Spanish mortgage calculator.
Estimate your monthly payment, loan-to-value and the total cash you need to buy in Spain as a non-resident. Free, instant, and no details required to see your numbers.
Estimate your monthly payment, loan-to-value and the total cash you need to buy in Spain as a non-resident. Free, instant, and no details required to see your numbers.
Non-residents typically qualify for up to 70% of the property price. That means a deposit of at least 30%, on top of purchase taxes and fees.
Purchase taxes, notary and registry fees vary by region and property type. The calculator uses a prudent 12% estimate so you are not caught short. Our own brokerage fees are published separately on our fees page.
Most Spanish lenders cap the repayment term at 20 to 25 years for non-residents, depending on your age and profile. Fixed, variable and mixed rates are available.
Reading your results
The calculator gives you a realistic first picture, but the rate and term you are actually offered depend on your income, residence country and the lender. That is where we come in: we compare your profile against the top 5 Spanish banks for non-residents and negotiate the terms for you.
See our services and how it works →Like what you see?
Book a free, no-obligation consultation. We will assess your situation against real lending criteria and send you a personalised mortgage quote.
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