Spanish mortgages in Cantabria.

San Vicente de la Barquera with the Picos de Europa behind, Cantabria

Buying in Cantabria

Your property in Cantabria, financed with clarity.

Between the Bay of Biscay and the Picos de Europa, Cantabria offers elegant Santander, storybook villages like Santillana del Mar, and lush green countryside.

Northern “Green Spain” is increasingly popular with buyers seeking cooler summers and unspoilt landscapes. Lenders finance non-resident purchases in Cantabria just as they do on the Mediterranean coast, typically up to 60–70% of the property value, with terms up to 25 years.

Santander's market moves at a different pace to the coast further south: most buyers here want a lock-up-and-leave near the Bay of Biscay rather than a rental investment, and lenders assess applications with that in mind. Beyond the capital, look at Santillana del Mar, Comillas and the surfing town of Somo, all within easy reach of Santander airport.

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.

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A local cost to know

10% Typical ITP on a resale home

Resale homes in Cantabria carry a regional property transfer tax (ITP) of around 10% 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 Cantabria

Popular areas with our clients.

We arrange financing across the whole of Cantabria, including Santander and these popular areas:

Santander Santillana del Mar Comillas Castro Urdiales
60–70%

Loan-to-Value

Non-residents can typically borrow up to 60–70% of the property value, with terms up to 25 years depending on age and profile.

14-day

Bank Pre-Approval

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 Cantabria.

15+

Lenders Compared

We approach 15+ Spanish lenders on your behalf and present the best options for your profile. 100% independent advice.

Common questions

Mortgages in Cantabria, answered.

Yes. Non-residents from most nationalities can secure a mortgage to buy property in Cantabria, typically borrowing up to 60–70% of the property value with terms up to 25 years depending on age and profile. We work with 15+ Spanish lenders to find the best terms for your situation.
Plan for a deposit of 30–40% of the property value, plus roughly 10–13% for purchase costs (transfer tax, notary, land registry and legal fees). We provide a precise breakdown for your target property during your free consultation.
Yes. That is our speciality. Our multilingual team manages the entire mortgage process remotely for buyers in 10+ countries, from document preparation to liaising with the bank on your behalf, wherever you're based.
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Nearby & further afield

We work across all of Spain.

Andalusia Aragon Asturias Balearic Islands Basque Country Canary Islands Castile and León Castilla-La Mancha Catalonia Extremadura Galicia La Rioja Community of Madrid Region of Murcia Navarre Valencian Community All areas we cover

Ready to take the next step?

Let's finance your home in Cantabria.

Book a free, no-obligation consultation. We’ll assess your situation and show you exactly what’s possible.

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Green cliffs above a turquoise cove on Spain's Atlantic coast