At hipotecas.me, we help you secure your Spanish mortgage as a non-resident — even if you have already been rejected by a bank.
👉 We are not an automatic comparison tool.
We specialise in real mortgage approvals for foreign buyers and non-tax residents, including complex profiles.
It’s common to hear banks say:
At hipotecas.me, we don’t make excuses.
We analyse your profile from a professional financial perspective and find a viable solution with banks that understand international clients.
We can help you if:
Whether you are a citizen of the EU, Latin America, the UK, Switzerland or any other country — there are mortgage solutions for you.
At hipotecas.me, we don’t show generic offers — we negotiate real conditions directly with banks.
🔹 Non-Resident Mortgage
Financing tailored for foreign buyers. Ideal for second homes or investments.
🔹 Fixed-Rate Mortgage
Stable payments in euros. Recommended for clients looking for long-term certainty.
🔹 Variable-Rate Mortgage
Lower initial rates linked to Euribor. Good choice if you plan to repay early.
🔹 Mixed Mortgage
A fixed period at the start, followed by a variable rate. A balance of stability and flexibility.
🔹 Investment Mortgage
For buyers purchasing to rent out or as a financial asset. Specific terms available.
🔹 100% Mortgage (only for residents with additional guarantees)
If you already live in Spain or plan to relocate, we can assess feasibility with no down payment.
1️⃣ Quick Form
Tell us about the property and the country you’re applying from.
2️⃣ Personalised Analysis
We evaluate your financial profile with a realistic, expert approach.
3️⃣ Mortgage Strategy
We show you which banks can approve your application, with clear conditions.
4️⃣ Full Guidance
From application to signing — wherever you are. Digital or in-person support.
🌍 Specialists in Spanish mortgages for foreigners and non-residents
🤝 Direct contact with banks that approve international profiles
📑 Transparent process with no hidden fees or surprises
💬 Human assistance — no call centres, no automated replies
🗣️ Support in your language, wherever you live
💬 “I live in France and wanted to buy in Costa Blanca. No bank could give me a solution. With hipotecas.me, I secured my mortgage without leaving the country.”
A non-resident mortgage is a loan granted by Spanish banks to foreign buyers who do not pay taxes in Spain (they live and declare income abroad).
It is commonly used to:
📌 Some banks may require sworn translations if documents are not in Spanish or English.
Characteristic: Maximum Financing
Detail: Up to 70% of the purchase price or valuation
Characteristic: Repayment Currency
Detail: Euros
Characteristic: Economic Requirements
Detail: Stable income, strong credit history
Characteristic: Additional Documentation
Detail: Official translations if not in Spanish
Characteristic: Approval Time
Detail: 4–8 weeks, depending on country and profile
Diversos bancos en España ofrecen hipotecas para no residentes, aunque las condiciones pueden variar según la entidad y el perfil del solicitante:
Banco Santander Finances up to 70% for any nationality with solid financial standing. Strong digital process for international clients.
CaixaBank Up to 70%. Popular among EU, UK and Latin American buyers. Very active in tourist areas (Costa del Sol, Balearic Islands, etc.).
Banco Sabadell Similar 70% LTV. Strong experience with UK, EU and Swiss clients.
Bankinter Finances 65–70%, mainly for European residents. Requires detailed documentation.
Rural Banks Offer up to 60%. Limited options but viable in some regions.
Yes. Many Spanish banks finance foreign non-residents, especially if your income is stable and provable.
Typically up to 70% of the purchase price.The remaining 30% + taxes must be paid by the buyer.
Yes — the NIE is mandatory for any property purchase in Spain, even if you do not live in the country.
You can, but most banks require opening a Spanish bank account for payments and direct debits.
👉 Take the first step toward financing your property in Spain.Complete the form and we’ll tell you whether you can secure a mortgage as a foreign or non-resident buyer — with real guarantees.
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