Non-Resident Mortgage Spain | Albiralia – Costa Blanca, Costa del Sol, Canary Islands
Albiralia · Mortgage Services

Your Mortgage
in Spain
Made Simple

Personalised mortgage brokerage for non-residents buying property in Spain. We select the right bank for your profile and secure the best rate — efficiently.

Calculate My Mortgage What’s Included
9+ Partner Banks
70% Max LTV — Non-Residents
0€ Upfront Fee
No Mortgage · No Fee
Fast Turnaround
Dedicated Advisor
Bank Account Setup Included
EN · ES · NO · RU
Why choose Albiralia

Your complete
Spanish Mortgage Solution

Buying property in Spain as a non-resident involves more than finding the right mortgage. As both a mortgage broker and a real estate agency, Albiralia offers a truly end-to-end service — from finding your ideal property, including brand-new developments with exclusive mortgage conditions, to securing the best financing and accompanying you all the way to completion.

Our fee pays for itself — many times over

If you approach the same bank we work with directly, you will never obtain the same conditions we negotiate on your behalf. Banks offer their best rates to intermediaries who bring consistent volume — not to individual clients. On a 20-year mortgage of €200,000, even a 0.25% rate difference saves you over €10,000 in interest. Our €1,295 fee is not a cost — it is one of the smartest investments you make in your Spanish property.

Right Bank for Your Profile

Every client is different. Depending on your economic profile, country of residence, and income currency, we select the lender most likely to offer the best conditions for your specific situation.

Fast, Personalised Service

International buyers face unique challenges. Your dedicated advisor guides you from the first consultation to the keys in your hand, minimising delays and ensuring everything runs smoothly.

Best Market Rate, Guaranteed

Our deep relationships with Spanish bank underwriting teams consistently enable us to secure rates and conditions that clients simply cannot obtain by approaching lenders directly.

No Mortgage · No Fee

Our success fee of €1,295 is only due if you proceed. And consider this: a client who approaches the same bank directly will never receive the same rates we negotiate — making our fee one of the best returns on investment in your entire property purchase.

Insurance Guidance

Spanish banks require home insurance as a minimum. We advise on home, health, and life insurance options so you get appropriate coverage without overpaying on products you do not need.

Multilingual Support

We work fluently in English, Spanish, Norwegian, and Russian. Whatever your background, you will always be advised in your own language and never left to navigate complexity alone.

Anna – Mortgage Advisor, Albiralia
Your dedicated advisor

Meet Anna

Mortgage Advisor · Albiralia Property Management

With a background working in Spanish banks and as an eiendomsforvalter (property manager with a portfolio of over 200 properties) in Oslo, Norway, I bring a genuinely international perspective to every client conversation. I hold degrees in Economics from universities in both Spain and Norway, among other qualifications — a foundation that gives me a deep understanding of financial structures, property markets, and the decisions that truly matter when making a long-term investment.

I work with a trusted network of major Spanish banks and select the lender that best fits each client’s individual profile — taking into account their nationality, country of income, currency, and financial background. My goal is not simply to find a mortgage, but to find the right mortgage: the one that gives you the best rate, the most favourable conditions, and the confidence to move forward with your purchase.

Based on the Costa Blanca and active across all of Spain, I accompany you through every step — from the first free study to signing at the notary. And because Albiralia is also a real estate agency, I can also help you find the right property in the first place, including new-build developments where we secure preferential mortgage conditions unavailable to buyers approaching banks directly.

🇬🇧 English 🇪🇸 Spanish 🇳🇴 Norwegian 🇷🇺 Russian
Get Your Free Mortgage Study anna@albiralia.es
Our process

From first call to
keys in your hands

A clear five-step journey designed around the international buyer — handled with precision so you always know exactly where you stand.

01

Free Pre-Study

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

02

Bank Selection & Application

Your advisor selects the most suitable bank based on your economic profile, country of income, and currency — then negotiates your offer.

03

Bank Account Setup

Your advisor selects the most suitable bank based on your economic profile, country of income, and currency — then negotiates your offer.

04

Property Valuation

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

05

Notary & Completion

We coordinate with the notary, your lawyer, and the bank to ensure a smooth, on-time completion.

Our banking network

Access to the
major Spanish banks

We work with a broad panel of leading Spanish lenders. Based on your profile — nationality, income currency, and property type — we identify the bank best positioned to offer you the most competitive conditions.

SB
Sabadell
CB
CaixaBank
BK
Bankinter
AB
Abanca
SN
Santander
BB
BBVA
UC
Unicaja
CS
Cajasur
IB
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 your Spanish property purchase is straightforward, secure, and stress-free.

  • Spanish Bank AccountAssistance opening an account with the most suitable Spanish bank for mortgage payments and property costs.
  • Property ValuationAn accurate bank appraisal on the property, preventing a reduction in your mortgage offer at the last moment.
  • Land Register ReportUp-to-date transcript from the Spanish Land Register to verify ownership and encumbrances on the property.
  • Insurance GuidanceExpert advice on compulsory home insurance and optional health and life insurance tailored to your specific needs.
  • Lawyer & Notary CoordinationWe work directly with your lawyer and the notary to ensure a smooth, timely signing and completion.
  • Full Cost BreakdownA detailed calculation of taxes, notary fees, and all purchase costs before you commit to anything.
  • Currency Transfer AdviceWe connect you with competitive currency transfer services to minimise exchange rate costs on your purchase funds.

Simple, Transparent Pricing

No surprises. Our fee is fixed regardless of the mortgage amount — and only payable if you proceed.

Why you cannot get the same deal directly Banks reserve their best rates for brokers who bring consistent business. If you walk into the same bank on your own, you will receive standard pricing — not our negotiated rate. Over a 10-year mortgage, the difference easily exceeds our entire fee many times over.

€1,295
Fixed success fee
No mortgage = No fee, ever

For complex applications — self-employed, mixed income, or commercial financing — a set-up fee of €1,595 applies, agreed transparently in advance.

Get a Free Pre-Study
Mortgage calculator

Estimate your
Spanish mortgage payments

Adjust the values to match your situation and see indicative monthly payments for fixed and variable rates. Then request your personalised free study below.

Mortgage Calculator

10%70% max
Mortgage Amount —
Maximum Term —
Loan to Value —
📈 Variable Rate
—
Euribor + spread
🔒 Fixed Rate
—
Fixed term rate

* Indicative estimates based on typical non-resident mortgage rates, May 2026. Actual rates depend on your financial profile, income currency, LTV, and the bank selected. For accurate figures, request your free personalised study below.

Enter your purchase price and age to see estimated payments

Free Mortgage Study Request

🔒 Your information is confidential and used solely to prepare your personalised mortgage study. You are never added to mailing lists without consent.

Thank you!

We have received your request and will be in touch within one business day with your personalised mortgage study.

For urgent enquiries, contact Anna directly:
anna@albiralia.es

Where we work

Non-resident mortgages
all across Spain

Based on the Costa Blanca, we arrange non-resident mortgages throughout all of Spain. These are the regions our international clients most frequently invest in.

Costa Blanca

Alicante Province

Our home region and primary area of expertise, attracting buyers from Scandinavia, the UK, Germany and beyond for its outstanding climate, infrastructure, and value for money.

AlteaAlbirBenidormJáveaDéniaAlicanteTorreviejaCalpe

Costa del Sol

Málaga Province

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.

MarbellaMálagaEsteponaNerjaBenalmádenaFuengirola

Costa Brava

Barcelona Province

One of Europe’s most coveted coastlines, combining dramatic scenery with excellent connectivity to Barcelona. A growing destination for international buyers seeking both lifestyle and investment value.

Lloret de MarTossa de MarPlatja d’AroBegurCadaquésRoses

Canary Islands

Atlantic Ocean

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

TenerifeGran CanariaLanzaroteFuerteventuraLa Palma

Balearic Islands

Mediterranean Sea

From Mallorca’s luxury estates to Ibiza’s sought-after villas and the natural beauty of Menorca, we arrange non-resident financing across the Balearic Islands.

MallorcaIbizaMenorcaFormentera
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 at least 30% of the property price as your own funds, plus approximately 10–14% to cover purchase taxes, notary fees, and other costs.
Yes, fixed-rate mortgages are available to non-residents from several Spanish banks. Availability can depend on your income currency — some banks apply restrictions for non-Euro income. We will advise on the best option based on your specific profile and present competitive offers for both rate types.
With all documents prepared promptly, a Spanish non-resident mortgage typically takes 4–8 weeks from application to completion. Our process and direct relationships with bank underwriting teams help minimise delays and keep your purchase on schedule.
Typically: valid passport, last 2–3 years of tax returns or salary slips, last 3 months of bank statements, proof of existing assets, and details of the property you wish to purchase. Exact requirements vary by bank and profile. Your advisor will provide you with a personalised document checklist.
The final signing at the notary requires your physical presence in Spain, or you may grant a power of attorney (Poder Notarial) to a lawyer who can sign on your behalf. We advise on the most practical approach and coordinate all arrangements with the notary.
Budget approximately 10–14% on top of the purchase price: ITP transfer tax (6–10% for resale properties depending on region), 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 your free pre-study.

Looking to buy property
in Spain?

Whether you have already found your property or are just starting to explore — as a real estate agency and mortgage broker, Albiralia can guide you every step of the way. Request your free mortgage study today.

Request Free Pre-Study






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