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🏡 Spain Mortgage & Purchase Planner

Show Clients the Monthly Mortgage
and the Real Upfront Costs

This version combines both sides of the story: mortgage repayments and transaction costs. Clients can see their estimated monthly repayments, total repayment, total interest and the likely cash needed to complete a purchase in Spain.

✓ Fixed, variable and mixed scenarios
✓ Latest official Euribor reference with fallback
✓ Separate repayment and transaction summaries
✓ Province-based Spanish tax defaults
🧮

Spain Property & Mortgage Cost Calculator

📌 Property purchase details Upfront costs and completion cash
The agreed purchase price shown in the reservation contract or deed.
€
Please enter the property price.
The amount the client expects to borrow from the bank.
€
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 repayment settings Fixed, variable and mixed mortgage logic
Latest official 12-month Euribor reference Loading the latest official monthly Euribor average for variable-rate estimates…
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 refinements Useful for bespoke or reduced-rate cases
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 Spain mortgage and purchase estimate

The result below shows both parts of the story: what the client may pay month by month to the bank, and what they may need in upfront cash to complete the purchase.

Initial Monthly Payment
€0
Based on the selected mortgage structure.
Total Interest
€0
Estimated over the full term using the current rate assumptions.
Buyer Costs
€0
Purchase costs plus buyer-side mortgage setup costs.
Cash Needed to Complete
€0
Deposit / own funds plus buyer-side completion 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
Buyer lawyer / adviser€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

Notes for the client

Autonomous community—
Property type—
Default tax basis used—
Euribor source used—
Custom tax overrideNo
Legal fee includedNo
Client-facing rule of thumb—
Tax default: —
Mortgage: —
LTV: 0%
Euribor: —
Important: This is an estimate for planning and marketing use. It is not tax advice, not regulated mortgage advice, not a binding mortgage offer, and not a substitute for a lawyer, tax adviser or lender term sheet. Variable and mixed mortgage totals assume the later variable rate is based on the current Euribor reference shown above and that this reference does not change. In practice, variable repayments can go up or down at each review date.

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.