Certified Mortgage Broker in Spain · Registered with Banco de España

Your Spanish Mortgage
Made Simple

Personalised mortgage brokerage for non-residents buying property in Spain. We select the best bank for your profile to secure the optimal rate — fast.

Calculate My Mortgage What’s Included?

Partner Banks Available

70%

Max LTV for Non-Residents

5★

Average Google Rating

€0

Upfront Fee

Why choose us

Everything you need to secure
your Spanish mortgage

Whether you are buying a holiday home on the Costa Blanca, an investment property in the Canary Islands, or your dream villa on the Costa del Sol — we handle the entire mortgage process from start to signature.

The Right Bank for Your Profile

Every client is different. Depending on your economic profile, country of residence, and income currency, we carefully select the bank — or banks — most likely to offer you the best conditions. The right match means better rates and a faster approval.

Fast & Personalised Service

We understand that international buyers have complex situations. Your dedicated mortgage advisor will guide you from the first call to keys in hand, minimising delays and stress.

Best Market Rate, Guaranteed

Our deep knowledge of Spanish bank pricing and long-term relationships with lenders means we consistently secure rates that clients cannot obtain by approaching banks directly.

No Mortgage · No Fee

Our fixed success fee of €1,295 is only payable if you choose to proceed with one of the mortgage offers we secure for you. Zero upfront costs, complete peace of mind.

Expert Insurance Advice

Spanish banks require home insurance at a minimum. We advise you on home, health, and life insurance options — ensuring you get appropriate coverage without overpaying.

Multilingual Support

We communicate fluently in English, Spanish, Norwegian, and Russian — so language is never a barrier on your path to owning property in Spain.

Our process

From application to
keys in your hands

A clear, guided process designed around the needs of international buyers — handled efficiently so you can focus on finding your ideal property.

Free Pre-Study

We assess your financial profile and provide a realistic estimate of conditions available — before any bank application is made.

Bank Account Setup

We assist you with opening a Spanish bank account with the most suitable lender for your profile and circumstances.

Bank Selection & Application

Your dedicated advisor analyses your profile and selects the most suitable bank for your situation, then prepares and submits a strong application to negotiate the best possible offer on your behalf.

Property Valuation

We coordinate an official bank appraisal on the property you wish to purchase, ensuring accuracy and preventing delays.

Offer Review

We present the bank offers with a full cost breakdown — taxes, notary fees, registration — so you can make a fully informed decision.

Notary & Completion

We coordinate with the notary, your lawyer, and the bank to ensure a smooth, on-time completion. We are with you at every step.

Our banking network

Access to the major Spanish banks

We work with a broad network of leading Spanish banks. Based on your economic profile, country of residence, and income currency, we select the lender best suited to your specific situation — ensuring you receive the most competitive offer available.

Banco Sabadell

CaixaBank

Bankinter

Abanca

Santander

BBVA

Unicaja

Cajasur

ING Spain

Everything included

A complete
end-to-end service

Our service goes far beyond finding a mortgage. We take care of every administrative and legal step so that buying your Spanish property is straightforward, secure, and stress-free.

Spanish Bank Account — Assistance opening an account with a suitable Spanish bank, required for mortgage payments.
Property Valuation — An accurate bank appraisal on the property, preventing a reduction in your mortgage offer.
Land Register Report — Up-to-date transcript from the Spanish Land Register to verify ownership and encumbrances.
Insurance Advice — Guidance on compulsory home insurance and optional health and life insurance products tailored to your needs.
Lawyer & Notary Coordination — We work directly with your lawyer and the notary to ensure a smooth, timely completion.
Full Cost Breakdown — A detailed calculation of taxes, notary fees, and all purchase costs before you commit.
Currency Exchange Advice — We connect you with competitive currency transfer services to minimise exchange rate costs.

Simple, Transparent Pricing

No surprises. Our fee is fixed, regardless of the mortgage amount — and is only payable if you choose to proceed with one of the offers we obtain for you.

€1,295 fixed success fee
No mortgage = No fee

For complex applications (self-employed, mixed income, commercial financing), a separate set-up fee of €1,595 applies, agreed in advance. Contact us to discuss your specific situation.

Get a Free Pre-Study

Where we work

Non-resident mortgages
all across Spain

We are based on the Costa Blanca but arrange non-resident mortgages throughout the whole of Spain. These are the regions our international clients most frequently invest in.

Alicante Province

Costa Blanca

Our home region and primary area of expertise. The Costa Blanca attracts buyers from Scandinavia, the UK, Germany and across Europe for its climate, infrastructure, and value for money.

Altea Albir Benidorm Jávea Dénia Alicante Torrevieja Calpe

Málaga Province

Costa del Sol

Spain’s most international property market. From Marbella’s Golden Mile to Nerja’s whitewashed streets, we secure competitive non-resident mortgages throughout Málaga province.

Marbella Málaga Estepona Nerja Benalmádena Fuengirola

Atlantic Ocean

Canary Islands

Year-round sunshine and unique tax advantages make the Canary Islands a top choice for international property investors. We arrange non-resident mortgages across all seven islands.

Tenerife Gran Canaria Lanzarote Fuerteventura La Palma La Gomera

Mediterranean Sea

Balearic Islands

From Mallorca’s luxury estates to Ibiza’s sought-after villas and the quieter beauty of Menorca, we secure non-resident financing across the Balearic Islands for international buyers.

Mallorca Ibiza Menorca Formentera

Mortgage calculator

Estimate your
Spanish mortgage payments

Based on current fixed and variable mortgage rates for non-residents in Spain. Adjust the sliders to match your situation, then request a personalised free study.

Mortgage Calculator

Purchase Price (€)

Your Age

Loan to Value — 60% (Max 70% for non-residents)

10%70% max

Mortgage Amount —

Maximum Term —

Loan to Value —

📈 Variable Rate

—

Euribor + spread

🔒 Fixed Rate

—

Fixed term rate

* Monthly payment estimates based on typical non-resident mortgage rates for May 2026. Actual rates depend on your financial profile, income currency, LTV, property type, and the bank selected. Variable rates are adjusted every 6–12 months according to 12-month Euribor. This calculator is for indicative purposes only.

Enter your purchase price and age to see estimated payments

Get Your Free Mortgage Study

Fill in your details and we will send you a personalised breakdown of the mortgage conditions we can arrange for you — including all taxes and purchase costs. Completely free, no obligation.

Thank you!

We have received your request and will get back to you within one business day with your personalised mortgage study.

If you have any urgent questions, feel free to contact us directly at anna@albiralia.es

Your dedicated advisor

Meet Anna

With a background in banking and years of experience helping international clients secure financing in Spain, I understand the unique challenges that non-residents face when buying property here.

Based on the Costa Blanca and active across all of Spain, I work with a trusted network of banks and professionals to match each client with the mortgage that best suits their profile — not just the best rate in the market, but the right solution for their specific situation.

I speak English, Spanish, Norwegian and Russian — so wherever you are from, you will always feel in good hands.

Get a Free Study anna@albiralia.es

Common questions

Non-resident mortgage
FAQs

Spanish banks typically lend up to 70% of the purchase price or valuation (whichever is lower) for non-resident buyers. This means you need to have at least 30% of the property price available as your own funds, plus an additional 10–15% to cover purchase taxes, notary fees, and other costs.

Yes, fixed-rate mortgages are available to non-residents from several Spanish banks. The availability of a fixed rate can depend on your income currency — some banks apply restrictions for non-Euro income. We will advise you on the best option based on your specific profile and present offers from both fixed and variable rate lenders.

With all documents prepared and submitted promptly, a Spanish non-resident mortgage typically takes 4–8 weeks from application to completion. Our streamlined process and direct relationships with bank underwriting teams help us minimise delays and keep your purchase on track.

Typically: valid passport, last 2–3 years of tax returns or P60/salary slips, last 3 months of bank statements, proof of existing assets, and details of the property. The exact requirements vary by bank and your financial profile. Your dedicated advisor will provide you with a full personalised checklist.

The final signing at the notary requires your physical presence in Spain, or alternatively you can grant a power of attorney (Poder Notarial) to a lawyer who can sign on your behalf. We advise on the most practical approach for your situation and coordinate all arrangements with the notary.

In addition to the purchase price and your deposit, budget approximately 10–14% in additional costs: ITP transfer tax (6–10% depending on region for resale properties), or VAT + stamp duty for new builds (10%+1.5%), plus notary fees, land registry fees, and legal fees. We provide a full cost breakdown as part of our free pre-study.

Your Spanish MortgageMade Simple

Everything you need to secureyour Spanish mortgage