Getting a Spanish mortgage

Getting a Spanish mortgage

We work with experienced partners when it comes to finding you the right mortgage to suite your personal needs and circumstances.

Frequently Asked Questions

What is the current interest rate?

The interest rate in Spain is based on the Eurobor. The Euribor rates are based on the average interest rates at which a large panel of European banks borrows funds from another and as such these rates are considered to be the most important reference rates in the European money market.

Banks will add a margin between 1 – 1,5% tot the Euribor depending on the type of mortgage and the circumstances of the applicant. For the latest Euribor please check the Bank of Spain.

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Getting a Spanish Mortgage

Which documents do I need?  

-I.D.

-P60

-Salary slips of the last three months

-Bank statements of the last three months

-Bank reference*

-Employer reference*

Additional documents needed for independent business owners:

-Tax return

-Earnings and loss statements

-Business bank statements of the last three months

-Business bank reference*

-Accountants reference*

*Needed for 80% financing.