Comprar casa en España desde el extranjero es posible: así lo lograron nuestros clientes

8 July 2025

Hipotecas en España para no residentes: la experiencia de cientos de clientes que ya lo lograron con Mortgage in Spain.es



Comprar una vivienda en España sin ser residente puede parecer un proceso complejo y lleno de obstáculos. Idioma, normativa bancaria, fiscalidad, documentación extranjera… Son muchos los factores que hacen que una decisión tan importante como adquirir una propiedad en otro país venga acompañada de dudas y temores.


Sin embargo, lo que en principio puede parecer una carrera de fondo, se convierte en un camino claro, seguro y acompañado cuando se cuenta con el apoyo de profesionales que conocen cada paso. Eso es precisamente lo que ofrece Mortgage in Spain.es, un bróker hipotecario digital con licencia del Banco de España, que ha hecho posible el sueño de tener una vivienda en España para cientos de personas procedentes de países como México, Estados Unidos, Canadá, Emiratos, Reino Unido, Irlanda, Francia, Países Bajos o Alemania.


Un servicio hipotecario especializado para compradores internacionales


A diferencia de otras plataformas, Mortgage in Spain.es    no ofrece servicios genéricos, sino que está diseñado exclusivamente para ayudar a personas no residentes en España a obtener una hipoteca. Su equipo, con más de 15 años de experiencia en banca y mercados internacionales, entiende la realidad fiscal, laboral y documental de los compradores extranjeros. Esto les permite presentar cada caso ante los bancos españoles con precisión, claridad y garantías de éxito.

Como cuenta Mauricio, un cliente mexicano que ahora disfruta de su piso con vistas al Retiro en Madrid:


“Nos pedían papeles que no sabíamos ni cómo traducir. Con Mortgage in Spain todo fue paso a paso, claro, en nuestro idioma. A la  semana teníamos la aprobación del banco y una oferta a tipo fijo que jamás hubiéramos encontrado por nuestra cuenta”.

Desde Dubái hasta Benidorm: casos reales que inspiran confianza

Las historias de éxito se repiten con distintas nacionalidades, presupuestos y zonas de compra. Por ejemplo, Laura y Roberto, una pareja de argentinos que trabaja en Dubái, decidieron comprar una segunda residencia en la Costa Blanca para pasar los veranos en familia.


“Lo hicimos todo online, incluso la firma. No tuvimos que pisar España hasta la entrega de llaves. Nos ayudaron con el NIE, el contrato de arras y los impuestos. Fue más fácil de lo que esperábamos”.

Otro caso es el de Sven, un ingeniero alemán que encontró en Málaga su lugar ideal para teletrabajar parte del año. “Tenía ingresos altos pero en Alemania, y eso complicaba todo. Mortgage in Spain explicó mi situación a los bancos y encontró una solución que ningún banco me había ofrecido directamente”.


¿Por qué confiar en Mortgage in Spain?


Detrás de estas historias hay un modelo de trabajo claro, eficaz y, sobre todo, seguro. Mortgage in Spain es un bróker con licencia concedida por el Banco de España (registro D969), lo que garantiza que cumple con todos los requisitos legales, de protección del consumidor y transparencia en sus servicios.


Además, los clientes no pagan absolutamente nada por el servicio hipotecario. Gracias a los acuerdos firmados con entidades financieras españolas, el banco que aprueba la hipoteca cubre los honorarios del bróker, lo que permite al cliente acceder a asesoramiento profesional sin coste alguno.


Pero eso no es todo. Mortgage in Spain no se limita a conseguir la hipoteca. Ofrece un servicio 360º que incluye:


  • Referencia para asistencia especializada con la obtención del NIE de forma online.
  • Estudio financiero personalizado con los mismos criterios que utilizan los bancos.
  • Cálculo de gastos e impuestos de compraventa.
  • Referencia para asistencia profesional en la negociación de contratos de reserva y arras.
  • Conexión con abogados especializados, inmobiliarias, empresas de cambio de divisas y servicios de alta de suministros.


Todo el proceso se realiza online, en español o en el idioma del cliente, con un trato cercano y humano. Desde la primera simulación hasta la firma notarial, los clientes se sienten acompañados, informados y seguros todo el proceso hasta conseguir la llaves de su nuevo hogar.


Hipotecas para no residentes con hasta el 70 % de financiación


Una de las preguntas más frecuentes que reciben es: “¿Cuánto puedo financiar si no vivo en España?”. La normativa del Banco de España establece que los no residentes pueden obtener hasta el 70 % del valor de compraventa o de tasación, el menor de ambos. Mortgage in Spain se encarga de analizar cada caso para confirmar la viabilidad y seleccionar la mejor entidad según el perfil fiscal, laboral y país de origen del cliente.


Este análisis inicial se realiza en menos de 48 horas y permite al comprador tener una visión clara del presupuesto disponible, los requisitos documentales y los pasos a seguir.


Gracias a esta metodología, la tasa de aprobación de hipotecas de Mortgage in Spain es del 99 %. Un dato que no solo demuestra eficacia, sino que da tranquilidad a quienes se enfrentan por primera vez a este tipo de operación.


El futuro de las hipotecas internacionales es digital, seguro y humano

En un mundo cada vez más interconectado, donde las decisiones importantes ya no se toman en papel ni requieren presencia física, Mortgage in Spain ha sabido adaptarse ofreciendo una experiencia digital, sin fricciones, pero profundamente humana. Detrás de cada expediente, hay un equipo real que escucha, responde y resuelve.



Por eso, si usted está pensando en comprar una vivienda en España desde el extranjero, ya sea para teletrabajar, pasar los veranos, invertir en alquiler turístico o jubilarse en el Mediterráneo, el primer paso es contar con quien conoce el camino.

¿Quiere comprobar si puede obtener una hipoteca en España como no residente?


👉 Solicite ahora un estudio personalizado gratuito
Le responderemos en menos de 48 horas con una estimación clara, sin compromiso.

Mortgage in Spain
We are a mortgage broker licensed by the Bank of Spain.
Más de 15 nacionalidades atendidas. 99 % de éxito. 0 € de coste para usted.

Consiga su hipoteca en España de forma fácil, rápida y segura

¿Vive en el extranjero y quiere comprar una casa en España con Hipoteca?

Obtenga un estudio gratuito y sin compromiso, realizado por un bróker hipotecario certificado y especializado exclusivamente en clientes no residentes.

📌 Servicio 100 % online, cómodo y guiado
📌 Más de 15 años de experiencia
📌 Asesoramiento multilingüe (ES, EN, FR, NL)
📌 Acceso a las mejores condiciones hipotecarias
📌 Sin coste para usted: el banco paga nuestros honorarios
📌 99 % de hipotecas aprobadas


Recuerde: si usted no reside fiscalmente en España, la normativa del Banco de España establece que el importe máximo de financiación será del 70 % del valor de compraventa o tasación (el menor de los dos). Este límite se aplica a todos los bancos sin excepción.


Trabajamos con clientes de más de 20 países de Europa, América y Asia. Incluso si aún no ha elegido la propiedad, podemos ayudarle a planificar su compra con total seguridad.


👉 Rellene el formulario y en menos de 48 horas le contactaremos con su estudio personalizado.


Su bróker hipotecario certificado, autorizado por el Banco de España.

📞 ¡Contáctenos hoy mismo y empiece a planificar su compra con seguridad!

Comprador no residente con dudas sobre hipotecas en España en 2026, mortgage in spain
30 December 2025
Guía clara sobre cómo funcionan las hipotecas en España para no residentes en 2026. Financiación, requisitos y proceso explicados paso a paso.
Christmas greeting image from Mortgage in Spain Mortgage Broker featuring a golden house as a gift,
23 December 2025
A heartfelt 2025 recap from Mortgage in Spain Mortgage Broker, thanking our clients and looking ahead to 2026, where new home dreams in Spain will come true.
Vánoční Marbella s vánočním stromem a textem „Marbella bude tvým dárkem v roce 2026“.
12 December 2025
Objevte kouzlo Vánoc v Marbelle, život na Costa del Sol a možnosti investice do druhého domova pro české kupující.
Latinos invierten en la Costa Blanca: guía para comprar en España
11 December 2025
Mexicanos y latinos en EE. UU. invierten en la Costa Blanca por su clima, precios y alta rentabilidad. Descubra cómo comprar con apoyo 360° y la mejor hipoteca.
2 December 2025
Un servicio pensado para ti, que sigues sintiendo España como tu hogar
2 December 2025
Mortgage in Spain offers non-resident buyers clarity, trust and a 99% approval rate. Personal guidance, full transparency and a service licensed by the Bank of Spain
Illustration of mortgage interest rates in Spain with a money bag, a downward red arrow and a magnif
19 November 2025
Mortgage rates Spain updated for 2025–2026. Clear overview of current interest rates in Spain and expected trends for the first half of 2026.
Kobieta w kapeluszu siedzi nad morzem w Hiszpanii. Napis: „Czas, by wakacje trwały cały rok. Hiszpan
11 November 2025
Odkryj, dlaczego Polacy kupują domy w Hiszpanii. Słońce, spokój i lepsze życie z Mortgage in Spain – licencjonowany broker hipoteczny.
16 October 2025
Hypothek in Spanien für Deutsche – Sicher finanzieren mit Expertenhilfe
8 October 2025
🇲🇽 Hipotecas en España para mexicanos: el sueño europeo al alcance de su mano
Spanish flag with map silhouette and text ‘Become a resident in Spain’ – Mortgage in Spain
18 September 2025
Discover how Spanish banks apply the 70% mortgage limit for non-residents in 2025 and when you can qualify as a resident for higher financing.
Parents and children on a sunny beach in Spain — new family lifestyle with Mortgage Broker
2 September 2025
Discover how to turn your Spanish summer into everyday life. Work remotely, enjoy the sun, and let Mortgage in Spain be the bridge to your new future.
Homes for sale in Spain 2025: lifestyle, sunshine and opportunities for non-residents
29 August 2025
Homes for Sale in Spain (2025 Update): Why Non-Residents Are Choosing the Spanish Lifestyle
Broker hipotecario gratis en 2025 en España: servicio sin costes para comprar vivienda con hipoteca,
19 August 2025
Broker hipotecario gratis 2025 en España: consiga la mejor hipoteca sin honorarios ni costes ocultos. Estudio inicial rápido y 100 % online.
Mortgage in Spain.es inspirational quote — Let your dreams be your wings, with butterflies and brand
16 August 2025
n 2025, an American family made their dream of living in Marbella a reality with Mortgage in Spain. Discover how we secure the best mortgages and legal support.
7 August 2025
Essential Information for Swiss Buyers: How Much You Need, What to Prepare, and How to Get Started
31 July 2025
Où acheter sur la Costa del Sol en 2025 ? Le top 10 des villes pour les Français
18 July 2025
Ontdek hoe u in 2025 een huis aan de Costa del Sol kunt kopen met Spaanse hypotheek, zelfs als u in Nederland woont. Eenvoudig, veilig en goed geregeld.
Best Mortgage Lenders in Spain for Non-Residents 2025
17 July 2025
Discover the best mortgage lenders in Spain for non-residents in 2025. Get expert help to secure the ideal home loan. 100% online and licensed by the Bank of Spain.
 how to get a mortgage in Spain in 2025 as a non-resident.
14 July 2025
Discover how to get a mortgage in Spain in 2025 as a non-resident. Free service, fast approval, and expert guidance from a broker licensed by the Bank of Spain.
Hipoteca no residente costa del sol
11 July 2025
Descubra cómo obtener una hipoteca en la Costa del Sol siendo no residente. Con Mortgage in Spain su única preocupación será decorar su nuevo hogar.
Mortgage Rate Spain 2025: Updated Trends for Buyers
9 July 2025
Discover the latest mortgage rate Spain in June 2025. Updated insights for non-residents buying property in Spain with expert broker support.
4 July 2025
Escape the Dubai heat and embrace Mediterranean living with our exclusive 360º service.
18 June 2025
Thinking of buying a property in Benidorm but you live abroad?
10 June 2025
How Real Estate Agents Can Speed Up Mortgage Closings in Spain
30 May 2025
Investir à Minorque depuis la France : mode d’emploi pour acheter sans stress
26 May 2025
Mortgage for Spain Made Easy: 100 % Online, 99 % Success 
23 May 2025
Come ottenere un mutuo in Spagna: soluzioni sicure per italiani non residenti
Hipotecas para no residentes: guía práctica para mexicanos
22 May 2025
Mexicanos que compran casas en Madrid: cómo conseguir la mejor hipoteca para no residentes
Buying a Home in Spain from the U.S. Best tips
21 May 2025
Buying a Property in Spain with a Mortgage as a U.S. Citizen: 25 Key Questions Answered
12 May 2025
How Americans Can Get a Mortgage in Spain to Buy Their Dream Holiday Home
30 April 2025
Your Dream Home in Costa del Sol Is Closer Than Ever: Direct Flight from Malaga to New York!
22 April 2025
How a Tech Executive from Palo Alto Bought His Dream Villa in Marbella
14 April 2025
Historias reales de no residentes que compraron su casa en España con éxito
9 April 2025
Soleil, rentabilité et qualité de vie pour les Français
7 April 2025
Wat is het en waarom is het verplicht bij de verkoop van een woning?
1 April 2025
if you're considering buying a holiday home in Marbella, using a mortgage broker can make the process easier, cheaper, and less stressful. With their local knowledge, negotiation skills, and guidance, you can find the best mortgage deal for your needs and enjoy your new holiday home with peace of mind. Call us now!
31 March 2025
Can You Get a Spanish Mortgage If You Earn in Saudi Riyal (SAR)? Discover How to Buy Your Dream Property with Confidence
25 March 2025
📈 Pourquoi 2025 est un bon moment pour investir en Espagne
20 March 2025
Huis kopen in Spanje: De complete gids voor Nederlanders
13 March 2025
Understanding Mortgage Requirements in Spain
12 March 2025
How to Move to Spain from Canada? The Smart Strategy to Buy, Invest, and Relocate Stress-Free
11 March 2025
Securing a mortgage in Spain as a non-resident requires a clear understanding of Spanish banking criteria , legal procedures, and financial planning.
house flipping
7 March 2025
Learn how to finance house flipping in Spain with bank loans & alternative funding. Get expert guidance to maximize profits in top real estate markets. 🚀
25 February 2025
¿Qué hace un Broker Hipotecario?
Hipotecas no residente
21 February 2025
¿Qué son las hipotecas para no residentes?
Mortgage term
21 February 2025
Spain’s Mortgage Term Limits for Non-Residents: How Age Affects Your Loan Options
equity release
20 February 2025
Understanding Mortgage Restrictions in Spain for Cash Buyers 
18 February 2025
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
17 February 2025
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 . Whether you are at the planning stage or ready to apply for your self-build mortgage in Spain , contact us today for expert advice and assistance! 📩 Get in touch now to start building your dream home in Spain
More posts