Buying Property in Spain from Switzerland with a Mortgage in 2025
7 August 2025
Essential Information for Swiss Buyers: How Much You Need, What to Prepare, and How to Get Started
In recent years, Spain has become one of the top destinations for Swiss nationals seeking a holiday home, a retirement property, or a long-term investment. In 2025, this trend continues strongly, driven by Spain’s excellent climate, coastal lifestyle, competitive real estate prices, and quality healthcare system.
If you are a Swiss citizen considering buying a property in Spain with financing, this guide explains everything you need to know about the process. From the required savings to the paperwork involved, this article gives you a detailed, up-to-date overview of how to buy real estate in Spain from Switzerland using a mortgage.
Can Swiss Nationals Apply for a Mortgage in Spain?
Yes, Swiss citizens can apply for a mortgage in Spain, even if they are not tax residents in the country. Spanish banks welcome non-resident applicants, but they apply different conditions compared to Spanish residents.
In 2025, the maximum financing available to non-residents is typically 60% to 70% of the property’s purchase price or official valuation, whichever is lower. This means that Swiss buyers are expected to provide a down payment of at least 30% to 40% of the property price from their own savings. In some cases, especially for high-end properties or more complex profiles, the bank may require an even higher contribution.
For example, if you are purchasing a property valued at €600,000 in Spain, you will likely need to invest between €180,000 and €240,000 upfront just for the down payment.
Additional Expenses You Must Prepare For
In addition to the down payment, there are several purchase-related costs you need to consider. These include:
- Transfer taxes or VAT, depending on whether the property is new or second-hand.
- Legal fees, usually around 1% of the purchase price.
- Notary and land registry fees, which can amount to approximately 1%–1.5%.
- Mortgage arrangement and valuation costs, which vary by bank.
- Translation and sworn documentation costs, especially for Swiss documents in German, French or Italian.
In total, the additional costs generally amount to 10%–15% of the purchase price. Combined with the down payment, Swiss buyers should plan to have between 40% and 55% of the property’s price available in savings before applying for a mortgage.
For a €600,000 home, this means having at least €240,000 to €330,000 ready to cover all initial costs.
Required Documents for Swiss Applicants in 2025
Spanish banks are highly regulated and require extensive documentation to approve a mortgage for non-residents. If you are employed, self-employed, or retired in Switzerland, you must provide official and up-to-date documents to demonstrate your income, financial stability, and creditworthiness.
In 2025, the required documentation for Swiss citizens includes:
- Recent salary slips (usually last 3 months).
- Tax declarations (last 2 years, with official translations if not in English or Spanish).
- Bank statements showing regular income and available savings.
- Confirmation of other assets or liabilities (mortgages, loans, etc.).
- Credit report or debt register extract (e.g., from ZEK or CRIF).
- Employment contract or pension documentation, depending on your situation.
- Passport and proof of address in Switzerland.
- NIE (Spanish Foreigner Identification Number) – mandatory for buying property.
- A Spanish bank account in your name.
- Draft or signed reservation/arras agreement for the selected property.
It’s essential to ensure all documents are recent, clearly legible, and translated into Spanish by a sworn translator. Some banks also request documents to be apostilled for international validity.
Understanding the Mortgage Process from Switzerland
Applying for a mortgage in Spain as a Swiss national involves several coordinated steps:
- Financial Pre-Assessment: A mortgage broker will evaluate your eligibility and calculate your maximum budget based on Spanish lending criteria.
- NIE Application: Before purchasing, you must obtain a NIE, which can be requested at a Spanish consulate or through a legal representative.
- Opening a Spanish Bank Account: Required for both the property transaction and the mortgage.
- Property Selection: Once you have selected a property and signed a reservation contract, the mortgage application process can begin.
- Submission of Documents: Your mortgage broker will prepare and present the full mortgage application to one or more Spanish banks.
- Bank Evaluation and Offer: The bank will analyze your profile and issue a binding offer (known as “FEIN”) if approved.
- Notary Appointments and Signatures: After a mandatory “cooling-off” period, you’ll sign the public deed of sale and the mortgage before a notary.
This process typically takes between 6 and 10 weeks, depending on how quickly you submit documentation and how efficient the parties involved are.
Why Work with a Mortgage Broker in Spain?
Buying property abroad involves different legal systems, languages, and banking procedures. As a Swiss citizen, you are used to a very specific financial culture, and the Spanish mortgage market may seem unfamiliar at first. This is why working with a mortgage broker licensed by the Bank of Spain is highly recommended.
At Mortgage in Spain- Mortgage Broker , we help clients from Switzerland manage the full mortgage process from start to finish. Our team speaks multiple languages and understands the financial documentation issued in Switzerland. We make sure your file is presented in a format that Spanish banks accept, avoiding costly delays or misunderstandings.
Our advantages include:
- Personalized assessment before property hunting
- Assistance with NIE and Spanish bank account
- Tailored mortgage offers from top banks
- Connection with lawyers, real estate agents, and notaries
- No cost to the client – our service is paid by the bank
We are a mortgage broker licensed by the Bank of Spain, with over 15 years of experience and a 99% mortgage approval rate for non-resident buyers.
If you’re considering buying a home in Spain from Switzerland in 2025, now is the time to start preparing. Ensure you have enough savings to cover both the down payment and additional costs, and seek the guidance of experienced professionals who understand both Swiss and Spanish financial systems.
At Mortgage in Spain, we’re ready to guide you step by step—securely and efficiently.
Contact us today to receive your personalized mortgage plan.
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When evaluating a mortgage application, Spanish banks conduct a thorough financial assessment to determine whether an applicant is creditworthy. They require credit reports from both your home country and country of residence to: ✅ Verify Your Financial Health – Ensure you have a good history of managing debts responsibly. ✅ Check for Undisclosed Liabilities – Spanish banks need to confirm that you do not have additional mortgages or loans that were not initially declared. ✅ Assess Your Repayment Ability – By analyzing your debt-to-income ratio, banks determine whether you can afford a Spanish mortgage without financial strain. Having a clean and transparent credit history significantly improves your chances of mortgage approval. Any discrepancies or missing information may lead to delays or even rejection. How to Obtain Your Credit Report Online in Europe? To streamline your mortgage application, you should obtain your credit report in advance . Below is a list of official websites where you can request your credit report online from different European countries: 🔹 United Kingdom – http://www.equifax.co.uk or http://www.experian.co.uk 🔹 Germany – http://www.meineschufa.de 🔹 France – http://particuliers.banque-france.fr 🔹 Italy – http://www.bancaditalia.it/compiti/vigilanza/centrale-rischi 🔹 Spain – http://www.bde.es/wbe/es/para-ciudadano/gestiones/informacion-riesgos-cir 🔹 Netherlands – http://www.bkr.nl 🔹 Belgium – http://www.nbb.be/en/central-credit-individuals 🔹 Austria – http://www.ksv.at 🔹 Sweden – http://www.uc.se 🔹 Denmark – http://www.experian.dk 🔹 Switzerland- https://www.zek.ch/ 📌 Tip: Make sure your credit report is recent and accurate before submitting your mortgage application to avoid any unnecessary complications. How Does Your Credit Report Affect Your Spanish Mortgage Approval? Your credit report is a critical factor in determining your mortgage terms. Here’s how it impacts the approval process: 📉 Interest Rate – A strong credit history may qualify you for better interest rates, whereas a poor report could lead to higher rates or rejection. 💰 Loan Amount – Spanish banks assess your creditworthiness to decide how much they are willing to lend you. ⚠️ Red Flags – If your report shows late payments, defaults, or high outstanding debt , it can raise concerns and lead to additional scrutiny or rejection. Ensuring your credit report is in good standing before applying for a mortgage is one of the best ways to secure favorable loan conditions. What Happens If There Are Errors in Your Credit Report? ❗ Mistakes in your credit report can delay or even jeopardize your mortgage approval. If you find errors, take the following steps: 1️⃣ Contact the Credit Agency – Request a correction and provide any necessary documents to support your claim. 2️⃣ Notify the Spanish Bank – If you have already submitted your mortgage application, inform your lender about the error. 3️⃣ Provide Alternative Proof – If a correction takes time, provide additional financial documents to demonstrate your ability to repay the mortgage. Why Choose Mortgage in Spain.es Mortgage Broker ? Applying for a mortgage as a non-resident in Spain can be complex. Mortgage in Spain Mortgage Broker simplifies the process and offers exclusive advantages: 🌍 Experts in Non-Resident Mortgages 15+ years of experience specializing in mortgages for non-residents. In-depth knowledge of Spanish bank requirements. We are a mortgage broker licensed by the Bank of Spain 🏦 Strong Relationships with Spanish Banks Direct access to major Spanish banks. Negotiation of the best mortgage terms for you. 📑 Hassle-Free Documentation Process Assistance in obtaining, reviewing, and translating your credit report. Ensuring all paperwork is complete and properly submitted. 💰 No Hidden Fees – We Are Paid by the Bank Our services are free for you – the bank pays our commission. No surprise costs or extra charges. 🔗 Additional Services to Facilitate Your Purchase Connection with real estate agents, lawyers, and currency exchange companies . Support for utilities setup and property management. ⏳ Fast, Professional, and Secure Process We handle everything from application to mortgage approval . Expert guidance every step of the way. 📌 Partnering with Mortgage in Spain Mortgage Broker means saving time, avoiding stress, and ensuring you get the best mortgage possible in Spain. Final Thoughts: Make Your Mortgage Application Stronger ✅ Check your credit report before applying for a mortgage. ✅ Ensure all information is accurate and up to date. ✅ Partner with experts like Mortgage in Spain Mortgage Broker to navigate the process smoothly. 💡 Ready to apply for a mortgage in Spain ? Contact us today for a free consultation! 📧 Contact Us
Building your dream home in Spain is an exciting journey, but securing financing for a self-build mortgage can be complex, especially for non-residents. Unlike a standard mortgage for a completed property, a self-build mortgage is structured in phases, with funds released progressively as construction progresses. If you are considering a self-build project in Spain , this guide will walk you through how self-build mortgages work, the requirements, and how Mortgage in Spain Mortgage Broker can help you navigate the process smoothly. How Does a Self-Build Mortgage Work in Spain? A self-build mortgage is a type of construction loan that provides financing for building a property from scratch. Instead of receiving the full loan amount upfront, the bank releases funds in stages based on the progress of the construction, verified through periodic valuations. Stages of a Self-Build Mortgage in Spain Initial Release – 50% of the Purchase Price of the Land Once you have purchased the land, the bank will release an initial 50% of the land purchase price . If the land is already fully paid, this amount will be included in the total mortgage and can be used to start construction. Progress-Based Disbursements As construction progresses, the bank will release additional funds based on an agreed construction schedule . These payments are made following interim valuations , conducted by an official appraiser who verifies that the construction milestones have been met. Final Payment – 15% Released Upon Completion The last 15% of the loan is released once the final construction certificate (Escritura de Fin de Obra) is issued. This ensures that all necessary approvals and permits are in place before the full loan amount is provided. Key Considerations When Applying for a Self-Build Mortgage in Spain Choosing a Reliable Construction Company Spanish banks require that you work with a professional, licensed, and experienced construction company . A detailed contract, including construction plans, timeline, and budget, will be required as part of your mortgage application. Urban Planning Regulations & Land Classification Before purchasing land, it is essential to check the local urban planning regulations : Urban land (Suelo Urbano) – Generally easier to finance, but some banks still impose restrictions unless the construction project exceeds €150,000 . Rural land (Suelo Rústico) – Financing for self-build projects on rural land is much more restrictive. In most cases, banks will only consider financing if the construction budget exceeds €400,000 , ensuring the project is of high value and meets strict planning regulations. Always consult with a lawyer to verify that the land complies with local zoning laws and that the necessary building permits are in place before applying for a mortgage. Self-Build Mortgage Requirements for Non-Residents Spanish banks apply strict lending criteria for self-build mortgages, particularly for non-residents . Here are the key requirements: 1. Loan-to-Value (LTV) Ratio Maximum 70% of the total project cost (including land purchase and construction expenses). You must provide at least 30% in personal funds , plus additional costs like taxes and fees. 2. Debt-to-Income Ratio (DTI) Your total monthly debt payments (including the new mortgage) must not exceed 35% of your net income . Banks only consider current income , meaning they do not accept future rental income projections . 3. Employment & Financial Stability A stable job or proven income source is crucial. Most banks prefer clients with permanent contracts (for employed applicants) or consistent business income (for self-employed applicants) . 4. Required Documents Architectural plans and construction budget Building permit from the local town hall Land ownership certificate Proof of personal savings (to cover your 30% deposit) Recent tax returns & bank statements Employment contract or proof of business income Understanding the Project Valuation The valuation (tasación) of a self-build project is a crucial step in the mortgage approval process. The appraisal verifies that: ✅ The estimated value of the finished property is at least equal to the total sum of the land price and the construction cost . ✅ The project follows market standards to ensure a viable investment for the bank. Banks will only finance projects where the completed property's value is aligned with the investment, minimizing their risk. Exclusive Agreements for Self-Build & Real Estate Investment Financing At Mortgage in Spain Mortgage Broker , we have special agreements with banks that specialize in self-build mortgages , ensuring you access the best financing options for your project. Additionally, if you are considering building a property to sell (real estate development), we can connect you with specialized short-term financing companies that offer tailored solutions for real estate investment projects. Whether you are a developer or an individual looking to finance a construction project for resale , we have agreements with lenders that provide flexible short-term financing solutions. Why Work with Mortgage in Spain Mortgage Broker ? Navigating the complex mortgage process for a self-build project in Spain requires expert guidance. At Mortgage in Spain Mortgage Broker , we provide: ✔️ Access to the Best Mortgage Deals – We work with multiple Spanish banks to find the best financing options for your project. ✔️ End-to-End Support – From checking land regulations to coordinating with architects, appraisers, and banks, we handle the entire process. ✔️ Faster Approval & Better Conditions – Our strong relationships with banks allow us to negotiate the best terms, ensuring a smoother approval process. ✔️ Zero Fees for Our Clients – Our services are paid by the bank, meaning you never receive an invoice from us . ✔️ Legal & Technical Assistance – We can connect you with trusted real estate lawyers, architects, and construction companies . ✔️ Specialized Short-Term Financing for Developers – If you plan to build to sell , we have partnerships with lenders offering short-term financing for real estate investments . 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Zakup nieruchomości w Hiszpanii to marzenie wielu obywateli Polski, poszukujących drugiego domu w ciepłym klimacie lub atrakcyjnej inwestycji. Proces zakupu oraz uzyskania kredytu hipotecznego w Hiszpanii różni się jednak od procedur w Polsce, dlatego warto dobrze się przygotować. W tym artykule przedstawiamy kluczowe informacje na temat kredytów hipotecznych w Hiszpanii dla polskich nabywców, w tym wymaganych dokumentów, wysokości finansowania, kosztów podatkowych oraz korzyści płynących ze współpracy z Mortgage in Spain Mortgage Broker. Proces uzyskania kredytu hipotecznego w Hiszpanii Proces uzyskania kredytu hipotecznego w Hiszpanii dla nierezydentów składa się z kilku etapów. Po pierwsze, warto określić budżet i wstępnie sprawdzić zdolność kredytową. Banki hiszpańskie biorą pod uwagę dochody netto, zobowiązania finansowe oraz wkład własny. Kolejnym krokiem jest znalezienie odpowiedniej nieruchomości i podpisanie umowy rezerwacyjnej. Następnie należy zebrać i przedstawić wymagane dokumenty, po czym bank przeprowadza analizę finansową oraz wycenę nieruchomości. Po akceptacji kredytu podpisuje się umowę hipoteczną u notariusza i dokonuje się finalnej transakcji. Podatki i koszty związane z zakupem nieruchomości w Hiszpanii Zakup nieruchomości w Hiszpanii wiąże się z dodatkowymi kosztami, które należy uwzględnić w budżecie. Do najważniejszych należą: Podatek od czynności cywilnoprawnych (AJD) - dotyczy nowych nieruchomości i wynosi od 0,5% do 2% ceny zakupu, w zależności od regionu. Podatek od przeniesienia własności (ITP) - w przypadku zakupu nieruchomości z rynku wtórnego wynosi od 6% do 10%. Podatek VAT (IVA) - w przypadku nowych nieruchomości wynosi 10%. Opłaty notarialne i rejestracyjne - w zależności od wartości nieruchomości wynoszą zazwyczaj od 0,5% do 1%. Koszty prawnika - zaleca się skorzystanie z pomocy eksperta, aby zapewnić bezpieczeństwo transakcji. Zwykle prawnik pobiera opłatę w wysokości 1% wartości nieruchomości. Wysokość finansowania dla polskich nierezydentów Polacy, jako nierezydenci Hiszpanii, mogą uzyskać finansowanie na poziomie do 70% wartości nieruchomości. Oznacza to, że konieczne jest posiadanie wkładu własnego na poziomie co najmniej 30%. Dodatkowo bank bierze pod uwagę zdolność kredytową klienta, przy czym stosunek rat kredytu do dochodów netto nie powinien przekraczać 35%. Kredyty hipoteczne dla nierezydentów udzielane są zazwyczaj na okres od 20 do 25 lat, a oprocentowanie może być stałe lub zmienne, uzależnione od wskaźnika EURIBOR. Korzyści współpracy z Mortgage in Spain Mortgage Broker Uzyskanie kredytu hipotecznego w Hiszpanii może być skomplikowanym procesem, szczególnie dla nierezydentów. Dlatego współpraca z Mortgage in Spain Mortgage Broker przynosi wiele korzyści: Indywidualne doradztwo - analizujemy Państwa sytuację finansową i dopasowujemy najlepsze opcje kredytowe. Dostęp do najlepszych ofert bankowych - współpracujemy z czołowymi hiszpańskimi bankami, negocjując najlepsze warunki. Wsparcie w całym procesie - od analizy zdolności kredytowej, przez kompletowanie dokumentacji, po finalizację transakcji u notariusza. Połączenia z ekspertami - możemy połączyć Państwa z renomowanymi agencjami nieruchomości, prawnikami, firmami zajmującymi się rejestracją dostawców mediów i usługami wymiany walut. Bezpieczeństwo i profesjonalizm - jesteśmy autoryzowani przez Bank Hiszpanii i posiadamy ponad 15 lat doświadczenia w sektorze finansowym, co gwarantuje najwyższą jakość usług. Brak kosztów dla klienta - nasze usługi są opłacane przez bank, który udziela kredytu, co oznacza, że klient nigdy nie otrzymuje żadnej faktury od nas. Jeśli planują Państwo zakup nieruchomości w Hiszpanii i potrzebują fachowego wsparcia, Mortgage in Spain Mortgage Broker jest idealnym partnerem. Zapraszamy do kontaktu, aby uzyskać indywidualną konsultację i dopasowaną ofertę kredytową.