Are you an international buyer looking to purchase property in Spain? With MoveSpain, you can own a home stress-free and secure a mortgage from 3% interest – even as a non-resident!
We work with top Spanish banks to get you the best mortgage rates, handle all paperwork, and guide you through the entire buying process from start to finish. Buy a Property in Spain as a Foreigner with Mortgage Rates from 3% Interest now!
✅ 1. Consultation & Needs Assessment
✅ 2. Tailored Property Search
✅ 3. Property Viewings (In-Person or Video Calls)
✅ 4. Contract Review by Expert Lawyers
✅ 5. Property Inspection by Architects
✅ 6. Debt & Legal Check
✅ 7. Suburb & Area Advice
✅ 8. Property Comparison & Investment Analysis
✅ 9. Price Negotiation – Secure the Best Deal
✅ 10. Utilities & Services Setup
✅ 11. In-person assistance with signing
💰 Loan-to-Value (LTV): Up to 70% of property value
📅 Mortgage Term: Up to 25 years (some cases 30 years)
📉 Debt-to-Income Ratio: Max 35% of monthly income
🔑 Minimum Loan Amount: €100,000
📜 Legal Requirements: NIE number & Spanish bank account
💡 Don’t worry! We handle all paperwork and negotiate the best terms for you!
Buy a Property in Spain as a Foreigner with Mortgage Rates from 3% Interest now.
Yes! Spanish banks offer mortgages to non-residents, typically financing up to 70% of the property’s value. You need proof of income, a Spanish bank account, and an NIE (foreign tax ID). We will help you to buy a Property in Spain as a Foreigner with Mortgage Rates from 3% Interest
Banks in Spain generally prefer incomes in stable, widely traded currencies. Accepted currencies include but are not limited to:
Euro (EUR)
US Dollar (USD)
British Pound (GBP)
Swiss Franc (CHF)
Canadian Dollar (CAD)
Australian Dollar (AUD)
Danish Krone (DKK)
Norwegian Krone (NOK)
Swedish Krona (SEK)
Polish Zloty (PLN)
United Arab Emirates Dirham (AED)
Qatari Riyal (QAR)
Saudi Riyal (SAR)
Israeli Shekel (ILS)
Mexican Peso (MXN)
Japanese Yen (JPY)
Singapore Dollar (SGD)
At least 30-40% of the property price. Since non-residents can get a maximum 70% Loan-to-Value (LTV) mortgage, you must cover the remaining 30% plus additional fees (taxes, notary, legal, etc.).
Interest rates start at 3% annually. The exact rate depends on your financial profile, loan term, and the bank’s policies. Fixed and variable rate options are available.
Apart from the 30% deposit, buyers need to budget an extra 10-12% for:
Property Transfer Tax (ITP): 6-10% (depends on the region).
Notary & registration fees: ~0.8/1% of property value.
Legal & mortgage costs: Includes lawyer fees and bank fees (~1%).
⏳4-8 weeks on average. The process includes:
1️⃣ Submitting your financial documents.
2️⃣ The bank conducting an appraisal & risk assessment.
3️⃣ Final mortgage approval and signing before a notary.
Not necessarily! MoveSpain offers virtual tours and can handle most of the process remotely. However, for the final notary signing, you may need to be present or grant a Power of Attorney to a trusted representative.
Before buying, it’s important to verify property ownership and debts. You can check this via the Spanish Land Registry.
🏡 MoveSpain provides a full-service buying experience, including:
✔️ Finding the best properties based on your needs.
✔️ Arranging financing & mortgage approvals.
✔️ Handling legal checks, contract reviews & price negotiation.
✔️ Ensuring a smooth purchase process with expert guidance.
Please provide all the information so we can evaluate your profile and contact you with a better proposal.
