couldn’t recommend them enough. They guided us through every step and a lot of bumps along the way. Nothing too much trouble and every issue dealt with and solved. The biggest thing is we trusted them and that was justified!!
Thanks Gareth, Matt, Cristian and Alejandro.

advice & help

click the button for mortgage, legal & property help

BOOK A CALL

Your Age

maximum age

Your Income

minimum monthly income

Property Price

minimum purchase

1. Get started

2. Discovery call

3. Online application

Who can apply?

What types of mortgages are available

What documents do the banks require?

What is considered as income?

Does age effect the loan period?

How does scoring work in Spain?

Is there a fee to find out what I can borrow?

Start application

Your details

Variable Rate

Fixed Rate

Mixed Rate

Property Valuations

Finding a Property

advice & help

Visit Us

Who are we

Schedule call