EXPERT Spanish Mortgage Help & Advice. Start your application today
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In-house risk team that can quickly evaluate your situation and determine which banks will lend you the most money at the best rates.
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As a non-resident, you can borrow up to 70%. The Foxes team are specialsts with helping international buyers, offering a complete service.
If you are a Spanish resident and pay taxes in Spain you can borrow up to 80% LTV
simple, fast & online applications
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
WE AGREE
Spain has so much to offer
From magnificent scenery and beaches to world-famous cuisine and a storied past, as well as iconic museums and breathtaking architecture, Spain has it all.
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 will not change throughout the life of the mortgage!
Mixed Rate
These type of mortgages are not offered by all lenders, so please speak to one of our advisors to find out more.
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.
what is my score
Use the sliders to work out what you can afford to borrow and how you score
Some Important Questions Answered
Documentation, what you can borrow etc
What is the maximum LTV (Loan to value)?
Maximum 80% for Spanish taxpayers (70% on second homes)
The value of the loan will be based on the property valuation or the property price, whichever is lower.
How does scoring work in Spain?
We have an in-house risk assessment team, that can help you understand what you can borrow. Get in touch here
What is considered as income?
What types of mortgages are available
There are no interest-only mortgages, only capital repayment.
Is there a fee to find out what I can borrow?
Does age effect the loan period?
Can I release equity from my Spanish property?
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
Mortgage advice you can trust
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.
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.
Absolutely amazing service from start to finish (and beyond!). Kept us totally informed all the way through, not once did we have the need to chase anything or follow things up, even though we gave Foxes an almost unachievable completion target having been messed about beyond belief directly by a Spanish Bank (nothing whatsoever to do with Foxes). We absolutely cannot recommend the team at Foxes highly enough, the service was superb. Thanks in particular to Cristian, Mat & Gareth - without you guys we'd not have made the completion date! Thanks again, will NEVER use anyone else. Unfortunately Trustpilot only allows 5 stars as a maximum, but would like to give more!
Helpful company who kept us well informed and advised. Efficient and well organised so home purchase went smoothly despite a short timescale. Thank you
Did everything they said they would in a professional, helpful manner . I have a long standing relationship with my bank and the people who work there. It was important Foxes did nothing to damage that relationship and true to their word they were courteous yet thorough when defending my claim, so much so that the staff at my bank commented on the professionalism of the Foxes staff. I will use their services again and have already recommended them to my friends and family.
These guys are very professional, speedy and do what they say they will do. They are a company I would recommend.
Very pleased with the outcome Foxes achieved for us. I am based in the UK and had attempted to deal with the Spanish bank directly but without success. Foxes made the whole process very easy and I have no hesitate in recommending them. Their fees were very reasonable.
Buying in Spain - Check Out Some Guides
the lending guide
Everything you need to know about the banks in Spain and their requirements
off plan guide
In this help guide, we will cover the purchase process, legal checks and what you need to know about getting financing on an off-plan property in Spain.
purchase process guide
Buying in Spain? This guide will walk you through each step and answer many of your questions.
advice & help
click the button for mortgage, legal & property help