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🏡 Spain Mortgage & Cost Calculator

Estimate the Monthly Mortgage
and Upfront Costs

Get a quick estimate of monthly repayments, total interest and the cash needed to buy in Spain.

✓ Fixed, variable and mixed
✓ Live Euribor reference
✓ Monthly payments and costs
🧮

Spain Mortgage & Purchase Cost Calculator

📌 Purchase details
The agreed purchase price shown in the reservation contract or deed.
€
Please enter the property price.
€
Please enter a valid mortgage amount.
Enter the full mortgage term in years.
years
Please enter the mortgage term.
New builds generally use VAT + AJD. Resale purchases generally use ITP.
The calculator uses the province to determine the autonomous community and standard resale tax rate.
Please choose a province.
Usually 0% nowadays, but you can enter one if a lender charges it.
%
Typical range is around €250 to €600. The default here is €400.
€
📈 Mortgage details
12-month Euribor Loading latest reference…
Reference: --
Period: --
Choose fixed, variable, or a mixed mortgage with an initial fixed period.
The fixed annual rate used for a fixed or introductory fixed period.
%
This field auto-fills from the latest official monthly reference when available. You can override it manually if needed.
%
⚙️ Optional items
By default, the calculator uses standard general-rate assumptions and a client-friendly repayment estimate.
The repayment side uses standard French amortisation. For variable and mixed mortgages, the later repayments are estimated using the latest official 12-month Euribor reference currently loaded plus the bank margin you enter. The variable side is therefore an illustration, not a binding bank quote.

Your estimate

Estimated monthly payments and purchase costs.

Initial Monthly Payment
€0
Selected mortgage scenario.
Total Interest
€0
Estimated over the full term.
Buyer Costs
€0
Purchase and setup costs.
Cash Needed to Complete
€0
Deposit plus buyer costs.

Mortgage repayments

Mortgage type—
Mortgage term—
Initial fixed rate—
Current variable rate basis—
Initial monthly repayment€0
Estimated later monthly repayment—
Total repaid to the bank€0
Total interest over the term€0

Purchase costs

Purchase tax applied—
Purchase tax amount€0
Purchase notary€0
Land Registry€0
Gestoría / admin€0
Legal fee€0
Total purchase costs€0

Mortgage setup & completion

Mortgage amount€0
Loan-to-value (LTV)0%
Valuation€0
Opening fee€0
Deposit / own funds€0
Total buyer-side mortgage setup costs€0
Total cash needed to complete€0

Property summary

Autonomous community—
Property type—
Tax basis—
Euribor used—
Custom tax overrideNo
Legal fee includedNo
Costs vs. purchase price—
Tax default: —
Mortgage: —
LTV: 0%
Euribor: —
Important: Estimate only. Variable and mixed payments can change when rates are reviewed.

Want a tailored breakdown for your client?

Use this estimate as the first conversation, then route the client to Finance Consulting Group for a real lender-based review, pre-approval strategy and cleaner budgeting.

Request a Tailored Review →

How this upgraded calculator works

It gives clients a much clearer picture than a basic mortgage widget: what they may pay the bank every month and what they may need in cash to complete in Spain.

1️⃣

Enter the purchase details

Price, loan amount, province, property type and buyer-side setup costs.

2️⃣

Choose the mortgage structure

Run fixed, variable or mixed scenarios using term, rates and the current Euribor reference.

3️⃣

See repayments and total interest

The result shows monthly repayments, total repayment and total interest over the term.

4️⃣

Show the upfront money needed

Taxes, notary, registry, valuation, any opening fee, plus the deposit or own funds required.