Spain Location Matcher

A simple one minute quiz that turns your budget, lifestyle and flight plans into a clear shortlist of Spanish areas.

Find your perfect place in Spain
Answer a few quick questions about your budget, lifestyle, climate and flights. We will suggest Spanish areas that are likely to suit you.
Step 1 of 1
Takes around 1 minute
Your matches in Spain
Complete the questions and we will show up to three suggested regions, with typical property types, guide prices and travel times.
These matches are a starting point only. Prices and micro areas inside each region vary a lot. If you would like a human view, we can talk you through locations and mortgage options in a short call.
Check my mortgage options Book a free call
Guidance only, this is not financial advice or a formal mortgage offer.

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

General Mortgage Questions

Documentation, what you can borrow etc

How much can I borrow?

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 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.

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.

What is the maximum LTV (Loan to value)?

Up to 70% for non Spanish residents
Up to 80% for Spanish residents

The value of the loan will be based on the property valuation or the property price, whichever is lower.

Can I release equity from my Spanish property?

Releasing equity or remortgaging an existing property in Spain is incredibly difficult since the financial crisis in 2009. It is not impossible, but every situation is different. Please get in touch to find out what your specific situation is

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 or P60
  • Your last three payslips
  • Details of other properties you own including any potential rental income
  • A bank statement of the last 6 month
  • An Experian credit report

advice & help

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