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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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.

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The Best Mortgage For You

Every financial situation is different, our team will help you understand which mortgage suits you best and then get you the best deal.

Your Spanish Mortgage & Property Plan

Get your personalised Spain mortgage and property plan instantly. Select all fields to see your tailored results.

Where do you pay tax?

Employment type

Where are you buying in Spain?

Purchase price (€)

You’ll get mortgage expectations, a document plan, Spain vs home-country notes, healthcare and residency guidance, local purchase costs and a regional market summary.

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Non-resident Mortgages

As a non-resident, you can borrow up to 70%. The Foxes team are specialsts with helping international buyers, offering a complete service.

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Resident Mortgages

If you are a Spanish resident and pay taxes in Spain you can borrow up to 80% LTV

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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.

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Your details

First Name*

Your First name

Last Name*

Your Last name

Email*

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Phone*

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Your age

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Where do you declare your income?*

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Your date of birth*

Where are you buying in Spain?*

Property purchase price*

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Type of property

What type of property are you buying?

New Property (Off plan)

Resale

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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

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Monthly income*

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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.

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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.

what is my score

Use the sliders to work out what you can afford to borrow and how you score

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Some Important Questions Answered

Documentation, what you can borrow etc

What is the maximum LTV (Loan to value)?

Maximum 70% if you pay tax outside of Spain
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?

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

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.

What types of mortgages are available

Fixed or variable rate mortgages are standard in Spain.

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

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.

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

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.

Buying in Spain - Check Out Some Guides

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Your Spanish Mortgage & Property Plan

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Your details

WE AGREE

Variable Rate

Fixed Rate

Mixed Rate

Property Valuations

Finding a Property

what is my score

Some Important Questions Answered

What is the maximum LTV (Loan to value)?

How does scoring work in Spain?

What is considered as income?

What types of mortgages are available

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?

Buying in Spain - Check Out Some Guides

the lending guide

off plan guide

purchase process guide

advice & help

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