Guides for buying in Spain.
Clear guidance on Spanish mortgages for international buyers: deposits, documents, rates, taxes and timelines, explained in plain English by our team in Palma de Mallorca.
Clear guidance on Spanish mortgages for international buyers: deposits, documents, rates, taxes and timelines, explained in plain English by our team in Palma de Mallorca.
Yes, and it's easier than most buyers expect. Loan-to-value limits, eligibility, documents and timelines for non-resident buyers, explained step by step.
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From the 30–40% deposit to transfer tax, notary and registry fees: a full breakdown of what a Spanish purchase really costs, with a worked example.
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You cannot buy in Spain without an NIE number. What it is, how to get one, and the full document checklist lenders expect from international buyers.
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Fixed, variable or mixed? How each rate type works, how Euribor shapes variable repayments, and how to decide which structure suits your plans in Spain.
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Spanish Wealth Tax is calculated on your net assets, and a mortgage reduces them. Why financing a purchase can play a role in sensible tax planning.
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From first consultation to signing at the notary: every stage of the process mapped out, with realistic timings for buyers abroad.
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Book a free, no-obligation call with our expert team. We'll assess your situation and show you exactly what's possible.
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