Spanish mortgages in Andalusia.
Buying in Andalusia
Andalusia is Spain’s busiest region for international buyers. It is home to the Costa del Sol and Costa de la Luz, the cities of Seville, Granada and Córdoba, and the famous white villages in between. From Marbella’s Golden Mile to Cádiz’s Atlantic beaches, it offers the widest choice of coastal and inland lifestyles in the country.
Southern coastal markets like Andalusia see steady international demand, and Spanish lenders are very familiar with financing holiday homes and relocations here. A front-line apartment, a villa with a pool or a townhouse in a historic centre: non-resident financing of up to 60–70% of the property value is typically available.
Wherever in the world you're based, our team compares terms across 15+ Spanish lenders, negotiates on your behalf, arranges your property valuation, and stays with you and the bank right through to completion.
Book a Free Consultation →A local cost to know
Resale homes in Andalusia carry a regional property transfer tax (ITP) of around 7% of the purchase price. New-build homes pay 10% VAT plus stamp duty instead. Treat this as a general guide: the exact rate depends on the price, your circumstances and current regional rules. We confirm the precise figure for your purchase.
Where we help in Andalusia
We arrange financing across the whole of Andalusia, including Seville and these popular areas:
Non-residents can typically borrow up to 60–70% of the property value, with terms up to 25 years depending on age and profile.
Once your documents are submitted in full, we work with the bank to deliver a written pre-approval within 14 days. That is a strong card when negotiating in Andalusia.
We approach 15+ Spanish lenders on your behalf and present the best options for your profile. 100% independent advice.
Common questions
Province by province
We arrange non-resident financing in every province of Andalusia:
Marbella · Estepona · Fuengirola
Home to the Costa del Sol, Málaga province is Spain’s busiest market for international buyers, from Marbella’s Golden Mile to the whitewashed hills of the Axarquía.
Sotogrande · Tarifa · Vejer de la Frontera
Cádiz pairs the polished marinas of Sotogrande with the wild Atlantic beaches of the Costa de la Luz and some of Andalusia’s most beautiful white villages.
Almuñécar · Salobreña · La Herradura
Granada offers a rare combination: the tropical microclimate of the Costa Tropical, the historic city beneath the Alhambra, and Sierra Nevada ski country, all in one province.
Mojácar · Vera · Roquetas de Mar
With Europe’s sunniest climate and the unspoilt coves of Cabo de Gata, Almería remains one of the best-value coastal markets in southern Spain.
Ayamonte · Isla Canela · Punta Umbría
On the border with Portugal’s Algarve, Huelva’s Costa de la Luz offers long golden beaches and golf resorts at prices well below the Mediterranean coast.
Seville centre · Triana · Dos Hermanas
Andalusia’s capital draws buyers seeking historic apartments in one of Europe’s most celebrated cities, with strong rental demand year-round.
Córdoba centre · Priego de Córdoba · Lucena
A UNESCO World Heritage city surrounded by olive groves and the villages of the Subbética, Córdoba is a favourite for character townhouses and rural fincas.
Úbeda · Baeza · Cazorla
Jaén, the world’s olive-oil capital, offers Renaissance towns like Úbeda and Baeza and the Cazorla natural park, with some of Andalusia’s most affordable property.
Nearby & further afield
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