What's available in 2026
Non-residents can borrow 60–70% LTV from Spanish banks. EU/EEA citizens get the better terms. UK citizens get parity with EU on most products since 2024.
Typical rates (mid-2026)
Fixed 25 years: 3.4–4.2% depending on bank, profile and product bundling. Mixed (5–10 yr fixed then variable): 3.1–3.8%. Pure variable (Euribor + spread): Euribor (~2.5%) + 0.85–1.4%.
The most active non-resident lenders
- Sabadell — the most foreigner-friendly desk
- CaixaBank (HolaBank) — strong international division
- BBVA
- Bankinter
- TargoBank (German-speaking team)
- Santander
Personal help
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Start matchingWhat banks require
- Last 2 years of tax returns
- Last 6 months of payslips/business income
- 6 months of bank statements
- Existing debt declaration
- Property valuation (the bank's appointed valuer)
- Life insurance (often required)
- Home insurance with the lender
Total ratios
Most banks cap total monthly debt at 35% of net income.
Process timeline
6–9 weeks from application to signing. Faster if you bank with a global name like HSBC that has a Spanish counterpart.
Tip
Approach two banks in parallel. The spread between best and worst offer for the same buyer can be 0.6 percentage points.
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