Read more in this article.
Mortgage in Spain
Price of the service
€1000
We provide services in Spain for obtaining mortgages: we carry out the selection of real estate and complete preparation of documents for mortgage registration.
100% of approvals of banks during preliminary verification of documents by Alegria specialists.
SPANISH MORTGAGE WITHOUT FAIL
If you plan to buy a property in Spain with a mortgage, then when you buy a property in our company you will receive full assistance in processing the mortgage loan.
Due to legislative changes in the field of mortgage loans, since May 2019, obtaining a mortgage in Spain by non-residents has become more difficult. First of all, toughened requirements for borrowers’ documents certifying the origin of funds for the purchase of real estate. This is due to the settlement of EU legislation on money laundering.
In this regard, cases of refusal to issue mortgages in Spain to non-residents have become much more frequent. Success in obtaining a mortgage largely depends on the loyalty of the bank and the partnership between the agent and the banking organization.
For 11 years our company has been working in close cooperation with major Spanish banks – our partners, which allows us to successfully arrange mortgages in Spain for our clients, excluding the risk of rejection.
MORTGAGE REGISTRATION IN SPAIN FOR ALEGRIA CLIENTS
The procedure for obtaining a mortgage in Spain, on average, takes 2-3 months. We will help to collect documents and check the correctness of their preparation, make notarized translations into Spanish, help with opening an account and receiving the NIE.
SERVICE FEE €1000.
100% of approvals of banks during preliminary verification of documents by Alegria specialists.
STAGES OF MORTGAGE REGISTRATION IN SPAIN
- Preparing documents to apply for a mortgage in Spain
- Carry out sworn translations through a notarized translator
- Conducting a preliminary assessment of documents with representatives of the Bank for the approval of mortgages in Spain
- We send a package of documents and negotiate with the bank in the process of registration of the mortgage.
- Conducting a purchase and sale transaction
- Help in reissuing utility contracts
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FAQ
I want to buy an apartment in Spain with a mortgage. Where do I start?
Mortgage in Spain for British citizens): what documents are required for processing
What features of mortgages in Spain you need to know when buying a home
Is it possible to obtain a mortgage in Spain for non-residents?
How to buy a house in Spain with mortgage
In which banks in Spain it is possible to obtain a mortgage
Does Spain give a mortgage to pensioners?
The process of registration of the transaction on acquisition of mortgage real estate will take about 2-3 months. Time to consider applications for a mortgage loan - up to one and a half months. Previously, the application was processed within three weeks.
Basic questions about mortgages:
- The term of credit from 5 to 25 years
- Mortgage value: 50-68%
- Loan Rate 2.5-4.5%
On what mortgage conditions depend:
- Work experience
- Official income
- Age
When buying a property in Spain with a mortgage, of course, you need to collect the necessary documents. If you are a non-resident of Spain, then this article will be useful to you: in it we have considered the features of registration of mortgage in Spain for non-residents.
After the period of high interest rates in 2023, the Spanish mortgage market in 2025 shows stabilization and moderate easing of conditions.
Thanks to the decline in the 12-month Euribor and growing competition among banks, buyers now receive more predictable offers, while the consumer protection standards of Law 5/2019 continue to ensure transparency throughout the process.
Average rate and term. According to INE data for October 2024 (published in February 2025), the average mortgage rate for residential property was 3.12%, with an average term of 25 years.
62.6% of loans were issued at fixed rates and 37.4% at variable rates; initial rates: 2.83% (variable) and 3.32% (fixed).
Bank strategies. In 2025, banks offer both fixed-rate products (best levels around 2.15% TIN) and mixed mortgages, while variable products follow the 12M Euribor (~2.2%).
Specific conditions depend on the client’s profile, LTV, and associated insurance or salary packages.
Changes in the banking sector. Bankia was merged with CaixaBank (2021), and Liberbank joined Unicaja Banco.
Current market leaders include CaixaBank, Sabadell, BBVA, Abanca, Bankinter, Openbank, Unicaja, ING, among others.
Read more in this article.
The procedure for obtaining a mortgage in Spain is the same for all types of real estate.
All major banks in Spain provide mortgage services, but all of them offer different conditions, which may be more or less beneficial to the buyer depending on his legal status (resident/non-resident of Spain), citizenship, age, financial possibilities, chosen property, etc. In any case, to formalize a mortgage in Spain, you need to contact an experienced specialist who will find a mortgage loan for you on the most favorable terms, will help you properly draw up and submit a package of documents, in this case, the probability of approval of the mortgage at the level of the bank will approach 100%.
In general, in Spain, age is not a determining factor in the decision to grant a mortgage, however, there are certain age limits. Most banks set this limit at 75 years. That is, if you are 50 and want to take out a mortgage, the maximum loan term is 25 years. At 60, you can count on a mortgage for no more than 15 years and so on.
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120 specialists of the company "Alegria" speak Russian, Ukrainian, English, Spanish, German, French and other languages. We fully cover the needs of foreign clients in the selection and purchase of real estate on the Costa Blanca, solving domestic, legal and immigration issues.
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When buying new buildings Alegria, we offer free warranty service and maintenance of the object in case of any domestic issues. Our company has a special unit - the elimination of problems is carried out by Alegria staff experts, not through a service provider.
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