If you're applying for a Spanish mortgage as a non-resident, this is the paperwork you'll be asked to gather. The list below is grouped so you can work through it and tick items off as you collect them. Every Spanish bank has its own variations, so treat this as the core set rather than an exhaustive rulebook for every lender. For the full mortgage process overview, read our mortgage guide for Spain.
Before you start
Some of these documents need to be officially translated or carry an apostille before a Spanish bank will accept them. Which documents, and whether an apostille is required, depends on the bank and on your specific file.
Banks generally ask for both: the return (what you declared) and the final assessment (what the tax authority confirmed).
Variation by income type
Self-employed: add two years of annual accounts and business tax returns. The documentation load is noticeably heavier.
Company director / shareholder: add dividend documentation, annual accounts, and an accountant's statement if requested.
Possibly also requested: business bank statements if you're self-employed.
Possibly also requested: a credit report from your home country, or proof that you have no outstanding debts.
This is the section where non-resident files most often need extra backup. A bank statement proves a balance exists; it doesn't prove where the money came from. For each source, be ready to show its origin:
One rule worth knowing up front: Spanish banks generally don't treat borrowed money as part of your own contribution. Funds raised through a loan or a higher mortgage in your home country usually won't count toward your own input. Use our estimated own funds calculator to understand what you'll typically need to bring.
Working through the checklist and unsure whether anything is missing? Casa Connecta coordinates non-resident mortgage files from start to finish, on the buyer's side. Send us your details and we'll reply within 24 hours.
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This checklist is indicative and intended as general guidance only. It is not mortgage advice. Every bank sets its own requirements and may request additional documents. The mortgage advice itself is provided by ACI-certified Spanish advisors under Ley 5/2019; Casa Connecta coordinates your file and does not provide mortgage advice.
The complete guide to arranging a mortgage in Spain as a non-resident — from preparation to signing.
Read the guide →Independent mortgage coordination for non-residents buying in Spain.
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Open calculator →How much can you borrow as a non-resident in Spain: LTV explained.
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