Making
Spanish
Mortgages
Simple

Expert mortgage guidance for international buyers. From first enquiry to receiving your keys, we make buying property in Spain feel like coming home.

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20+
Lender Partners
30+
Countries Served
4.9★
Client Rating
100%
Independent Advice
Happy couple holding keys on a sunlit Mediterranean terrace overlooking the Spanish coast

Why The Spanish Nest?

Your Trusted Guide to Spanish Property Finance

Buying property abroad shouldn't feel overwhelming. At The Spanish Nest, we specialise in helping non-residents navigate the Spanish mortgage landscape with confidence. Our multilingual team connects you with the right lenders, handles the complexity, and keeps you informed every step of the way.

Multilingual Team
Access 20+ Lenders
48-hour turnaround
Money-Back Guarantee
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Our Services

Expert Solutions for Every Property Goal

Whether you're a first-time international buyer or expanding your portfolio, we have the expertise and lender relationships to make it happen.

Purchase Mortgages

From apartments to villas — we secure competitive financing for non-resident property purchases across all of Spain. Up to 70% LTV available.

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Refinancing

Already own property in Spain? We can help you refinance to better rates, release equity, or restructure your existing mortgage.

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Construction Finance

Building your dream home? We arrange staged construction finance, guiding you through the unique requirements of Spanish build projects.

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How It Works

Three Steps to Your Spanish Home

We've simplified the mortgage journey into a clear, stress-free process. No jargon, no surprises — just expert guidance from start to keys.

1

Free Consultation

Tell us about your plans. We'll assess your situation, explain your options, and give you a clear picture of what's possible — all with no obligation.

2

We Find Your Best Deal

We approach 20+ lenders on your behalf, negotiate preferential rates, and present you with the best mortgage options tailored to your profile.

3

Keys to Your Nest

We handle the paperwork, coordinate with your notary and solicitor, and guide you right through to completion day. Welcome home.

Client Stories

Trusted by International Buyers

Hear from homeowners who found their nest in Spain with our help.

★★★★★

"The Spanish Nest made what seemed like an impossible process feel completely manageable. As a first-time buyer in Spain from the UK, I had no idea where to start. They guided us through every step and secured a rate better than anything we found ourselves."

James & Hannah R.
🇬🇧 United Kingdom
★★★★★

"Professional, transparent, and incredibly responsive. We were buying a villa in Mallorca from the US and the team handled the entire mortgage process remotely. We couldn't have done it without them — truly outstanding service."

Michael L.
🇺🇸 United States
★★★★★

"Unser Berater sprach Deutsch und Englisch perfekt. Der gesamte Prozess war einfach und stressfrei. Wir haben unser Traumhaus in Marbella gefunden und die Hypothek war in weniger als 6 Wochen abgeschlossen. Sehr empfehlenswert!"

Klaus & Petra W.
🇩🇪 Germany
★★★★★

"I contacted several brokers before finding The Spanish Nest. They were the only ones who took time to explain the tax implications and helped me structure the mortgage to reduce my wealth tax liability. Incredibly knowledgeable team."

Sophie A.
🇫🇷 France
★★★★★

"Based in Dubai, I was worried about getting a mortgage in Spain remotely. The team handled everything seamlessly — from initial consultation to sitting with me at the notary. Absolute professionals who go above and beyond."

Ahmed M.
🇦🇪 UAE

Common Questions

Spanish Mortgage FAQs

Everything international buyers need to know about getting a mortgage in Spain.

Yes! Spain is one of the most accessible European markets for international property buyers. Non-residents from most nationalities can secure a mortgage to purchase property in Spain. Lenders typically offer up to 60-70% of the property value (loan-to-value) for non-residents, with terms up to 25 years depending on your age and profile. Our team works with 20+ Spanish lenders to find the best terms for your specific situation.
As a general guide, non-residents should plan for a deposit of 30-40% of the property value. On top of this, you should budget approximately 10-13% for purchase costs including transfer tax (ITP), notary fees, land registry, and legal fees. So for a €300,000 property, you'd need approximately €90,000-€120,000 as deposit plus €30,000-€39,000 for costs. We'll give you a precise breakdown during your free consultation.
Typically you'll need: a valid passport, NIE number (we can help you obtain this), proof of income (employment contract, recent payslips, or business accounts for self-employed), bank statements for the last 6-12 months, your latest tax return, and a credit report from your home country. We prepare all documentation for submission and ensure it's presented correctly to maximise your chances of approval.
Both options are available. Variable rates are linked to the Euribor (Euro Interbank Offered Rate) and typically start lower but can fluctuate. Fixed rates offer payment certainty for the entire term. Some lenders also offer hybrid (mixed) mortgages — fixed for an initial period then switching to variable. We'll explain the pros and cons of each option based on your financial goals and risk appetite.
Yes, this is one of the key advantages of financing a Spanish property purchase. A mortgage is considered a debt and reduces your net worth for Wealth Tax (Impuesto sobre el Patrimonio) and Inheritance Tax purposes. Depending on the region and property value, this can result in significant annual savings. We work alongside tax advisors to ensure your mortgage structure is optimised from a fiscal perspective.
From initial application to mortgage offer, the process typically takes 4-8 weeks, depending on the lender and complexity of your financial profile. We can provide a written pre-approval within 48 hours of receiving your documentation, which strengthens your position when making an offer on a property. Our established relationships with lenders help expedite the process.

Find your nest in Spain

Ready to Get Started?

Book a free, no-obligation consultation with our mortgage experts. We'll assess your situation and show you exactly what's possible.

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Get In Touch

Let's Talk About Your Spanish Property Plans

Whether you're just starting to dream or you've found your perfect property, we're here to help. Reach out in whichever way suits you best.

Office

Palma de Mallorca, Spain

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Two property professionals collaborating on plans in a sun-drenched Spanish villa
For Professionals & Partners

Partner with The Spanish Nest

Are you an estate agent, lawyer, or property professional operating in Spain? Join our network to provide your buyers with seamless financing. Benefit from fast pre-approvals, dedicated support, and earn 20% commission on successful referrals.