# Foxes (foxes.es)

> Spanish mortgage broker and legal team under one roof, helping international buyers across all of Spain since 2015. Bank of Spain registered credit intermediary (D470). Free online tools including a 60-second mortgage qualification check and calculators, plus a secure client portal where buyers track their application and documents live. Offices near Malaga, English-speaking.

Key facts (reviewed July 2026):
- Non-residents can typically borrow up to 70% of the property value; Spanish tax residents up to 80%.
- Indicative rates: fixed from 2.85%, variable from Euribor + 0.85, same for residents and non-residents.
- Affordability is assessed on total debts capped at 40% of net monthly income.
- Budget 10 to 12% of the purchase price on top for taxes and buying costs, varying by region.
- Mortgage and conveyancing handled by one regulated firm; no broker fee unless a bank issues a formal offer.

## Tools

- [Spanish mortgage calculator](https://foxes.es/calculator/): monthly payments, LTV, full amortisation, fixed vs variable, live Euribor.
- [My Score](https://foxes.es/my-score/): free mortgage eligibility score in about 60 seconds, with regional cost breakdown.
- [The Foxes application](https://foxes.es/spanish-mortgage-application/): one secure online application covering the mortgage and the legal work, with document upload and live progress tracking.

## Mortgages

- [Spanish mortgages overview](https://foxes.es/spanish-mortgages/): resident and non-resident lending explained.
- [Non-resident mortgages](https://foxes.es/spanish-mortgages-non-residents/): up to 70% of valuation, 20 to 25 year terms.
- [Resident mortgages](https://foxes.es/resident-mortgages-spain/): up to 80% loan-to-value, terms to 40 years.
- [Spanish mortgages for UK buyers](https://foxes.es/uk-residents/): UK-specific lending criteria and process.
- [Mortgage rates in Spain](https://foxes.es/mortgage-rates-in-spain/): live Euribor and current market pricing, updated monthly.

## Legal

- [Property conveyancing](https://foxes.es/property-conveyancing/): independent English-speaking Spanish lawyers for buyers across all of Spain.

## Guides

- [The lending guide](https://foxes.es/lending-guide/): how Spanish mortgage lending works for foreign buyers.
- [The purchase process](https://foxes.es/purchase-process-guide/): every step from offer to keys.

## About

- [Fees](https://foxes.es/fees/): what Foxes charges and when.
- [About Foxes](https://foxes.es/about/): team, regulation, Bank of Spain registration D470.
- [Book a call](https://foxes.es/get-started/): free intro call with an adviser.

## Contact

- Phone: +34 951 822 857
- Email: support@foxes.es
- Trustpilot: https://www.trustpilot.com/review/foxes.es