Spanish Mortgage Calculator for Expats & Non-Residents

Calculate Your Spanish Mortgage — In Under a Minute

Instant, honest numbers built on real Spanish lending rules — from the bespoke brokerage where your case is handled personally by Alberto or Mike.

No account. No email needed to see your results.

Registered with the Banco de España — reg. E621 Alberto Bertazzi

You always talk to Alberto or Mike Bespoke brokerage · Costa del Sol

About this Spanish mortgage calculator

What it calculates

Depending on your answers, this calculator works out either how much you could realistically borrow towards a Spanish property — and the maximum property price your finances support — or, if you already have a specific property in mind, the full picture for that purchase: the likely mortgage amount, monthly repayment, deposit, and the taxes and fees on top of the loan.

What assumptions it uses

Figures are calculated using an indicative 3.5% interest rate and the mortgage term you choose (25 years by default). If your income, savings or property price are in a currency other than euros, they're converted to EUR using live European Central Bank exchange rates at the time you use the calculator.

Resident versus non-resident LTV

The loan-to-value (LTV) a Spanish bank will typically offer depends on residency status. Non-resident buyers are usually offered up to around 70% of the property's price or valuation. Residents, particularly on a primary home, can sometimes access higher LTVs, up to around 80% in some cases.

How affordability is estimated

We take your net monthly income, apply a standard affordability rule of roughly 40% of that income minus your existing monthly debts, and use the result as the maximum monthly mortgage payment your case could support at the assumed rate and term. That capacity is then weighed against the 70% (or 80%) LTV limit above — whichever figure is lower usually sets the real number.

Why the result is not a bank approval

This is an indicative estimate only. It does not constitute a mortgage offer, a guarantee of lending, or financial advice. Spanish banks assess every case individually against full documentation, credit history, employment type and their own lending criteria at the time of application — so your actual offer from a specific lender may differ from this figure. For a personalised assessment, use the calculator above or speak with an adviser.