Maximum Mortgage Spain

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Maximum mortgage Spain

Requirements maximum mortgage

To qualify for a maximum mortgage in Spain you must meet certain requirements of the Spanish banks.

There are three main conditions:

1. Maximum mortgage Spain 60-70%

Generally banks finance 60% to a maximum of 70% of the purchase price or of the appraised value of the property (the lowest value prevails). When buying a home you need also to take into account the purchase costs and mortgage costs.

When buying a so-called finca or rural property the maximum mortgage in Spain will be limited to 60%. The rest has to be financed with your own resources. This can be accomplished by increasing your mortgage in your home country or with personal savings. We are happy to think of solutions with you, please contact us.

2. Sufficient demonstrable income

To get a maximum loan in Spain you should always be able to prove income. This may be income from permanent employment or income from self- employment, rental income or property income. In any case, it should be demonstrated. A self-employed applicant must be able to show figures from the last two years. Read more here.

Secondly, the banks apply income criteria to determine the maximum loan in Spain. Each bank uses a different calculation method but generally you could apply the following formula: you are allowed to spend 35% of your net annual income on total credit or rental charges.

3. General situation

In addition to the income criteria, Spanish banks assess a mortgage on the family composition, whether you rent your home or have your own property, number and age of children, type of work, income type and sector, etc.

We can assess your situation, and decide whether it makes sense to start applying for a mortgage with the bank. Also we can calculate your maximum loan in Spain with the corresponding conditions. Please contact us.

Buying a house in Spain?

Professional guidance is very important when you do not speak Spanish.


Is it interesting to modify your current mortgage in Spain to a lower interest rate?

Build your own property in Spain

With a construction mortgage you can finance the construction of your own house in Spain.

Do you have any questions?

We care!

Please contact our specialists at +34 952 263 023 or send us an email.
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WeCare mortgages

The 8 guarantees of WeCare Mortgages

  • Our advisors are multi-lingual, we speak fluent Spanish, English, German and Dutch
  • A team that thinks along with you ánd communicates in your own language
  • A specially developed Mortgage Quick Scan: within 48 hours insight into your mortgage possibilities in Spain
  • You have a solid, familiar contact from application to completion of the mortgage
  • Reliable mortgage advice: no surprises – clear steps
  • Insurances: contracting any type of insurance and assistance with claims
  • Transparency: fixed fees for our dedicated service
  • Strong partners: access to our national professional network in the sectors

Are you unsure between fixed or variable interest rates for your mortgage in Spain?




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