Thinking of buying a property in Benidorm but you live abroad?

Benidorm has long been a favourite destination for international buyers who dream of owning a property by the Mediterranean. Its sunny weather, relaxed lifestyle, and excellent rental potential make it an attractive place to buy — whether for personal use, retirement, or as an investment. However, one of the biggest concerns for foreign buyers is how to secure a mortgage in Spain without being physically present. The process may seem confusing, especially when banks request unfamiliar documents, or when you're told that non-residents cannot access the same conditions as locals.

At Mortgage in Spain.es- Mortgage Broker, we specialise in helping international clients from all over the world obtain mortgages in Spain — and we do it entirely online. We understand your concerns, and we work to eliminate the uncertainty that often comes with financing a property purchase abroad. Whether you live in the UK, the US, the Netherlands, or Dubai, we know exactly how to prepare your case, deal with Spanish banks, and secure a mortgage that fits your needs — all while ensuring the process is safe, efficient, and stress-free.

Can I get a mortgage in Spain if I don’t live there?

This is one of the most frequent questions we hear. The answer is yes — Spanish banks do offer mortgages to non-resident buyers. However, the process and conditions are different than for residents. For instance, if you do not pay taxes in Spain, you are considered a non-resident for mortgage purposes, and you will be eligible for up to 70% of the property purchase price, with no possibility to exceed that percentage. This is a regulatory limit set by the Bank of Spain, and it applies across all financial institutions. It cannot be negotiated, even if you have excellent income or a high credit score in your home country.

In addition, banks will look at your global financial profile: your income, debt level, savings, employment stability, and the type of currency in which you earn. This means that every buyer needs a tailored approach. A self-employed client in Canada is not treated the same way as a British employee with a UK salary or a French entrepreneur. That’s where we come in — our team knows how to translate your financial situation into the format Spanish lenders need in order to approve your loan.

What makes the mortgage process in Spain different?

Unlike in many other countries, the Spanish mortgage process is heavily regulated and involves various legal steps that must be completed in order. For example, before signing a mortgage, the bank must issue a FEIN (European Standardised Information Sheet), which details the exact interest rate, fees, and loan conditions. After that, the notary must explain the mortgage in a separate meeting — known as the “Acta de Transparencia” — at least 10 days before the final signing. This legal cooling-off period protects the buyer, but it also adds time and complexity.

Additionally, Spanish banks are extremely cautious when dealing with non-residents. They often request more documentation, and they may require translations or certified explanations of documents like tax returns or payslips. If a single paper is missing or unclear, your application can be delayed for weeks — or even rejected. That’s why working with a specialised mortgage broker like us is not just helpful — it’s essential. We ensure your documentation is complete, accurate, and bank-ready from day one.

How Mortgage in Spain.es makes the process easy

Our company was created to solve exactly this problem. We are an independent mortgage broker licensed by the Bank of Spain, and we act as a bridge between you and the banks. Thanks to our long-standing partnerships with top Spanish lenders, we can present your profile in the most effective way, negotiate the best possible conditions, and avoid common pitfalls that cost time and money.

From the very beginning, we offer a clear roadmap: we start by analysing your income and debts using the same formulas the banks use, so you’ll know exactly how much you can borrow. We also calculate all associated costs — taxes, notary fees, valuation, legal costs — so you have a precise idea of the funds required. If you need a Spanish NIE(Foreigner Identification Number), we’ll help you obtain it remotely, without having to travel.

Once you’ve chosen a property in Benidorm, we guide you through the reservation contract, ensuring that there’s a clause making the payment subject to mortgage approval — a key legal protection. We then organise the property valuation, coordinate with your lawyer, and submit your full file to the banks. We handle all communication, follow-up, and negotiation on your behalf. When the mortgage offer arrives, we walk you through it in detail and arrange the necessary notary appointments to complete the signing.

And the best part? Our service is completely free for you — we are paid by the bank that grants the mortgage. You receive full professional support with no hidden costs.

 What documents will I need?

Preparing your mortgage file correctly is one of the most important steps. Every bank has its own requirements, but most will ask for:

• Passport and NIE
• Proof of income: recent payslips, employment contract or proof of self-employment
• Latest tax return from your country of residence
• Bank statements showing savings and income flow
• Details of other loans or liabilities
• Reservation or purchase contract of the property

We’ll help you gather these documents and make sure they are explained correctly in Spanish. Our team knows exactly how to present a Dutch tax return, a British P60, or a US 1040 in a way that makes sense to Spanish lenders. This is what allows us to maintain a 99% mortgage approval rate across all our international clients.

 Why choose Benidorm?

Benidorm is one of the most dynamic real estate markets in Spain. Located on the Costa Blanca, it offers a combination of sunshine, beaches, and entertainment that appeals to a wide range of buyers. What makes it especially interesting for investors is the strong demand for short-term rentals. The city has a well-developed tourism infrastructure, and many apartments can be rented out for most of the year.

In recent years, prices in Benidorm have risen, but they remain more affordable than those in Marbella, Ibiza, or Barcelona. Whether you’re buying for your own holidays or as a long-term investment, Benidorm offers excellent value for money. Areas like Poniente Beach, Rincón de Loix, and Cala de Finestrat are particularly popular with international buyers, and the city has a strong expat community, including residents from the UK, Netherlands, Belgium, France, and Scandinavia.

You deserve security and peace of mind

Buying a property abroad is a major decision — and it can be stressful if you feel alone or unsure. That’s why we’re here. At Mortgage in Spain.es- Mortgage Broker, we work exclusively with international buyers. We speak your language, we understand your expectations, and we know the system from the inside. With over 15 years of experience in the financial sector, we’ve guided hundreds of clients through the process of buying property in Spain, safely and successfully.

Whether you're a first-time buyer or an experienced investor, we take the time to understand your situation, answer your questions, and protect your interests every step of the way.

 Ready to make Benidorm your next home?

If you're thinking of buying a property in Benidorm and want to explore mortgage options from your home country, we’re ready to help. Contact us today for a free, no-obligation assessment. You’ll receive personalised advice, a clear plan, and the support of a licensed mortgage broker — all without paying a single euro in fees.

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Let’s make your dream of owning a home in Benidorm a reality — with confidence, clarity, and expert guidance.