Spanish Mortgages in 2024 are below 2023 levels. Spanish Banks have tightened criteria due to high interest rates. Euro based non resident applicants for a mortgage in Spain will experience no difficulties. Non euro earners will have limitations. Increased stress level tests and reduced exchange rate calculations make it more difficult. Particularly to meet affordability ratios. Spanish Banks are focusing on the mid range property market. Excluding Spanish mortgages for the lower level of the market.
Buying Real Estate
with a Mortgage in Spain
Currency exchange
Obtain the best possible currency rates and expert on information of when to transfer based on market conditions.
Documents required
Spanish Banks require certain documents are presented in order for them to assess a mortgage. No self certified or minimum documentation loans are available. All Spanish Mortgages are full status.
Self Build loans Spain
Are you considering buying a plot and building your own property find out what lending facilities are available and at what point in the project funds can be made available.
Testimonials
Feedback from clients
Dear Heather, Ravena and Cecilia
You have been more than helpful and should we find anything else that we feel suits our needs we would not hesitate to use your company again.
You have been an absolute star and I cannot thank you enough because we may have been pressured into paying a 3000 Euro deposit early on if it wasn’t for you and your valuable information.
Hopefully we will be successful at securing a property in Majorca in the near future and look forward to working with you again.
Kindest Regards and Highest Recommendations,
Catherine, Keith, Ray and Marie
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