Second Home in Spain for Dubai Residents: How to Buy Smart in 2025
Escape the Dubai heat and embrace Mediterranean living with our exclusive 360º service.
For executives living in Dubai, summer often means unbearable heat, with temperatures regularly surpassing 45°C and humidity making life outside difficult. It’s no wonder more and more professionals and their families are choosing to spend summers in Europe — and Spain consistently ranks among the top destinations for second homes.
With its stunning coastline, cooler Mediterranean climate, vibrant culture, and property values that still offer strong investment potential, Spain is not just a holiday spot — it's a smart lifestyle decision.
But buying a property abroad can feel overwhelming. That’s why Mortgage in Spain.es, a mortgage broker licensed by the Bank of Spain, offers a full 360º service, guiding you through every step — from choosing the right home to signing the mortgage and setting up your new life in Spain.
Why Spain? A European Dream for Dubai-Based Buyers
Spain offers a rare mix of sunshine, security, modern infrastructure, and centuries of cultural richness. Key reasons why executives in Dubai are increasingly buying here include:
- Climate: Mild summers in the north, warm but bearable temperatures along the Mediterranean.
- Safety: Spain ranks among the safest countries in Europe, ideal for families.
- Gastronomy & Lifestyle: Tapas culture, outdoor cafés, fresh seafood — combined with a slower, more relaxed pace of life.
- Connectivity: Direct flights from Dubai to Madrid, Barcelona, and Málaga; excellent roads and high-speed trains once you're here.
- Health & Education: High-quality public and private healthcare systems, plus top international schools in most cities.
Where to Buy in Spain: Best Locations and Market Insights
Marbella & Costa del Sol (Southern Spain)
Popular with high-net-worth individuals worldwide, Marbella offers glamorous beach clubs, golf resorts, and Michelin-starred restaurants. Gated communities like La Zagaleta and Sierra Blanca offer villas from €1.5M to €10M, while other quality options start from €500,000. The Costa del Sol enjoys over 320 sunny days a year, with summer highs around 30–32°C — much cooler than Dubai.
Alicante & Costa Blanca
An emerging favourite among international buyers thanks to its affordability and quality of life. Seaside villas with pools can be found from €350,000, and new developments near Altea, Jávea or Moraira are attracting buyers looking for value without sacrificing comfort. The area is well connected by Alicante airport and has a relaxed Mediterranean atmosphere.
Barcelona & Sitges
Barcelona combines city life with beach access. A modernist capital full of architecture, tech start-ups and culture, it’s ideal for families wanting diversity and connectivity. Sitges, just 30 minutes away, offers peace and privacy, with luxury villas from €800,000, and excellent private schools. In central Barcelona, expect apartments from €600,000 in the Eixample area.
Northern Spain (San Sebastián, Santander, Asturias)
For those escaping the heat, the north is ideal. San Sebastián, known for its culinary scene and beautiful beaches, has luxury apartments and villas starting from €450,000. Summer temperatures range from 22–26°C, perfect for families seeking fresh air and lush landscapes. Green valleys, surf beaches and hiking trails define this area.
Andalusian Countryside (Ronda, Córdoba, Antequera)
Perfect for those dreaming of olive groves, privacy and historic estates. Fincas and cortijos range from €600,000 to €2M, often set on large plots with vineyards or gardens. These areas provide deep immersion into Spanish culture and ideal conditions for digital detox summers.
Financing Your Property: Mortgages for Non-Residents
Mortgage in Spain helps non-residents based in the UAE get approved for mortgages in Spain — completely online. We are a mortgage broker licensed by the Bank of Spain with more than 15 years of experience and a 99% mortgage approval rate.
Here are the key facts you should know:
- Maximum Loan-to-Value (LTV): Up to 70% of the property value.
- Deposit Required: Minimum 30% of the purchase price, plus around 12–13% for taxes and fees.
- Mortgage Rates (as of mid-2025):
- Fixed-rate: From 2.50% for up to 20 years.
The interest rate depends on two factors:
- Your profile (income, employment stability, tax residence).
- The property itself (location, condition, appraisal value).
For example, a Dubai-based executive earning over €120,000/year with clean credit and savings from salary or bonus payments can usually qualify for premium conditions, especially if the property is a modern, well-located home.
What About the Deposit and Source of Funds?
Spanish banks will request documentation to confirm the origin of your deposit. This includes:
- Salary slips and bank statements
- Bonus letters or dividend income
- Proof of savings from legal sources
You’ll also need to provide evidence of a maximum debt-to-income ratio of 35%, meaning your monthly mortgage payment should not exceed 35% of your net monthly income.
Let’s take the case of a Dubai resident earning a net monthly income of €15,000. This client is already paying €2,000/month for a mortgage on a property in Dubai. Spanish banks will take that into account when calculating your borrowing capacity.
In Spain, the total debt-to-income ratio (DTI) — including all existing loans — must not exceed 35% of your net income.
- 35% of €15,000 = €5,250 maximum total monthly debt allowed
- Subtract the €2,000 mortgage payment in Dubai:
👉 You can allocate up to €3,250/month for a Spanish mortgage.
At a fixed interest rate of 2.50% over 20 years (the best available rate for non-residents as of mid-2025), a monthly payment of €3,250 corresponds to a mortgage of approximately €600,000.
Since non-residents can finance up to 70% of the property value, this means you could afford a property worth around €857,000, assuming you contribute a 30% down payment of €257,000, plus an additional 12–13% for taxes and legal fees (approx. €100,000).
Summary of this scenario:
- Net monthly income: €15,000
- Current mortgage in Dubai: €2,000/month
- Maximum Spanish mortgage payment allowed: €3,250/month
- Mortgage amount (20 years, 2.50% fixed): €600,000
- Maximum property value: €857,000
- Required deposit (30%): €257,000
- Estimated purchase costs (taxes & fees): €100,000
💡 Important Note:
Spanish interest rates depend on your personal profile (income, country of residence, credit history) and on the property itself (type, location, and valuation). A prime buyer with strong income and a high-end, well-located property can often secure better conditions — even below 2.50% in some cases.
Our 360º Property Buying Service
To make the process effortless, Mortgage in Spain offers a full 360º package tailored to clients based in Dubai. This includes:
✅ Selecting the best properties in your chosen area in coordination with trusted local real estate agents
✅ Connecting you with independent lawyers who specialise in property law
✅ Managing the mortgage approval process from start to finish
✅ Coordinating the NIE application (your Spanish tax ID)
✅ Assisting with utilities setup (electricity, water, internet) after purchase
✅ Referring you to trusted insurance companies for home, life, health or vehicle policies
✅ Partnering with currency exchange companies to help you convert AED to EUR at excellent rates
Why Trust Us?
We’ve helped hundreds of buyers from around the world — especially executives from 🇦🇪 Dubai, 🇸🇦 Saudi Arabia, 🇬🇧 UK, 🇫🇷 France, 🇨🇭 Switzerland and 🇺🇸 USA — find and finance their dream home in Spain.
Our clients value:
- Our deep knowledge of Spain’s mortgage system
- Our direct connections with banks, lawyers and real estate experts
- Our no-stress process, designed for busy professionals
- Our luxury property experience and network in exclusive areas
Best of all: our fees are paid by the banks, not by you.
Imagine Your Summer in Spain…
Waking up in a countryside villa with mountain views. Walking to a local market to buy fresh fruit. Enjoying long lunches under the sun. Watching your children play outside in total safety. This is what Spain offers — a world apart from Dubai’s glass towers and desert heat.
Whether you prefer the cool forests of Asturias, the golden beaches of Marbella, or the relaxed pace of Alicante, we’ll help you find the perfect place.
Ready to start your journey?
Let us help you find, finance, and settle into your dream summer home in Spain.
📩 Contact us today to discover how our 360º service can simplify everything.
🇪🇸 Buying a Home in Spain as a Non-Resident? Here’s the Solution! 🏡
✅ We Make It Easy – Your Mortgage, Simplified!
Mortgage in Spain, Mortgage Broker specializes in helping non-residents secure the best mortgage deals hassle-free.
✔ Fast-track approval – Preliminary agreement in 48 hours
✔ Expert negotiation – We work with top Spanish banks to get you the best interest rates
✔ No brokerage fees – Our service is 100% free for you (the bank pays our commission)
✔ Personalized service in English, French, Dutch, and Spanish
✔ Full assistance from start to finish – We handle the paperwork and connect you with lawyers, real estate agents, and currency exchange services
Experts in international clients from over 20 countries across Europe and beyond
We provide expert support to non-resident clients from:
🇬🇧 UK · 🇮🇪 Ireland · 🇫🇷 France · 🇧🇪 Belgium · 🇳🇱 Netherlands · 🇨🇭 Switzerland · 🇩🇪 Germany · 🇵🇱 Poland · 🇺🇸 USA · 🇨🇦 Canada · 🇲🇽 Mexico · 🇸🇦 Saudi Arabia · 🇦🇪 Dubai · 🇷🇴 Romania · 🇸🇪 Sweden · 🇳🇴 Norway · 🇩🇰 Denmark · 🇮🇹 Italy · 🇨🇿 Czech Republic · 🇱🇹 Lithuania · 🇪🇪 Estonia · 🇫🇮 Finland
99% mortgage approval rate. Let us help you secure your Spanish mortgage—stress-free and with no upfront cost.
Avoid stress and delays! Leave your contact details now and let our experts guide you step by step toward your dream home in Spain!
🏡 Your Spanish property is within reach – Let’s make it happen today!
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