Diseño del blog

Spanish Mortgage

Nov 16, 2020

Spanish Mortgage Solutions: Hassle-Free Home Financing

Navigating Spanish mortgages made easy. Get tailored solutions for your property purchase in Spain. Secure your dream home today

Spanish banks usually do not finance 100% of the purchase of the house.

That is, if the house of your dreams is valued at 200,000 euros, the bank will grant you, at most, a loan for an amount that does not exceed 80% of the appraised value of the home if you are a resident in Spain or 70% if you are a non-resident.


 It is essential to be in disposition of savings before buying a home. At least, to meet the costs of appraisal, management or those related to the Property Registry. This will mean around 30% of the price of the property, since you must have 20% savings and approximately 10% to meet the additional costs.


 Today, all banks assume the expenses of a mortgage that is determined by law: that is, those of notary, registry and agency, in addition to the Tax on Documented Legal Acts


The terms for the approval of a mortgage loan range between 60 and 90 days. In MortgageinSpain.es we can have a pre authorization in 7 days.


Contact us to get personalized information for your spanish mortgage.

Call Us

 Speak to a mortgage advisor today.

 Get the best advise in your own language (English, French, Dutch & Spanish). Agreement in principle in 48 hours0% Broker Fee

Send a message

How to Get a Mortgage in Spain from London - Simplify Your Spanish Home Buying Process
05 Apr, 2024
Achieve your Spanish vacation home dreams with Mortgage in Spain. Our dedicated team offers expert mortgage advice and solutions for Londoners looking to navigate the Spanish property market effortlessly.
Courtier hypothécaire en Espagne
04 Apr, 2024
Découvrez comment Mortgage in Spain, votre courtier hypothécaire de confiance, peut vous aider à naviguer dans le marché immobilier espagnol. Services personnalisés, comparaisons de prêts, et accompagnement expert de A à Z. Commencez votre projet immobilier en Espagne dès aujourd'hui.
golden visa Spain
09 Feb, 2024
Explore benefits for US investors buying luxury Spanish properties for Golden Visas with expert mortgage assistance from Mortgage in Spain.
Hypothek in Marbella
08 Feb, 2024
Entdecken Sie die Vorteile eines Ferienhauses in Marbella mit professioneller Hypothekenberatung. Maßgeschneiderte Lösungen für Ihren Traum.
mortgage affordability calculator
03 Jan, 2024
Explore the essential role of mortgage affordability calculators in Spain's property market. This article offers insights on how these tools aid in responsible borrowing, aligning property dreams with financial realities, and preparing for mortgage negotiations. Understand different mortgage types and make informed decisions with our comprehensive guide, tailored for both residents and non-residents in Spain. Navigate Spanish mortgages confidently and transform your property aspirations into achievable goals
Mortgage Broker Costa del Sol
30 Nov, 2023
Discov  er the Joy and Financial Wisdom of Property Ownership on Spain's Vibrant Coast
huis kopen in spanje regels
29 Aug, 2023
Ontdek essentiële regels voor het kopen van een huis in Spanje. Expert advies voor Nederlanders en Belgen. Probleemloos vakantiehuis verwerven met Mortgage in Spain.
makelaar
29 Aug, 2023
Verbind met ervaren makelaar voor jouw droomhuis in Spanje. Gratis service voor huisjacht, hypotheek en juridisch advies.
Self Build Mortgage Broker
01 Aug, 2023
Explore the world of self-construction in Spain with the expertise of a dedicated self-build mortgage broker. Discover the steps to building your dream vacation home and the advantages of choosing Mortgage in Spain as your trusted partner.
02 May, 2023
The city attracts millions of tourists every year and has become a desirable location for buying a holiday home. In this article, we will discuss the advantages of buying a holiday home in Malaga and why using a mortgage broker can be beneficial.
02 May, 2023
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!
Power of Attorney
20 Apr, 2023
Are you looking for a mortgage in Spain? Learn about the advantages of making a power of attorney in the mortgage process in Spain
hypotheken spanje
28 Mar, 2023
Hypotheek in Spanje voor niet-ingezetenen: Alles wat u moet weten
hypotheek in spanje berekenen
28 Mar, 2023
Als niet-ingezetene in Spanje kan het lastig zijn om een hypotheek te berekenen voor de aankoop van een huis in Spanje. Het is belangrijk om te weten dat de hypotheekmarkt in Spanje verschilt van die in andere landen, en dat er bepaalde factoren zijn die invloed hebben op de hypotheek die u kunt krijgen. Hieronder vindt u enkele tips om u te helpen bij het berekenen van een hypotheek in Spanje als niet-ingezetene. Allereerst is het belangrijk om te weten dat banken in Spanje doorgaans alleen hypotheekleningen verstrekken aan niet-ingezetenen als ze een huis kopen dat als vakantiehuis wordt gebruikt. Als u van plan bent om permanent in Spanje te wonen, heeft u een andere soort hypotheek nodig en moet u hier goed naar informeren bij de bank. Vervolgens moet u weten dat banken in Spanje doorgaans niet meer dan 70% van de waarde van het huis financieren. Dit betekent dat u in ieder geval 30% van de aankoopprijs zelf moet financieren. Houd hier rekening mee bij het bepalen van uw budget en het zoeken naar een geschikt huis. Een andere factor die van invloed is op de hypotheek die u kunt krijgen, is uw inkomen. Banken in Spanje eisen dat uw inkomen hoog genoeg is om de hypotheek te kunnen aflossen. Als u zelfstandige bent, moet u meestal uw belastingaangiften van de afgelopen jaren kunnen overleggen om te laten zien dat uw inkomen stabiel is. Ten slotte moet u rekening houden met de extra kosten die gepaard gaan met het afsluiten van een hypotheek in Spanje, zoals notariskosten, registratiekosten en belastingen. Deze kosten kunnen aanzienlijk zijn en u moet ze meenemen in uw berekeningen bij het bepalen van uw budget. Om een hypotheek in Spanje te berekenen, kunt u het beste contact opnemen met een hypotheekadviseur . Zij kunnen u helpen bij het vinden van de beste hypotheek voor uw situatie en uitleggen welke documenten u nodig heeft om de hypotheekaanvraag in te dienen.
Mortgage Broker
23 Mar, 2023
Looking for a reliable mortgage broker? Our experts help you secure the perfect home loan. Get personalized advice today
Mortgage loan originator
20 Mar, 2023
Discover the ease and expertise of Mortgage in Spain, specializing in non-resident clients. Streamline your mortgage journey with tailored solutions and access to a wide network of lenders. Trust our team to make your Spanish property dreams a reality.
Spanish Mortgages Calculator
07 Feb, 2023
A Spanish mortgage calculator is a valuable tool that can help you estimate the cost of your mortgage in Spain. It takes into account factors such as the amount you want to borrow, the interest rate, and the repayment term, to give you a rough estimate of your monthly repayments and the total cost of your mortgage. However, it is important to remember that the results from a Spanish mortgage calculator should be used as a guide only, and not as a definitive answer.
Spanish mortgage, characteristics
07 Feb, 2023
The Spanish mortgage market has a number of unique characteristics that impact the process of securing a mortgage and the terms of the mortgage itself. Understanding these characteristics is essential for anyone looking to secure a mortgage in Spain, and working with a Spanish mortgage broker can help make the process smoother and more successful.
Mortgage rates in spain
01 Feb, 2023
As a mortgage broker in Spain, one of the most common questions we receive from clients is about the current mortgage rates in the country. And it's no surprise, as mortgage rates can have a significant impact on the affordability of a home purchase.
Spanish Mortgage Broker
19 Jan, 2023
Using a Spanish mortgage broker can offer many benefits over going directly to a bank branch in person. With their expertise, access to a wider range of lenders, speed and efficiency, negotiating power, personalized service, and peace of mind, a Spanish mortgage broker can make the process of securing a mortgage in Spain much smoother and more successful.Find the list of benefits to use a Spanich Mortgage Broker
04 Apr, 2021
Mortgage Broker Barcelona
Mortgage for property in Spain
31 Mar, 2021
Secure your dream Spanish home with Mortgage in Spain. Tailored mortgages for non-residents, expert legal guidance, and seamless processes await. Contact us now!"
courtier prêt immobilier
17 Jan, 2021
Demandez votre prêt hypothécaire. Parlez à un courtier maintenant . Service personnalisé en français.
Everything you need to know about mortgage expenses in Spain
by Mortgage in Spain.es 27 Nov, 2020
If you are going to buy a house in Spain, it is important to know the expenses associated with the purchase and the mortgage. On our website you will find updated information. Get informed now
How to get a mortgage in Spain
by Mortgage in Spain.es 01 Nov, 2020
Buying a home is a very large investment that depends on a multitude of factors, and it can be a long and complicated process in any circumstance. At Mortgages in Spain.es we help you get the mortgage in Spain you need to buy your home.
Share by: