Spanish mortgages in Community of Madrid.

Gran Vía and the Metropolis building, Madrid

Buying in Community of Madrid

Your property in the Community of Madrid, financed with clarity.

Spain’s capital region is its deepest and most liquid property market: prime districts like Salamanca and Chamberí, leafy commuter towns, and the sierra escapes around El Escorial.

Urban markets like Community of Madrid offer year-round liquidity and strong rental demand, which lenders view favourably. For city apartments and townhouses, non-resident financing of up to 60–70% of the property value is typically available, with terms up to 25 years.

Madrid is Spain’s deepest mortgage market: lenders compete hardest here, and turnaround times are typically faster than in smaller regions. Prime districts like Salamanca and Chamberí sit alongside leafy commuter towns such as Pozuelo and Boadilla, and we match the lender to the neighbourhood as much as to your profile.

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

6% Typical ITP on a resale home

Resale homes in Community of Madrid carry a regional property transfer tax (ITP) of around 6% 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 Community of Madrid

Popular areas with our clients.

We arrange financing across the whole of Community of Madrid, including Madrid and these popular areas:

Madrid city Pozuelo de Alarcón Las Rozas San Lorenzo de El Escorial
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 Community of Madrid.

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 Community of Madrid, answered.

Yes. Non-residents from most nationalities can secure a mortgage to buy property in Community of Madrid, 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 Cantabria Castile and León Castilla-La Mancha Catalonia Extremadura Galicia La Rioja Region of Murcia Navarre Valencian Community All areas we cover

Ready to take the next step?

Let's finance your home in Community of Madrid.

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

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Spanish facade with rows of wrought iron balconies