English knowledge hub

Spanish mortgage guides, without the missing context.

Practical answers for international buyers: how lenders assess the case, how much cash a purchase may require and what to compare before signing.

Use these resources to prepare informed questions for your lender, lawyer and tax adviser. Each guide separates general orientation from decisions that require the facts and current rules of your transaction.

Buying from abroad

Start here if your main residence or income is outside Spain.

Your country of residence

Lenders look at where you live, your currency and your tax situation. These guides cover the questions buyers from each country ask most.

Paperwork, money and tax

The steps that sit around the mortgage: identification, bank account, signing from abroad, moving funds and the taxes that follow the purchase.

Where you plan to buy

Prices, purchase tax and lender appetite change from one coast to another. Each guide works through the numbers for its area.

Plan the numbers

Use an estimate to test the transaction before signing a reservation or deposit agreement.

Improve an existing loan

Compare rate, payment, fees, linked products and total remaining cost.

Costa Daurada

Local purchase support from our registered office in Salou.

Still not sure where to start?

Bring us the purchase you have in mind.

Tell us your country of residence, income and target property. We will review the case in English and explain the realistic next steps.