The rate landscape
12-month Euribor sits around 2.4% in mid-2026 after the ECB's 2024–2025 cuts. Spanish high-street banks are offering:
- Fixed 20-year: 3.10%–3.85% for residents, 3.65%–4.40% for non-residents
- Variable: Euribor + 0.85% to 1.50%
- Mixed: 5 years fixed at 2.95%, then variable
What LTV you will actually be offered
Non-residents from EU: up to 70% LTV. UK, US, Norway, Switzerland: typically 60%, occasionally 65%. Anything above usually requires a Spanish income source.
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Start matchingThe bank-by-bank reality
BBVA and Santander run the smoothest non-resident processes in English. Sabadell offers the sharpest rates if you bring documentation in perfect order. CaixaBank prefers high-net-worth clients via private banking.
The hidden costs
Bank valuation (€350–€600), opening commission (0.25–1%), arrangement fee, mandatory life insurance. Budget 1.5–2% of loan amount in setup costs. See Spanish mortgages for non-residents for the full process.
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