Spanish mortgages in Galicia.
Buying in Galicia
Galicia is Spain’s Atlantic soul: Santiago de Compostela, the fjord-like Rías Baixas, the wild Costa da Morte and the vineyard canyons of the Ribeira Sacra.
Northern “Green Spain” is increasingly popular with buyers seeking cooler summers and unspoilt landscapes. Lenders finance non-resident purchases in Galicia just as they do on the Mediterranean coast, typically up to 60–70% of the property value, with terms up to 25 years.
Wherever in the world you're based, our team compares terms across 15+ Spanish lenders, negotiates on your behalf, arranges your property valuation, and stays with you and the bank right through to completion.
Book a Free Consultation →A local cost to know
Resale homes in Galicia carry a regional property transfer tax (ITP) of around 9% of the purchase price. New-build homes pay 10% VAT plus stamp duty instead. Treat this as a general guide: the exact rate depends on the price, your circumstances and current regional rules. We confirm the precise figure for your purchase.
Where we help in Galicia
We arrange financing across the whole of Galicia, including Santiago de Compostela and these popular areas:
Non-residents can typically borrow up to 60–70% of the property value, with terms up to 25 years depending on age and profile.
Once your documents are submitted in full, we work with the bank to deliver a written pre-approval within 14 days. That is a strong card when negotiating in Galicia.
We approach 15+ Spanish lenders on your behalf and present the best options for your profile. 100% independent advice.
Common questions
Province by province
We arrange non-resident financing in every province of Galicia:
A Coruña · Santiago de Compostela · Ferrol
From Santiago de Compostela’s cathedral square to the wild Costa da Morte, A Coruña captures Galicia’s Atlantic soul.
Vigo · Sanxenxo · Baiona
The Rías Baixas, Galicia’s sheltered fjord-like inlets, give Pontevedra Spain’s finest seafood coast and the popular resort of Sanxenxo.
Lugo centre · Ribadeo · Viveiro
Lugo offers the Roman-walled capital, the beach of the Cathedrals near Ribadeo, and the vineyard canyons of the Ribeira Sacra.
Ourense centre · Ribadavia · Allariz
Inland Galicia’s thermal-springs capital, Ourense is surrounded by the terraced vineyards of the Ribeiro and the Ribeira Sacra gorges.
Nearby & further afield
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