Spanish mortgages in Catalonia.
Buying in Catalonia
Catalonia runs from Barcelona, Spain’s most international property market, up the pine-backed coves of the Costa Brava and into the Pyrenees of Lleida, with the Costa Daurada and Priorat wine hills to the south.
Catalonia is a mature, internationally traded property market, and Spanish banks are well accustomed to lending to overseas buyers here. For apartments, coastal houses or investment properties, 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 Catalonia 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 Catalonia
We arrange financing across the whole of Catalonia, including Barcelona 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 Catalonia.
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 Catalonia:
Barcelona city · Sitges · Castelldefels
Barcelona is Spain’s most international property market: Mediterranean city living, the Maresme and Garraf coasts, and strong long-term demand.
Begur · Cadaqués · Platja d’Aro
The Costa Brava’s pine-backed coves (Begur, Cadaqués, Llafranc) make Girona province the premium choice on Spain’s northeastern coast.
Salou · Cambrils · Sitges border
Roman Tarragona anchors the family-friendly Costa Daurada, with long sandy beaches and the Priorat wine hills just inland.
Vielha · La Seu d’Urgell · Baqueira area
Lleida is Catalonia’s mountain province. The Val d’Aran, the Baqueira-Beret ski slopes and Pyrenean stone villages attract buyers all year round.
Nearby & further afield
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