Non-Resident Mortgages

For those who are receiving income & being taxed outside Spain, banks will provide non-resident mortgages of between the 60% and 70% of your purchase, depending on your country of origin and circumstances. 

At Hipoteken, we are happy to provide experienced advice to ensure we can secure you a mortgage solution, regardless of the country where you are generating your income.

We have many happy clients from locations all over the world, such as the UK, Ireland, Germany, Netherlands, Belgium, United States, France, Sweden, Norway…. and many others!

What is a
Non-Resident mortgage?

A non-resident Spanish mortgage refers to a lending agreement that is offered to individuals who are not tax residents in Spain. 

As a non-resident in Spain, you will typically be offered:

  •  A mortgage of between 60% and 70% of the property price or valuation.
  • Mortgage terms of  20 to 25 years, depending on the applicant’s age.


Getting a mortgage as a non-resident in Spain can be challenging, that is why we recommend you count on us to help you along the way!

non-resident Mortgages

Why work with Hipoteken to
Get a non-resident mortgage?

Understanding mortgages and dealing with Spanish banks is not always simple. Language, paperwork and processes are likely to be very different to those in your country.

Having helped international clients with non-resident mortgages for many years, our aim is to understand our client’s needs and to make sure we can provide you with a mortgage in principle in the best possible terms and in reasonable time.

Wouldn’t you feel more confident viewing properties when you know a mortgage expert has got your case in hand and a mortgage in principle ready to go? This is our target!

With Hipoteken you will:

  • Work with a registered mortgage broker, so you get all guarantees of working with qualified agents who will make sure the conditions of your mortgage are fair.
  • Increase your chances of getting a mortgage, as we will submit your application to several banks at the same time.
  • Increase your chances of getting a good mortgage deal, as we will always get banks to offer their best rate possible.

Non-Resident mortgage

With our non-resident mortgage calculator, you can estimate how much you could ask for as a mortgage and the resulting monthly repayments.   For a full personal simulation, please contact us!

How do
We start?

This how we recommend we start together with your mortgage process:


Contact us! We will call you shortly so we can know more about your needs. We love to speak to our clients!


Check out the Mortgage calculator. You can see how much your repayments would be, or estimate your eligibility.


Go to our blog to see some of the information we post there, as well as our frequently asked questions.


Still in doubt? Read in the testimonials section what our clients say about us!

What are the keys in selecting a mortgage?

1 Loan to value (LTV%)This is the % of your purchase price the bank is ready to finance you.

2 Type of mortgage – Is the interest rate fixed or variable?
3 Interest rate (i%)  How much is the bank charging you for your loan.
4 Set up cost – How much are the set up costs of the mortgage?
5 Combined sale products – Do you have to take bank’s products together with the mortgage? Is their cost reasonable? Do I need them?

Some of the mortgages we can offer depending on your purchase…

Resale mortgages
New Build mortgages
Self Build mortgages
Resale with refurb mortgages
Inverse mortgages

Leave your mortgage application to us, we will take care of it all and make sure we try all possible options to get you the mortgage you need!

Contact us

We will contact you as soon as possible!

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