Cross-border case review
We assess income earned abroad, tax residence, currency exposure, existing credit and the cash available for deposit, taxes and completion costs.
Mortgage broker for non-residents · Spain
Non-resident mortgages in Spain, prepared from abroad.
Spanish lenders typically finance 60–70% of the property value for a non-resident, against 80% for a resident. As an English-speaking mortgage broker registered with the Bank of Spain (E760), we prepare your case from abroad and compare lenders before you commit. We only charge if we get your mortgage.
No initial assessment fee · Remote support · Bank of Spain register E760
Straight answer
What you need to know
Yes, a non-resident can get a mortgage in Spain. Lenders typically finance 60–70% of the lower of purchase price and valuation, so plan on a 30–40% deposit plus purchase taxes and costs from your own funds. Your country of residence, income currency, tax returns, existing debts and intended use of the property all matter. RCG Finance reviews those variables and prepares the application in English before approaching suitable Spanish lenders.
- 60–70%
- Typical loan-to-value for a non-resident, on the lower of price and valuation (80% for residents).
- 30–40%
- Deposit from your own funds, plus purchase taxes and costs on top.
- 30–35%
- Share of your net income the monthly payment should not exceed.
- 6–10 weeks
- Usual time from a complete file to signing at the notary.
Last reviewed: · Rafael, founder of RCG Finance and former debt and M&A advisor at KPMG and PwC · mortgage intermediary registered with the Bank of Spain (E760).
How we help
A clearer route to a Spanish mortgage.
We prepare one coherent case, compare viable lenders and explain conditions in plain English before you make a decision.
Documentation plan
You receive a practical list of the evidence likely to be requested and an early warning when translation, certification or extra context may be necessary.
Comparable lender options
We compare viable proposals using the same purchase scenario, including rate, fees, insurance, linked products and total repayment.
Your case
The lender needs to understand income it does not see every day.
A strong salary does not automatically produce a strong Spanish mortgage application. The bank must understand how stable the income is, how it is taxed, which currency it is paid in and what obligations already exist in your home country. Clear evidence can prevent avoidable delays.
Loan-to-value limits for non-residents are often more conservative than for residents, so the cash requirement extends beyond the deposit. Purchase taxes depend on the region: Catalonia, the Valencian Community, Andalusia, the Region of Murcia and the Balearic Islands each apply their own rates. Use our purchase cost calculator for those five regions for an initial scenario.
For US-based buyers, lenders may request tax returns, credit information and detailed proof of assets. For UK and EU buyers, the exact evidence still varies by lender and employment structure. We confirm the case-specific list before submission.
One point of contact
The mortgage is ours. The rest of the purchase is coordinated.
Buying from abroad involves more than the loan. We manage the mortgage and coordinate the legal and currency steps with trusted partners, so you have one point of contact and one timeline.
Legal sideA partner lawyer handles your NIE, the power of attorney if you cannot travel, the Spanish bank account and the review of the reservation and purchase contracts.
Currency and transferA currency exchange partner converts and sends your funds, which can often cost less than a standard bank transfer (you always see the rate before confirming), and provides the proof of funds the lender asks for.
One timelineMortgage offer, legal checks, currency transfer and signing date are planned together, aiming to have the funds and the loan ready on the day of completion.
RCG Finance is a mortgage intermediary registered with the Bank of Spain (no. E760) and does not provide legal, tax or payment services. Legal advice is provided by the lawyer and payment services by the currency provider, each under their own terms; we coordinate, we do not replace them.
Continue your research
Useful next steps
Moving money to SpainExchange rates, transfer confirmations and the origin-of-funds evidence lenders and notaries ask for.→Taxes after you buyImputed income, form 210, IBI and what changes when you rent or sell.→Free mortgage checklistDownload the bilingual PDF for documents, funds and timing before reserving a property.→Non-resident buyer’s guideLoan-to-value, documents, NIE, currency and timeline, explained step by step.→Mortgage calculatorMonthly payment, a 70% loan, cash needed and the income lenders look for.→Purchase costs by regionDeposit, transfer tax or VAT and total cash for Catalonia, Valencia, Andalusia, Murcia and the Balearics.→Guides by countryUK, US, Swiss, Nordic, French, German, Dutch and Belgian buyers: what changes for each.→
Frequently asked questions
Before you apply
How much can a non-resident borrow in Spain?
Typically 60–70% of the lower of purchase price and valuation, against 80% for a resident. Buyers from the EU or EEA more often reach 70%; outside the EU many lenders stop at 60% and some at 50%. The final figure depends on the lender, your income, its currency and the property, so model the purchase with the conservative figure.
How much deposit do I need for a Spanish mortgage as a non-resident?
Usually 30–40% of the price, plus purchase taxes and costs, which are paid from your own funds. On a €300,000 resale property in Catalonia that means roughly €124,500–€154,500 in cash, against about €94,500 for a resident buying a main home.
What does a mortgage broker for non-residents do?
We review your income, tax residence, currency and available cash, prepare one application in English and take it to the Spanish lenders that genuinely finance non-residents. You compare offers on the same scenario, including rate, fees and linked products. We are registered with the Bank of Spain (E760) and only charge if we get your mortgage.
Can a US citizen get a mortgage in Spain?
Yes, subject to lender approval. US tax returns, income evidence, credit information and asset statements may be required. We help present that evidence in a format Spanish lenders can assess.
Can a UK citizen still get a mortgage in Spain after Brexit?
Yes. UK residence does not prevent a Spanish mortgage, but the application is treated as non-resident and lender criteria can differ. Currency risk and the documentary trail are important.
Do I need an NIE before applying?
You can start the feasibility review before obtaining an NIE, but the identification number is normally required to complete the purchase and mortgage. Start the process early because timing can vary.
Can the whole process be completed remotely?
The assessment, document preparation and much of the lender process can be handled remotely. Signing and powers of attorney depend on the transaction and the professionals involved, so these should be planned case by case.
Do you only work on the Costa Daurada?
No. Our office is in Salou, but we arrange mortgages for non-resident purchases along the Mediterranean coast, from the Costa Brava and Barcelona to Valencia, the Costa Blanca and the Costa del Sol. Outside Salou we work remotely and plan the signing with you.
Who we are
RCG Finance, in one paragraph.
RCG Finance is the trading name of RCG 2026 S.L., a mortgage broker registered with the Bank of Spain as a real-estate credit intermediary (no. E760) and based in Salou, Tarragona. We prepare mortgage applications in English and Spanish for buyers anywhere in Spain, compare lenders and negotiate on your behalf. We do not lend, we are not tied to any bank or exclusive to any, and we only charge if we get your mortgage.
Guides and service pages are reviewed by Rafael, founder of RCG Finance (former debt and M&A advisor at KPMG and PwC).
RCG Finance (rcgfinance.es) is a Spanish mortgage broker and has no connection with other companies that use the RCG initials.
Your mortgage, properly prepared
Start with the numbers, not with a bank.
Tell us where you live, what you plan to buy and how much cash you can contribute. We will review the case and explain the realistic next steps.