{"id":4673,"date":"2026-03-10T16:46:35","date_gmt":"2026-03-10T15:46:35","guid":{"rendered":"https:\/\/casaconnecta.com\/?page_id=4673"},"modified":"2026-04-14T19:33:34","modified_gmt":"2026-04-14T17:33:34","slug":"spanish-mortgage-non-residents","status":"publish","type":"page","link":"https:\/\/casaconnecta.com\/nl\/guides\/spanish-mortgage-non-residents\/","title":{"rendered":"hypotheek Spanje niet resident"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"4673\" class=\"elementor elementor-4673\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1eca8a5 e-flex e-con-boxed e-con e-parent\" data-id=\"1eca8a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bdfb480 e-con-full e-flex e-con e-child\" data-id=\"bdfb480\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-594c6b7 e-con-full e-flex e-con e-child\" data-id=\"594c6b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6816256 elementor-widget elementor-widget-heading\" data-id=\"6816256\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Spanish Mortgage for Non-Residents: A Complete Guide<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af630a3 elementor-widget elementor-widget-text-editor\" data-id=\"af630a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A practical guide to getting a mortgage in Spain as a non-resident \u2014 how it works, what banks look for, what you need and where things typically go wrong. Written specifically for non-resident buyers purchasing property in Spain.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f372973 e-flex e-con-boxed e-con e-parent\" data-id=\"f372973\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fbf7da elementor-widget elementor-widget-heading\" data-id=\"4fbf7da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ELIGIBILITY<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1279c3a elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1279c3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default translation-block\">Kunnen niet-residenten een hypotheek <br>krijgen in Spanje?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1c9af0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f1c9af0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes \u2014 many Spanish banks offer mortgages to non-resident buyers purchasing property in Spain. There are no legal restrictions preventing international buyers from obtaining Spanish mortgage financing.<\/p><p>However, the conditions applied to non-residents are significantly different from those applied to residents. Banks assess non-resident applications more conservatively, require more documentation and typically offer lower financing levels. The process is also more complex and takes longer than many buyers expect \u2014 typically 6\u201312 weeks from a complete documentation submission to a formal mortgage offer.<\/p><p>The Spanish mortgage market includes both Spanish high-street banks and some international lenders operating in Spain. Conditions, rates and documentation requirements vary between lenders \u2014 which is why comparing options matters. Your financial profile, employment type, nationality and the property&#8217;s location and valuation all influence which banks are likely to offer the best terms.<\/p><p>Understanding these differences before you start your property search \u2014 rather than after you have found a property \u2014 puts you in a significantly stronger position. Buyers who have done their mortgage homework before committing to a property can move faster, negotiate better and avoid the most common and costly mistakes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5740e19 e-flex e-con-boxed e-con e-parent\" data-id=\"5740e19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2445080 e-con-full e-flex e-con e-child\" data-id=\"2445080\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc21462 elementor-widget elementor-widget-heading\" data-id=\"bc21462\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FINANCING LEVELS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8adf382 elementor-widget elementor-widget-heading\" data-id=\"8adf382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much can non-residents borrow in Spain?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0ddb1b elementor-widget elementor-widget-text-editor\" data-id=\"a0ddb1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As a non-resident, Spanish banks typically offer financing of <strong>60\u201370% of the property value<\/strong> \u2014 based on the bank&#8217;s own official valuation (tasaci\u00f3n), which may differ from the purchase price.<\/p><p>This means you need to cover at least 30\u201340% of the purchase price from your own funds \u2014 plus the full acquisition costs on top (typically 10\u201314% in Catalonia). In practice, most non-resident buyers need to have approximately <strong>45\u201355% of the total investment available in liquid funds<\/strong> before applying for a mortgage.<\/p><p><strong>Example:<\/strong> On a property priced at \u20ac400,000 in the Costa Brava:<\/p><ul><li>Maximum mortgage (70%): \u20ac280,000<\/li><li>Minimum equity required: \u20ac120,000<\/li><li>Acquisition costs (approx. 11%): \u20ac44,000<\/li><li><strong>Total funds needed upfront: approx. \u20ac164,000<\/strong><\/li><\/ul><p>The exact financing level depends on several factors:<\/p><ul><li>Income level and stability<\/li><li>Employment type (employed, self-employed, retired)<\/li><li>Existing debts or financial obligations<\/li><li>Nationality and country of residence<\/li><li>The property&#8217;s official valuation<\/li><li>The bank&#8217;s internal assessment criteria<\/li><\/ul><p>Each bank applies slightly different criteria \u2014 which is why the result can vary significantly between lenders.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89cfa7f e-flex e-con-boxed e-con e-parent\" data-id=\"89cfa7f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f5b33bb e-con-full e-flex e-con e-child\" data-id=\"f5b33bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c1295b elementor-widget elementor-widget-heading\" data-id=\"6c1295b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">DOCUMENTATION<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55dabbe elementor-widget elementor-widget-heading\" data-id=\"55dabbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What documents do Spanish banks require?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a8d303 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6a8d303\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Spanish banks require a comprehensive documentation package before assessing a mortgage application. This is one of the areas where international buyers most often encounter problems \u2014 not because the requirements are unreasonable, but because they differ from what buyers are used to at home.<\/p><p><strong>Standard documentation for non-resident mortgage applications:<\/strong><\/p><ul><li>Passport (all pages) and NIE number<\/li><li>Last 3 months of payslips (employed buyers)<\/li><li>Last 2 years of tax returns (personal and\/or business)<\/li><li>Last 3\u20136 months of bank statements (all accounts)<\/li><li>Employment contract or proof of business registration<\/li><li>Proof of any other income (rental income, investments, pensions)<\/li><li>Details of existing mortgages, loans or financial obligations<\/li><li>Property details (nota simple from the Land Registry)<\/li><\/ul><p><strong>Self-employed and business owners<\/strong> typically need additional documentation: company accounts, business tax returns and sometimes a letter from an accountant confirming income stability.<\/p><p><strong>Important:<\/strong> Most documents need to be recent. Documents in languages other than Spanish often need to be officially translated, and some require an apostille stamp. Preparing this documentation properly, before submission, is one of the most important factors in a successful mortgage process.<\/p><div style=\"background:#FDF6F0; padding:24px 28px; border-radius:8px; border-left:4px solid #b5601a; margin-top:28px;\"><p style=\"margin:0 0 8px 0; font-weight:700; color:#080740;\">Not sure what documentation you need?<\/p><p style=\"margin:0;\"><a href=\"\/nl\/finance\/\" style=\"color:#b5601a; font-weight:700; text-decoration:none;\">See how Casa Connecta Finance works \u2192<\/a><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dbe4793 e-flex e-con-boxed e-con e-parent\" data-id=\"dbe4793\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9ced09 elementor-widget elementor-widget-heading\" data-id=\"d9ced09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">THE PROCESS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d39ebc elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9d39ebc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How the Spanish mortgage process works \u2014 step by step.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7225101 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7225101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Although each bank works slightly differently, the mortgage process in Spain follows a broadly consistent structure. Understanding this structure helps you know what to expect \u2014 and where to focus your preparation.<\/p><p><strong>Step 1 \u2014 Mortgage pre-assessment<\/strong><br>Before starting your property search, it is worth getting a general assessment of your borrowing capacity. This is not a formal application \u2014 it is an initial check based on your income, debts and financial profile. It gives you a realistic budget, prevents you from committing to a property you cannot finance and lets you enter negotiations with confidence.<\/p><p><strong>Step 2 \u2014 Documentation preparation<\/strong><br>Once you have a property in mind, the full documentation package is prepared and structured. This is the most time-consuming part of the process \u2014 and the one where having experienced support makes the biggest difference. An incomplete or poorly organised file is returned by the bank without assessment, adding weeks to the timeline.<\/p><p><strong>Step 3 \u2014 Bank assessment<\/strong><br>The bank reviews your documentation and assesses your financial profile. They may request additional documents, clarifications or certified translations. The assessment includes a review of your income, employment stability, existing debts and the property&#8217;s suitability as collateral. This stage typically takes 2\u20134 weeks.<\/p><p><strong>Step 4 \u2014 Property valuation (Tasaci\u00f3n)<\/strong><br>The bank commissions an official valuation of the property by a certified Spanish valuation company (tasadora). The mortgage is calculated based on this valuation \u2014 not the purchase price. If the valuation comes in lower than the purchase price, the financing level drops accordingly. This can create a funding gap, so it is worth discussing valuation risk with your advisor before proceeding.<\/p><p><strong>Step 5 \u2014 Formal mortgage offer (FEIN and FIAE)<\/strong><br>If the application is approved, the bank issues a formal binding mortgage offer. Under Spanish law (Ley 5\/2019), you must receive the offer at least 10 calendar days before signing. This mandatory period cannot be waived \u2014 factor it into your timeline, as it affects when you can complete the property purchase.<\/p><p><strong>Step 6 \u2014 Notary signing<\/strong><br>The mortgage deed is signed before a Spanish notary \u2014 typically on the same day as the property purchase deed. From this point, the mortgage is active and the purchase is complete. The notary verifies that you understand the terms of the mortgage and that the process has followed the correct legal steps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84c06a1 e-flex e-con-boxed e-con e-parent\" data-id=\"84c06a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7d8188d e-con-full e-flex e-con e-child\" data-id=\"7d8188d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef80790 elementor-widget elementor-widget-heading\" data-id=\"ef80790\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TIMELINES<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-265beea elementor-widget elementor-widget-heading\" data-id=\"265beea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hoelang duurt het Spaanse hypotheekproces?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a090e69 elementor-widget elementor-widget-text-editor\" data-id=\"a090e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The mortgage process in Spain typically takes <strong>6\u201312 weeks<\/strong> from the moment a complete documentation package is submitted. Timelines vary depending on the bank, the quality of the documentation and the complexity of the buyer&#8217;s financial profile.<\/p><p><strong>Realistic timeline breakdown:<\/strong><\/p><ul><li>Documentation preparation: 1\u20133 weeks<\/li><li>Bank assessment: 2\u20134 weeks<\/li><li>Property valuation: 1\u20132 weeks<\/li><li>Formal offer and mandatory 10-day review period: minimum 2 weeks<\/li><li>Notary signing: scheduled once all conditions are met<\/li><\/ul><p><strong>What causes delays?<\/strong><\/p><ul><li>Incomplete or poorly structured documentation submitted first time<\/li><li>Documents that need translation or apostille<\/li><li>Banks requesting additional information mid-assessment<\/li><li>Property valuation coming in lower than expected<\/li><li>Slow communication between buyer, bank and advisors<\/li><\/ul><p>The most common cause of delay is preventable: submitting an incomplete file. Banks do not assess incomplete applications \u2014 they return them, and the clock restarts.<\/p><p>For buyers who have signed a reservation agreement, time pressure is real. Most agreements give you 30\u201360 days to sign the private purchase contract \u2014 which is tight if the mortgage process has not already started.<\/p><div style=\"background:#FDF6F0; padding:24px 28px; border-radius:8px; border-left:4px solid #b5601a; margin-top:28px;\"><p style=\"margin:0 0 8px 0; font-weight:700; color:#080740;\">Starting the mortgage process early makes a significant difference.<\/p><p style=\"margin:0;\"><a href=\"#\" id=\"open-finance-form\" style=\"color:#b5601a; font-weight:700; text-decoration:none;\">Bekijk je hypotheekmogelijkheden \u2192<\/a><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e24943 e-flex e-con-boxed e-con e-parent\" data-id=\"3e24943\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0031947 elementor-widget elementor-widget-heading\" data-id=\"0031947\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">COMMON MISTAKES<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0d9c62 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"a0d9c62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What non-resident buyers often get wrong.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e29dccb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e29dccb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The Spanish mortgage process has some specific characteristics that catch international buyers off guard. Here are the most common mistakes \u2014 and how to avoid them.<\/p><p><strong>Waiting until after finding a property<\/strong><br>Many buyers start looking into mortgage options only after finding a property they want to buy. By then, they are under time pressure, have limited negotiating leverage and have no fallback if the mortgage assessment is negative. Starting with a pre-assessment \u2014 before your property search \u2014 gives you a realistic budget and puts you in a much stronger position. \u2192 <a href=\"\/nl\/finance\/\">See how Casa Connecta Finance works<\/a><\/p><p><strong>Underestimating the equity requirement<\/strong><br>Buyers used to mortgage systems that offer 80\u201390% financing are often surprised by the 60\u201370% limit for non-residents. Combined with acquisition costs of 10\u201314%, the total upfront capital requirement is significantly higher than many buyers plan for. Run the numbers carefully before committing to a property price range.<\/p><p><strong>Submitting an incomplete documentation package<\/strong><br>Banks do not assess incomplete files \u2014 they return them. Every missing document adds weeks to the timeline. Preparing a complete, well-structured file before submission is the single most effective thing you can do to accelerate the process.<\/p><p><strong>Not accounting for the valuation risk<\/strong><br>The bank&#8217;s financing is based on the official property valuation \u2014 not the agreed purchase price. If the valuation comes in lower than the purchase price, your maximum mortgage drops accordingly. This can create a funding gap that is difficult to bridge at short notice. \u2192 <a href=\"\/nl\/guides\/buying-property-spain\/\">Read the full guide on buying property in Spain<\/a><\/p><p><strong>Assuming all banks offer the same conditions<\/strong><br>Interest rates, financing levels, fees and documentation requirements vary significantly between lenders. Comparing multiple banks \u2014 or working with an experienced ACI mortgage advisor who knows the market \u2014 can result in meaningfully better terms. The difference in interest rate between lenders can amount to tens of thousands of euros over the life of a mortgage.<\/p><p><strong>Overlooking the mandatory 10-day review period<\/strong><br>Spanish law requires a minimum of 10 calendar days between receiving the formal mortgage offer and signing. This period cannot be waived. Factor it into your completion timeline \u2014 it affects when you can sign the purchase deed at the notary.<\/p><p><strong>Not considering what happens if buying with renovation plans<\/strong><br>If you are buying a property that needs significant renovation, the bank&#8217;s valuation will be based on the property&#8217;s current condition \u2014 not its potential. This is important to understand before committing to a purchase. \u2192 <a href=\"\/nl\/guides\/renovating-property-costa-brava\/\">Read the full guide on renovating property in Costa Brava<\/a><\/p><div style=\"background:#FDF6F0; padding:24px 28px; border-radius:8px; border-left:4px solid #b5601a; margin-top:28px;\"><p style=\"margin:0 0 8px 0; font-weight:700; color:#080740;\">Want to avoid these mistakes?<\/p><p style=\"margin:0;\"><a href=\"#\" id=\"open-finance-form\" style=\"color:#b5601a; font-weight:700; text-decoration:none;\">Bekijk je hypotheekmogelijkheden \u2192<\/a><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0f716b e-flex e-con-boxed e-con e-parent\" data-id=\"d0f716b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-31f1f1f e-con-full e-flex e-con e-child\" data-id=\"31f1f1f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85421d6 elementor-widget elementor-widget-heading\" data-id=\"85421d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">HOW WE HELP<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-558c2f2 elementor-widget elementor-widget-heading\" data-id=\"558c2f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Casa Connecta supports your mortgage process.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a48c0f elementor-widget elementor-widget-text-editor\" data-id=\"9a48c0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Casa Connecta Finance works with international buyers to structure and coordinate the full mortgage preparation process in Spain. We don&#8217;t give mortgage advice and we don&#8217;t sell financial products. Our role is to make sure the process around the mortgage works \u2014 from the buyer&#8217;s side only.<\/p><p><strong>What we do:<\/strong><\/p><ul><li>Pre-screen your documentation before the process begins<\/li><li>Identify gaps and help you obtain missing documents<\/li><li>Structure your mortgage file to Spanish bank standards<\/li><li>Coordinate with licensed Spanish ACI mortgage advisors<\/li><li>Keep track of progress and flag issues before they become problems<\/li><li>Communicate with you in your language at every stage<\/li><li>Maintain a realistic overview of timeline and next steps throughout<\/li><\/ul><p>Formal mortgage advice, product selection and bank negotiations are handled by our regulated Spanish ACI partner advisors \u2014 as required under Spanish law (Ley 5\/2019).<\/p><p>Our role is independent: we work exclusively on the buyer&#8217;s side, with no financial relationship with any of the banks or advisors we work with. Our only interest is making sure the process works in your favour.<\/p><p>\u2192 <a href=\"\/nl\/finance\/\">See how Casa Connecta Finance works<\/a><br>\u2192 <a href=\"\/nl\/guides\/buying-property-spain\/\">Read the full guide on buying property in Spain<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-agczue4 e-flex e-con-boxed e-con e-parent\" data-id=\"agczue4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-zbla89t elementor-widget elementor-widget-heading\" data-id=\"zbla89t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ubxzs6 elementor-widget elementor-widget-heading\" data-id=\"5ubxzs6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Common questions about Spanish mortgages <br>for non-residents.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0p5g4v2 elementor-widget elementor-widget-text-editor\" data-id=\"0p5g4v2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Can I get a mortgage in Spain if I don&#8217;t live there?<\/strong><br>Yes \u2014 Spanish banks offer mortgages to non-resident buyers. The conditions are different from resident mortgages: financing is typically limited to 60\u201370% of the property value, and the documentation requirements are more extensive. But it is entirely possible and many international buyers successfully obtain Spanish financing each year.<\/p><p><strong>How much deposit do I need for a Spanish mortgage as a non-resident?<\/strong><br>You need to cover at least 30\u201340% of the purchase price from your own funds \u2014 plus the acquisition costs (typically 10\u201314% in Catalonia). In total, plan for needing approximately 45\u201355% of the total investment in liquid funds before applying.<\/p><p><strong>What interest rates can non-residents expect in Spain?<\/strong><br>Spanish mortgage interest rates vary between lenders and depend on your financial profile, the loan amount and whether you choose a fixed or variable rate. Fixed rates provide certainty; variable rates are typically linked to Euribor. Your ACI advisor will compare options based on your specific situation.<\/p><p><strong>How long does it take to get a Spanish mortgage?<\/strong><br>From submitting a complete documentation package, the process typically takes 6\u201312 weeks to reach formal mortgage offer. The timeline depends on the bank, the quality of your documentation and how quickly any additional requests are resolved. Starting early \u2014 ideally before signing a reservation agreement \u2014 is strongly recommended.<\/p><p><strong>Do I need a NIE number to apply for a mortgage?<\/strong><br>Yes \u2014 a NIE number (N\u00famero de Identificaci\u00f3n de Extranjero) is required for any property transaction in Spain, including mortgage applications. If you don&#8217;t have one yet, arrange it as early as possible \u2014 it can take several weeks.<\/p><p><strong>Can I get a Spanish mortgage if I am self-employed?<\/strong><br>Yes, but the process is typically more complex. Banks require more extensive documentation for self-employed buyers \u2014 including company accounts, business tax returns and sometimes a letter from an accountant. Income stability is a key assessment factor. Preparation is especially important for self-employed applications.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bd69693 e-flex e-con-boxed e-con e-parent\" data-id=\"bd69693\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d0ef2a elementor-widget elementor-widget-heading\" data-id=\"1d0ef2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">AAN DE SLAG<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81c5639 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"81c5639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Planning to buy property in Spain? Start by understanding what's realistic in your situation.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11ba790 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"11ba790\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The mortgage process in Spain is manageable \u2014 but only if it&#8217;s properly prepared. Whether you are at the early planning stage or have already found a property, the right moment to start is now.<\/p><p>Fill in a short form and we&#8217;ll come back to you with a clear indication of what&#8217;s possible in your situation \u2014 based on your financial profile and the type of property you are looking at.<\/p><p>You don&#8217;t need to commit to anything \u2014 just get clarity first.<\/p><p><strong>Geen verplichtingen. Geen verkoopgesprek. Gewoon helderheid.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-623c511 e-con-full e-flex e-con e-child\" data-id=\"623c511\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62d0627 elementor-widget elementor-widget-button\" data-id=\"62d0627\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\" id=\"open-finance-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Bekijk je hypotheekmogelijkheden<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Spanish Mortgage for Non-Residents: A Complete Guide A practical guide to getting a mortgage in Spain as a non-resident \u2014 how it works, what banks look for, what you need and where things typically go wrong. Written specifically for non-resident buyers purchasing property in Spain. ELIGIBILITY Can non-residents get a mortgage in Spain? Yes \u2014 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4701,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-4673","page","type-page","status-publish","hentry"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/pages\/4673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/comments?post=4673"}],"version-history":[{"count":40,"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/pages\/4673\/revisions"}],"predecessor-version":[{"id":5509,"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/pages\/4673\/revisions\/5509"}],"up":[{"embeddable":true,"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/pages\/4701"}],"wp:attachment":[{"href":"https:\/\/casaconnecta.com\/nl\/wp-json\/wp\/v2\/media?parent=4673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}