Spanish mortgages in Basque Country.
Buying in Basque Country
From San Sebastián’s La Concha bay to Bilbao’s Guggenheim-led renaissance and the Rioja Alavesa wine villages, the Basque Country pairs premium coastal addresses with one of Spain’s strongest regional economies.
Northern “Green Spain” is increasingly popular with buyers seeking cooler summers and unspoilt landscapes. Lenders finance non-resident purchases in Basque Country just as they do on the Mediterranean coast, typically up to 60–70% of the property value, with terms up to 25 years.
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 Basque Country carry a regional property transfer tax (ITP) of around 4-7% 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 Basque Country
We arrange financing across the whole of Basque Country, including Vitoria-Gasteiz 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 Basque Country.
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 Basque Country:
Bilbao · Getxo · Mundaka
Anchored by Bilbao’s Guggenheim-led renaissance, Biscay pairs a sophisticated city market with surf towns like Mundaka along the rugged Basque coast.
San Sebastián · Hondarribia · Zarautz
San Sebastián’s La Concha bay is one of Europe’s most desirable addresses; Gipuzkoa’s coastal towns command premium prices and hold value exceptionally well.
Vitoria-Gasteiz · Laguardia · Amurrio
Álava blends Vitoria-Gasteiz, often ranked among Spain’s most liveable cities, with the Rioja Alavesa wine villages beneath the Sierra de Cantabria.
Nearby & further afield
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