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Guide to mortgages in Spain

The buying process, products, banks, financing, and negotiation explained with real data and clear language.

Blog

March 2026: what your bank hopes you never compare

2026-03-23

Buying process

Documents needed to apply for a mortgage in Spain

Earnest money (arras): types, amounts, and key clauses

Mortgage costs in Spain: notary, management fees, taxes

Mortgage timelines: how long each step takes in Spain

Property appraisal (tasación): what it is, cost, and who pays

Property Registry in Spain: nota simple and key checks

Provision of funds: how much cash you need to buy in Spain

Signing at the notary: what to expect on completion day

Steps to buy a property with a mortgage in Spain

The FEIN: binding mortgage offer and cooling-off period

Products & terms

Early repayment (amortización anticipada): partial and total

Fixed, variable or mixed-rate mortgage: which to choose

Floor clause (cláusula suelo): what it is and current status

Grace period (carencia) in Spanish mortgages

Late payment interest (interés de demora) on Spanish mortgages

Mortgage opening fees in Spain: costs and how to avoid them

Mortgage rate discounts: how to evaluate linked products

TIN vs TAE: what they mean and which one matters

Profiles

Joint vs. individual mortgage in Spain: how it affects your rate

Mortgages for civil servants in Spain: real rates and advantages

Mortgages for foreigners and non-residents in Spain

Mortgages for high earners in Spain: rates and requirements

Mortgages for self-employed in Spain: what banks actually require

Mortgages for young buyers under 35 in Spain

Second home and investment property mortgages in Spain

Banks & negotiation

How to negotiate a better mortgage interest rate in Spain

How to properly compare mortgage offers in Spain

Mortgage brokers in Spain: comparison and fees

Mortgage novation in Spain: renegotiating with your bank

Mortgage transfer in Spain: switching banks (subrogacion)

Online vs traditional banks for mortgages in Spain

Which bank offers the best mortgage right now

Time-sensitive information · Updated 2026-07-17

Insurance & cross-selling

Credit card linked to your mortgage in Spain

Direct deposit mortgages: benefits, alternatives and risks

Home insurance linked to your mortgage in Spain

How to remove linked products after signing your mortgage

Life insurance linked to your mortgage: how to cancel it

Pension plans linked to your mortgage: worth it?

Financing

100% mortgage financing in Spain: is it possible?

Buying property in Spain with no savings

Can I get a mortgage above 80% LTV in Spain?

Guarantors and ICO state guarantees for young buyers in Spain

New build vs resale: mortgage differences in Spain

Market & rates

Euribor forecast: understanding scenarios

Time-sensitive information · Updated 2026-03-22

Fixed, variable or mixed mortgage: how to choose

Time-sensitive information · Updated 2026-03-22

Mortgage rate trends: early 2026 report

Time-sensitive information · Updated 2026-03-22

What is Euribor and how it affects your mortgage in Spain

Time-sensitive information · Updated 2026-03-22

Expats

Buying property in Spain as a foreigner

Mortgages for non-residents in Spain

NIE: what it is, how to get it, and why you need it