Home About Services Blog Calculator Get a Quote
🏠 Free Calculator

Find Out How Much
You Can Borrow

Get an instant mortgage estimate based on your income and available funds. No credit check — just answer three quick questions.

✓ Instant result
✓ No credit check
✓ Based on Spanish lending criteria
✓ Free & no obligation
🧮

Your Mortgage Calculator

1
What is your net monthly household income? Combined take-home pay for all applicants after tax and social security. Include salary, rental income, or any regular income.
€
Please enter your monthly household income.
2
How much do you pay monthly on existing fixed debts? Include: loan repayments, car finance, credit card minimums, existing mortgage. Do not include food, utilities, subscriptions, or everyday expenses. Enter 0 if none.
€
Please enter your monthly debt commitments (enter 0 if none).
3
Over how many years would you like to repay? Spanish lenders typically offer terms of 15–30 years. A longer term means lower monthly payments but more interest overall.
4
How much do you have available for the purchase? Total savings and investments you can put towards the property. In Spain, buyers typically need approximately 40% of the purchase price to cover the down payment, taxes, notary fees, and other purchase costs — so this figure directly determines the maximum property value you can target.
€
Please enter your available savings (enter 0 if unsure).
💬

Let's Talk Through Your Options

Based on the figures entered, your existing debt commitments leave limited room for a new mortgage payment under standard Spanish lending criteria. This doesn't mean a mortgage is out of reach — there may be options available to you.

Our specialists can review your full financial picture and explore what's possible for you.


Speak to an Advisor — Free & No Obligation →

← Try different figures
🎉

Congratulations!

Here is your personalised mortgage estimate based on your income and available funds.

Max Property Value
€0
Max Mortgage Amount
€0
Monthly repayment: €0
Income & Debt
Net household income €0 / month
Maximum debt-to-income (40%) €0 / month
Existing debt commitments €0 / month
Available for mortgage repayment €0 / month
Available Funds
Savings & investments €0
Max purchase price (savings ÷ 40%) €0
Mortgage supported by funds (70% LTV) €0
Mortgage Terms
Interest rate 3.5% APR (fixed illustration)
Repayment term 20 years
Important: This estimate is for illustrative purposes only. The maximum mortgage is the lower of: (a) what your income supports at a 40% debt-to-income ratio at 3.5% APR, and (b) 70% of the purchase price your savings support (assuming ~30% down payment plus ~10% in taxes, notary and registry fees). It does not constitute a mortgage offer, financial advice, or a guarantee of lending. Actual amounts are subject to lender criteria, full income and expenditure assessment, credit history, property valuation, and applicable Spanish banking regulations. Finance Consulting Group is an independent mortgage broker.

Ready to Turn This Into a Real Pre-Approval?

Leave your details and we'll prepare a free personalised mortgage study — at no cost and with no obligation.

By submitting you agree to be contacted by Finance Consulting Group. Your data is handled in accordance with our Privacy Policy. No spam, ever.

✅

We've Got Your Details!

Thank you. One of our mortgage specialists will be in touch within one business day to begin your free mortgage study and pre-approval.

← Recalculate with different figures

What Happens After Your Estimate?

The calculator gives you a starting point. Here's how we turn it into a real mortgage offer.

📋

Free Mortgage Study

We review your full financial profile and identify the best lenders for your situation.

🏦

Bank Approach

We approach multiple Spanish banks on your behalf and negotiate the best possible rate and terms.

✅

Pre-Approval Letter

You receive a mortgage pre-approval — giving you confidence and credibility when making an offer on a property.

🔑

Completion

We guide you through the full process through to signing at the notary and getting your keys.