Every question, answered honestly

Yes. Spanish banks routinely lend to non-residents — typically 60–70% of the property value over up to 25 years, provided your income comfortably supports the payments.

Non-residents: at least 30% of the price, plus 10–14% for taxes and fees — around 40–45% in total savings. Residents can often buy with 20% down.

Yes. UK buyers are treated as non-EU non-residents — which mainly affects paperwork, not eligibility.

Yes, though fewer banks accept US applicants due to compliance requirements. We work with the ones that do.

Typically 4–8 weeks from full application to completion: 2–3 weeks approval, then valuation, a legal 10-day reflection period, and the notary.

See the rates page for this month's check — fixed, variable and mixed options explained, updated monthly.

Passport, NIE, income proof (payslips or accounts), two years of tax returns, six months of bank statements, a home-country credit report, and details of existing debts.

Your Spanish foreigner identification number — required to buy property, open a bank account and take a mortgage. It takes 1–4 weeks to get; we'll show you how.

No application cap — banks want the loan repaid by around 70–75, which sets your maximum term.

Yes — pensions count as income. See the retirement guide for how terms and structures work.

Yes, with 2–3 years of accounts. Presentation matters more than most people think — see the self-employed guide.

No — approval runs on your current income and debts. Rent is upside, not approval fuel.

Plan 10–14% on top of the price: regional purchase tax, notary, registry, valuation and legal fees. Full worked example on the costs page.

Since 2019, mostly the bank. You pay the valuation (~€300–600) and any negotiated opening fee.

Yes — payments run through one. It takes an afternoon to open; we'll tell you when and where.

Strongly yes — an independent one, not the seller's. The cheapest insurance in the transaction.

Yes — with power of attorney, your lawyer signs for you. Many clients complete entirely remotely.

Our assessment involves no credit check. A full bank application may request a home-country report — we tell you exactly when.

Usually yes, with the bank informed. Short-term tourist letting needs a regional licence — rules vary widely; check before buying.

Yes — the assessment costs nothing and commits you to nothing. You get an honest answer and then you decide.

No — one advisor, one reply. The optional guides list is separate, and you can leave it anytime.

Complicated is our specialty. Send it over — the honest answer is free.