Spanish Mortgage Offers for UK Residents

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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.

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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. Have a quick chat with one of our mortgage experts to find out if you qualify.

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100% Turnkey Service

Our mortgage & legal team can handle everything here in Spain, meaning you can buy from the comfort of your home

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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call us 0208 089 1945 or click here for us to call you

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You live & pay tax in the uk?

As a UK resident, you can qualify for a mortgage from a Spanish bank up to a maximum of 70% of the purchase price.

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What documents do you need?

To qualify you will need to present a passport, credit report, 2 years tax returns, and bank statements.

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

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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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Monthly debt*

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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

click to get score

Some Important
Questions Answered

Documentation, what you can borrow etc

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.

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.

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Your Spanish Mortgage & Property Plan