Our services.

The mortgages we secure for non-residents in Spain — whether you're buying, refinancing or building. Curious what happens next? See how the process works.

01 · Purchase mortgages 02 · Refinancing 03 · Construction finance
White Mediterranean villa terrace overlooking the sea
Our services

The mortgages we arrange.

Whatever your goal — buying, refinancing, or building — we compare 15+ Spanish lenders and secure the right financing for non-residents. Here is what we do.

01

Purchase Mortgages

Competitive financing for non-resident purchases across all of Spain, up to 70% loan-to-value.

Explore →
02

Refinancing

Switch to better rates, release equity, or restructure the mortgage on a home you already own.

Explore →
03

Construction Finance

Staged finance for building your own home, with guidance through Spanish build requirements.

Explore →
Bright Spanish home opening onto a sea-view terrace

01 · Purchase mortgages

Financing your place in the sun.

From apartments to villas, we secure competitive financing for non-resident property purchases across all of Spain. Lenders typically offer non-residents up to 60–70% of the property value, with terms up to 25 years depending on your age and profile.

We approach 15+ lenders on your behalf, negotiate terms, and present the options best suited to you. Then we handle the application through to completion.

  • Up to 70% loan-to-value for non-residents, on both resale and new-build homes
  • Terms up to 25 years, with fixed, variable or mixed rates
  • Available across all of Spain — coast, city or countryside
  • Most nationalities accepted, whether employed, self-employed or retired
Start with a Free Consultation →

02 · Refinancing

Better terms for the home you already own.

Already own property in Spain? We can help you refinance to better rates, release equity for a new project, or restructure your existing mortgage so it works harder for you.

Because we're independent and work across 15+ lenders, we can check your current terms against the whole market, and tell you honestly whether switching is worth it.

  • Rate switch — move to a lower fixed, variable or mixed rate
  • Equity release — free up capital for a renovation or a second purchase
  • Whole-of-market check — we only recommend switching if the numbers stack up
  • A possible Spanish Wealth Tax benefit, since mortgage debt reduces your taxable net worth
Review My Mortgage →
A Viva Mortgages Spain advisor reviewing a mortgage document at his desk
Modern white villa with pool overlooking the Mediterranean

03 · Construction finance

Your new build, financed stage by stage.

Building in Spain involves a different financing structure: funds are released in stages as your build progresses. We arrange staged construction finance and guide you through Spanish build requirements: licences, valuations and certifications included.

Our team coordinates with your architect and builder, and works with the bank at every stage, so financing never holds up the build.

  • Staged drawdown — funds released as the build hits each certified milestone
  • Guidance through licences, valuations and certifications
  • We coordinate with your architect and builder, and keep the bank in step
  • Land purchase plus build can often be financed together
Discuss Your Project →

Fixed, variable or mixed

Rate types, explained simply.

Fixed

Payment certainty

Your rate and your monthly payment stay the same for the entire term. Ideal if you value predictability over chasing the lowest starting rate.

Variable

Linked to Euribor

Variable rates track the Euribor and typically start lower, but your payment can move up or down over time as the index changes.

Mixed

Best of both

Fixed for an initial period, then switching to variable. Some lenders offer hybrid structures that balance certainty and flexibility.

Read our fixed vs variable guide →

Focused on you, wherever you are

Serving buyers from 10+ countries.

Our team works with clients across Europe, the Americas, the Middle East and beyond. When needed, we run the whole process remotely, from first call right through to completion.

A mortgage can also be a smart fiscal tool: as a debt against the property, it reduces your net worth for Spanish Wealth Tax and can support inheritance planning. We work alongside tax advisors to structure things properly.

How mortgages reduce wealth tax →
10+
Countries served
15+
Lender partners
4.9/5
Client rating

Service questions

Mortgage services, explained.

Spanish lenders typically finance up to 60–70% of the property value for non-resident buyers, with terms up to 25 years depending on your age and profile. The exact figure depends on your income, nationality and the property itself. We compare 15+ lenders to find your best terms.
Yes. Through refinancing we can help you release equity from an existing Spanish property: for renovations, a second purchase, or restructuring your finances. We benchmark your current mortgage against the whole market first, so you know whether it's worth it.
Construction finance in Spain is released in stages as your build progresses, with each stage typically certified by the architect and verified by the lender. We arrange the staged structure and coordinate with your architect and builder, working with the bank at every stage so financing never holds up the build.
It depends on your goals and appetite for risk. Fixed rates give payment certainty for the whole term; variable rates track the Euribor and typically start lower; mixed mortgages combine both. We explain the trade-offs for your specific plans before you decide.
All 18 Spanish mortgage FAQs →

Ready when you are

Tell us your goal. We'll map the route.

Book a free, no-obligation consultation and get a clear picture of what's possible for your situation.

Book a Free Consultation →
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