Residential mortgage

Buy, build or release funds from
your Spanish property

Your Spanish property may be repossessed if you do not
keep up repayments on your mortgage

Full-time residence, holiday home or perfect retirement - our residential Spanish Mortgage could make life easier.

Provided the property in Spain is fully constructed, structurally sound and ready for occupation, the Spanish Mortgage can help you.


Spanish residential mortgage
Minimum loan amount€100,000
Minimum loan term3 years
Maximum loan term25 years (10 years interest only)
Minimum age at start18 years of age
Maximum age at expiry70 years of age
Maximum Loan to Value (LTV)65% of the purchase price or valuation of the Spanish property, whichever is lower (60% for interest only mortgages)
Currency optionsAvailable in Euro
What you can borrow

We assess every application on individual affordability. When we calculate affordability, we consider your 'net disposable income' (NDI) This is your net monthly income less long term commitments. This should not exceed the NDI figures below.

Long term commitments include:

  • Monthly payments for existing UK mortgage, loan or hire purchase agreements
  • 5% of total credit card balances outstanding as a monthly payment
  • Proposed Spanish Mortgage repayment
  • Maintenance or Child Support Agency payments

Minimum NDI figures:

  • Sole applicant - £800
  • Joint applicant or a sole applicant with dependants - £975
  • Joint applicants with dependant or sole applicant with more than one dependant - £1,125

Please ensure you read the legal information which covers
your use of this website


Ready to apply?


  • Call us
  • From UK
  • 0845 308 9000
  • International number
  • 00350 200 44166

Lines are open

Monday to Friday
8.00am - 4.00pm

Calls may be recorded.



The Spanish Mortgage is provided by Adam & Company plc trading as The Royal Bank Of Scotland International, a UK subsidiary of The Royal Bank Of Scotland Group