One calculator: your potential mortgage, the term and the monthly repayment, your eligibility, and the savings you need to complete. Get a live score and share your simulation by email or WhatsApp.
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Simulated bank scoring
Add your net monthly income above and we will score this the way a Spanish lender would.
Indicative only. Real scoring also weighs your employment type, income currency, nationality, documentation and the bank’s own appetite on the day.
Estimated maximum mortgage
Spelling does not have to be perfect — we will suggest the closest matches.
Your deposit is whatever the mortgage does not cover, plus the taxes and fees a Spanish purchase carries.
Estimates for guidance only, based on an orientative rate of 2.75% and the purchase tax of the region you select. Not a mortgage offer, not financial advice, and not a substitute for a lender’s decision.
An adviser will look at your simulation and come back to you.
The simulation we will send
Now the part a calculator cannot do
The figures above are arithmetic, and honest arithmetic. Whether a Spanish bank actually says yes depends on things no calculator knows — and that is the part we do.
The price, your age, your income, the loan-to-value rule for your residency, and the purchase tax of the region you chose. That is genuinely useful, and it is why we publish the assumptions below.
Whether you are employed or run your own company. Whether you are paid in euros, sterling or dollars. Your nationality, where you pay tax, how complete your paperwork is — and which banks are comfortable with a profile like yours this month, which changes.
One bank offers you one product, priced on how it happens to feel about non-residents that week. We put your file to several, so they compete for it. Over a 20-year mortgage, three tenths of a percent is thousands of euros — and it is decided by how the application is presented, not by this page.
Registered with the Bank of Spain, number D647
No fee until your purchase completes
English, Spanish, German and Dutch
Pick a time that suits you. Twenty-five minutes, by phone or Google Meet, with an adviser who works on international cases every day. No cost and no obligation.
Not loading? Open the booking page in a new tab Prefer to write instead? Send us your figures and we will come back to you.
The rates we are working with right now. The one you end up with depends on your income, your deposit and the bank that suits your case best.
One rate for the whole term.
Then the 12-month Euribor plus the lender’s spread.
Then the 12-month Euribor plus the lender’s spread.
Indicative. Rates, taxes and rules change and depend on lender criteria, region and individual circumstances.
Work out what you can borrowEvery figure above comes from these rules. We publish them because a calculator you cannot check is worth very little.
| Rule | Non-resident | Resident in Spain |
|---|---|---|
| Maximum loan to value | 70% of price or valuation, whichever is lower | 80% of price or valuation, whichever is lower |
| Longest common term | 25 years | 30 years |
| Age at the end of the mortgage | 75 — the maximum term shortens automatically if your age requires it | |
| Maximum share of net income | 40% including existing loans and credit commitments. This is what drives the score | |
| Interest rate used | 2.75% orientative. Real offers depend on the lender, the product and your profile, and may be fixed, variable or mixed | |
| Purchase tax | The actual rate of the region you select, across all 17 communities plus Ceuta & Melilla — flat, banded or marginal exactly as each region applies it. Resale: transfer tax (ITP). New build: 10% VAT (7% IGIC in the Canaries, 4% IPSI in Ceuta & Melilla) plus stamp duty | |
| Notary, registry & admin | A real amount, banded by property price — from €1,200 on a purchase up to €150,000 to €4,500 above €1m. Not a percentage | |
| Legal fees | Banded the same way — €2,000 up to €150,000, rising to €7,500 above €1m | |
| Stamp duty on new build (AJD) | The rate of the region you select, 0.5% to 2%. Some regions raise it above a price threshold, and that is applied too | |
| Valuation & mortgage costs | Valuation €400–€900 and the first year of home insurance, both banded by price, plus our fee, banded on the mortgage amount (minimum €2,200). Bank set-up costs are €0 — Spanish banks cover them by law | |
| Not included | Currency conversion costs, furniture, community fees, IBI council tax, home insurance, or non-resident income tax | |
This page shows you the arithmetic and an indicative score. Whether a Spanish lender approves you depends on your income currency, your employment type, your documentation and which banks are comfortable with your profile right now. That is a conversation, and it is free.
Hipoteken International Mortgages — HIPOTEKEN, S.L. Registered and regulated by the Bank of Spain, registration number D647. See more here
