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.
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 15+ Spanish lenders 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.
Book a Free Consultation →