Tell me moreOverseas mortgage
Local mortgages
Other mortgages
Residential mortgage
Funding your place in Spain
Your Spanish property may be repossessed if you do not
keep up repayments on your mortgage
How will you use your home in Spain? From full-time residence to holiday home, the Spanish Mortgage could help realise your dreams.
Provided the property in Spain is fully constructed, structurally sound and ready for occupation, the Spanish Mortgage can help you.
| Residential mortgage | |
|---|---|
| Minimum loan amount | £25,001 (£150,000 interest only) or euro equivalent |
| Minimum loan term | 3 years |
| Maximum loan term | 25 years (10 years interest only) |
| Minimum age at start | 18 years of age |
| Maximum age at expiry | 70 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 options | Available 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:
Minimum NDI figures:
|
Please ensure you read the legal information which covers
your use of this website