Safe budget
What property price can you realistically target?
Income, debts, age, term, savings, purchase costs and a prudent buffer are read together.
Mortgage in Spain · International buyers
Mortgage in Spain for non-residents — know what you can buy before you reserve
Hipotify reviews your residence, income, currency, savings, debts and target property to define a realistic mortgage route, the cash you will need and the risks to control before committing money.
- Safe purchase budget and realistic financing range
- Spanish banks that fit your international profile
- Reservation, valuation, timing and cash-gap risks
Initial case review · No bank application is made when you submit the form.
Before reservation or arras
The four answers that control a non-resident purchase in Spain
A generic bank indication is not enough. The purchase must still work after taxes, valuation, linked products, deadlines and the cash you need to keep available.
Financing
How much could Spanish banks finance?
A realistic LTV route based on residence, currency, employment, country and property use.
Cash
How much money must you bring to completion?
Deposit not financed, taxes, purchase costs, valuation shortfall and contingency.
Risk
What could delay or break the transaction?
Reservation wording, documents, bank timing, valuation, currency and ownership issues.
International profiles
Your nationality does not define the mortgage. Your financial classification does.
Tax residence, income source and currency, time in Spain, property use and documentation determine which lenders are realistic.
Non-resident mortgage Spain
You live outside Spain and want a second home or investment property
Banks normally apply a more conservative approach to financing, documentation and debt capacity. We define the realistic route before you reserve.
- The bank will test
- Country, tax residence, income currency, employment stability, debts, source of funds and property use.
- You receive
- A safe budget, financing range, lender map, cash plan and reservation risk review.
Expat mortgage Spain
You live in Spain, but your profile is still international
Recent residency, mixed income, a foreign employer or limited Spanish tax history can make a supposedly local case more complex.
- The bank will test
- Residency status, Spanish tax history, payroll origin, contract, probation period and local banking history.
- You receive
- Correct classification, document strategy, mortgage capacity and the lenders most comfortable with your case.
Foreign-income mortgage Spain
You earn abroad or in a currency other than the euro
A high salary can still be a weak mortgage file if stability, taxation, currency exposure or employer information is not presented clearly.
- The bank will test
- Currency, volatility, income evidence, employer or business strength, tax returns and translated documents.
- You receive
- A bank-ready income narrative, FX stress test, debt calculation and realistic lender route.
Investor or company buyer
You are buying for yield, through a company or as part of a portfolio
The mortgage cannot be separated from ownership, rental strategy, management cost, source of funds and exit plan.
- The bank will test
- Company accounts, beneficial owners, guarantees, source of funds, rental assumptions and asset quality.
- You receive
- Financing strategy, structure review, purchase economics and a route for management or future sale.
Spanish national living abroad
You are Spanish, but your tax residence or income is outside Spain
Spanish nationality helps with familiarity, but lenders can still underwrite the file as non-resident or foreign-income.
- The bank will test
- Tax residence, payroll country, currency, return plans, existing Spanish assets and total debt.
- You receive
- Correct bank positioning, cash model, documentation plan and purchase timing.
The expensive mistakes happen early
Do not let a strong international profile become a weak Spanish mortgage file
Most failures come from reserving too early, targeting the wrong price, choosing a lender that does not understand the profile or discovering the cash gap after the property is already at risk.
- 01Wrong buying budgetThe search begins with a property price instead of safe cash and mortgage capacity.
- 02Wrong lenderThe bank does not accept the country, currency, income type or ownership route.
- 03Reservation pressureMoney is committed before valuation, documents and financing conditions are controlled.
- 04Hidden cash gapTaxes, costs, valuation shortfall and linked products were not modelled properly.
Hipotify Buy with Green Light
One controlled route from feasibility to completion
We do not send your profile randomly to banks. We diagnose the case, prepare the file, choose the route and compare the final decision on cost, risk and flexibility.
Know what is viable
Safe budget, possible financing, cash required, red flags and next steps before you reserve.
- Purchase and cash model
- Estimated LTV route
- Debt and affordability review
- Reservation warnings
Present the case correctly
We organise the evidence, explain the international profile and select lenders that fit the case.
- Document validation
- Bank selection by profile
- Offer and valuation control
- Negotiation and follow-up
Choose the right mortgage
Offers are compared by total cost, linked products, clauses and flexibility through FEIN and completion.
- Normalised comparison
- Linked-product review
- FEIN and notary support
- 10-year aftercare
Mortgage advisory fee€3,900 at success€0 if the mortgage does not complete through our service.
Bank-independent advice
+20 banking partners
We work with more than 20 banks while remaining fully independent from all of them.
Your starting point matters
Already found a property, or still searching?
You have chosen, negotiated or reserved a property
We prioritise the financing gap, valuation risk, reservation conditions, documents and deadline to determine whether the purchase can still be controlled.
- Fast feasibility and cash review
- Reservation and deadline risk
- Bank route and valuation coordination
- Offer comparison through signing
You want the mortgage budget before choosing the home
We define the financing and safe price first. You can then search independently or add Hipotify PSI to filter, match, visit and negotiate with the mortgage route already in place.
- Green Light budget first
- Search brief based on real cash
- Matching and offmarket where available
- Offer strategy linked to financing
Optional PSI property search€1,900VAT included
Non-resident mortgage reality
How much can a non-resident borrow in Spain?
Many cases are initially assessed around 60% to 70% of the lower of purchase price or valuation. Stronger profiles may access higher routes, but the result depends on the complete file rather than one headline percentage.
Selected strong cases may be reviewed up to 80% or 85%. This is not a promise or pre-approval. Country, currency, income stability, debt ratio, property, valuation and lender policy all matter.
Use the Hipotify mortgage viability calculatorCommon starting range60–70%
Strong selected profilesUp to 80%
Very specific strong casesUp to 85%
Illustrative LTV only · calculated on the lower of purchase price or valuation.
Clear fee · aligned outcome
€3,900 only when your mortgage completes
The core mortgage service includes feasibility, file strategy, lender selection, negotiation, normalised comparison and coordination to signing. Hipotify receives no commissions from banks.
Included in the service
- A defendable buying plan before commitment
- A route beyond one bank or branch
- Correct presentation of an international file
- Comparison of real cost and linked products
- Control through valuation, FEIN and notary
Mortgage documents for foreign buyers
Prepare the file once. Explain it clearly.
Requirements vary by bank and profile. The objective is not merely to collect documents, but to demonstrate stable income, transparent funds and a coherent purchase.
01Identity and residence
Passport or ID, NIE if available, proof of address, tax residence and marital status where relevant.
02Income and employment
Payslips, employment contract, employer evidence, tax returns, business accounts or self-employed records.
03Banking and debts
Bank statements, existing loans and mortgages, credit commitments, savings and source of funds.
04Property and purchase
Property details, reservation or arras contract, purchase price, valuation timing and intended use.
05Company route
Company deeds, accounts, tax filings, ownership chart, beneficial owners and possible guarantees.
06Translations and context
Certified translations or explanations when the lender cannot assess the original evidence directly.
Non-resident mortgage Spain FAQ
Questions foreign buyers ask before applying for a mortgage in Spain
Clear answers to the issues that most often affect financing, cash and timing.
Can a non-resident get a mortgage in Spain?
Yes. Spanish banks lend to many non-residents, but the financing level and conditions depend on tax residence, country, income currency, employment stability, debts, savings, property use, valuation and the lender's current policy.
How much deposit does a non-resident need to buy property in Spain?
You normally need the part of the purchase price not financed by the bank, plus taxes, purchase costs and a safety buffer. Because many cases start around 60% to 70% financing, the total cash requirement can be materially higher than for a Spanish resident.
Can a non-resident mortgage in Spain reach 80% or 85%?
Some strong profiles may access routes up to 80%, and very specific cases may be reviewed up to 85%. It is never guaranteed. The result depends on the complete profile, property, valuation, country, currency and bank appetite.
Which Spanish banks offer mortgages to foreigners?
Several Spanish banks work with international buyers, but lender appetite changes by country, currency, income type, purchase purpose and property. The useful question is not which banks lend to foreigners in general, but which lenders fit your exact file.
Can I get a mortgage in Spain with foreign income?
Potentially, yes. Banks assess currency, stability, documentation, tax evidence, employer or business activity and total debt. Some currencies and countries are easier for certain lenders than others.
Do I need an NIE before applying for a Spanish mortgage?
An NIE is normally required to complete the purchase and mortgage. Some initial feasibility work can begin before it is issued, but the timing should be planned early so it does not delay the bank or notary process.
Should I sign a reservation or arras contract before mortgage approval?
Only after the financing range, cash requirement, valuation risk, deadlines and protective clauses have been reviewed. A generic verbal indication from a bank is not the same as a controlled mortgage route.
Can Hipotify help if I have already reserved a property?
Yes. The case becomes time-sensitive. We review the deadline, cash gap, documentation, valuation and realistic lenders to determine whether the transaction can still be managed safely.
Can Hipotify help me find a property in Spain?
Yes. The optional PSI service starts from the mortgage budget and supports property filtering, matching, offmarket opportunities where available, visits and offer strategy. The fee is €1,900 VAT included.
Can I buy through a company or patrimonial structure?
It can be analysed, especially for investors or portfolio buyers. The route may require company deeds, accounts, tax filings, beneficial-owner information, source of funds and personal guarantees. Legal and tax advice may also be needed.
How much does Hipotify charge for the mortgage service?
The mortgage advisory fee is €3,900 on success. If the mortgage does not complete through the service, the fee is €0. Hipotify does not receive bank commissions, and completing clients receive 10 years of post-signing support.
How long does a non-resident mortgage in Spain take?
Timing varies with documents, translations, bank underwriting, valuation, the property and legal deadlines. A clean, well-prepared file is usually faster, but no responsible adviser should promise a fixed completion date before reviewing the case.
Before you reserve
Know whether the purchase works before you put money at risk
Tell us where you live, how you earn, the property price, your savings and your timeline. We will review the realistic mortgage route for buying in Spain.
Initial case review
Approximately 3 minutes
Crear tu cuenta lleva 2 min
Empieza gratis y descubre una forma más sencilla de tener tu gestión financiera bajo control.
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