Mortgages
How Spanish lending actually works: what banks lend, what they check, what it costs, and how to get a yes as an international buyer.
Where to start
The three to read firstCan foreigners get mortgages in Spain?
The ground rules: who can borrow, how much, and what changes as a non-resident.
What to expect when applying for a Spanish mortgage
The process end to end, from first documents to signing at the notary.
Looking for a mortgage broker in Spain? How to choose the right one
The questions to ask, the fees to expect, and the red flags to walk away from.
All mortgages articles
Newest firstBuying property in Spain: the 2026 guide for buyers in the UAE and the Gulf
Spain has quietly become the Gulf's favourite corner of Europe. Marbella jumped from 35th to 5th place in the BARNES City Index...
Buying property in Spain: the 2026 guide for Irish buyers
Around 2,300 Irish buyers complete a Spanish purchase every year, roughly three quarters buying from Ireland and the rest already living in...
Looking for a mortgage broker in Spain? How to choose the right one
The broker you choose affects the rate you pay every month, which banks ever see your file, and whether your mortgage is...
Does Spain Have a Credit Score? What Banks Actually Check Before Saying Yes
Spain does not have a credit score. There is no three digit number, no Experian or FICO rating, and no points to...
Buying property in Spain from the Netherlands: the 2026 guide
Dutch buyers are now the fastest-growing group in the Spanish property market, and in 2025 they overtook both Germans and Britons to...
Can you get a Spanish mortgage with bad credit?
Sometimes, yes. See what Spanish banks actually check, which credit problems are placeable, and get a straight answer in our 60-second eligibility...
What could you borrow?
Live rates and real buying costs in the calculator, or a straight eligibility answer in 60 seconds.
Which UK Banks Offer Spanish Mortgages?
Here is the honest answer before you read anything else: in 2026, essentially none of them do. No UK high street bank...
Spanish mortgages for US citizens: the complete guide
Last reviewed August 2026Yes, Americans can get a mortgage in Spain. You do not need to be a resident, you do not...
Fixed or variable mortgage in Spain: which should you choose?
For most international buyers in 2026, fixed. Why, with the rates we are placing, a worked example on 175,000 euros, the fee...
Can foreigners get mortgages in Spain?
Yes, foreigners are able to get mortgages in Spain. However, there are a few things that you need to be aware of...
Why Non-Residents Should Consider Getting a Mortgage
If you're not Spanish or a Spanish resident, you might think that getting a mortgage to buy property in Spain is out...
How long does it take to get a mortgage in Spain?
Six to twelve weeks is normal. The six stages, the ten days the law will not let anyone shorten, and how to...
How to get a mortgage in Spain: the complete guide for international buyers
You get a Spanish mortgage from a Spanish bank, secured on the Spanish property, and as a non-resident you can borrow up...