Spanish Mortgages for
UK Buyers.
Everything you need to know about getting a mortgage in Spain as a non-resident UK buyer. Rates, deposits, lenders, and the step-by-step process.
6+
Major Lenders
60-70%
Max LTV
3-4.5%
Fixed Rates
6-10
Weeks to Complete
What UK Buyers Need to Know
Spanish banks actively lend to non-resident UK buyers. Here are the essentials before you start your application.
Deposit: 30-40%
Non-residents typically need a 30-40% deposit. Spanish banks offer a maximum 60-70% loan-to-value for non-residents, compared to 80% for residents.
Rates: 3.0-4.5% Fixed
Fixed rates for non-residents range from 3.0% to 4.5% depending on the bank, LTV, and term length. Variable rates are Euribor + 1.0-2.0% spread.
6+ Major Lenders
Santander, CaixaBank, Sabadell, Bankinter, BBVA, and Unicaja all offer non-resident mortgage products to UK buyers.
6-10 Weeks
From initial enquiry to funds release. Pre-approval takes 1-2 weeks, valuation 1-2 weeks, and underwriting 2-4 weeks.
Mortgage & Finance Articles
In-depth guides and analysis on Spanish mortgages, financing, and property investment for UK buyers.
Spanish Mortgages for UK Non-Residents in 2026: Rates, LTV & Best Banks
UK buyers can still secure Spanish mortgages in 2026 at 60–70% LTV with rates from 3.10%. Compare banks, costs and the full approval process.
14 min read
FinanceSpanish Mortgages for UK Non-Residents in 2026: Rates, LTV & Best Banks
UK buyers can still secure Spanish mortgages at 60–70% LTV with fixed rates from 3.40%. Here's exactly how it works in 2026, bank by bank.
14 min read
FinanceSpanish Mortgages for UK Non-Residents in 2026: Rates, LTV & Best Banks
UK buyers can still get Spanish mortgages in 2026. We break down rates, LTV limits, best banks, and the full cost of financing a Costa del Sol property.
13 min read
FinanceSpanish Mortgages for UK Non-Residents in 2026: Rates, LTV & Best Banks
UK buyers can still get Spanish mortgages in 2026. Compare rates, LTV limits, bank options, and the full cost of financing a Costa del Sol property as a non-resident.
14 min read
FinanceSpanish Mortgages for UK Non-Residents: Rates & Banks 2026
UK buyers can still access Spanish mortgages in 2026 — but non-resident LTV caps, NIE requirements and rate structures differ significantly from the UK market. Here's everything you need to know.
12 min read
Guides50 Essential Spanish Phrases for UK Property Buyers
A practical phrasebook for UK buyers navigating the Spanish property process — from viewing trips to notary appointments. Key vocabulary for estate agents, lawyers, banks, town halls, and daily life on the Costa del Sol.
8 min read
LifestyleRetiring to the Costa del Sol: The Lifestyle Guide Beyond the Finances
You've done the financial planning — pension transfers, tax implications, healthcare. Now for the part nobody prepares you for: what does daily life actually look like when you retire to the Costa del Sol? Activities, communities, social life, and staying happy.
9 min read
GuidesWhat Happens If Your Spanish Property Purchase Falls Through?
Understanding arras contracts, deposit rules, and your legal options when a Spanish property purchase collapses. Covers the three types of arras agreement, what happens at each stage of the transaction, and practical steps to protect your position.
10 min read
LifestyleSpanish Banking Beyond the Basics: Managing Money as a UK Expat
A practical guide to managing your finances across two countries — choosing a Spanish bank, international transfers, Bizum, multi-currency accounts, fees to watch, and the tax reporting obligations UK expats need to know about.
11 min read
Related Guides & Tools
Spanish Mortgages: Full Guide
Step-by-step process, documents needed, and bank comparison for non-resident UK buyers.
Costs & Taxes
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Buying Process
The full step-by-step process from offer to notary signing.
Cost Calculator
Calculate your total buying costs including mortgage payments and taxes.
Calculate Your Mortgage Payments
Use our free calculator to estimate monthly mortgage payments, total buying costs, and the deposit you will need for your Spanish property purchase.
Open Calculator →Mortgage FAQs for UK Buyers
Can UK buyers get a mortgage in Spain after Brexit?
How much deposit do I need for a Spanish mortgage?
What Spanish mortgage interest rates can UK buyers expect in 2026?
Which Spanish banks lend to UK buyers?
How long does a Spanish mortgage application take?
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