Spanish Non-Resident Mortgages

Non-Resident Spanish Mortgages

For those who are receiving income & being taxed outside Spain, banks will provide non-resident mortgages of between the 60% and 70% of your purchase, depending on your country of origin and circumstances.

At Platinum Mortgages, we work hand in hand with our Spanish mortgage team to provide experienced advice to ensure we can secure you a mortgage solution, regardless of the country where you are generating your income.

We have many happy clients from locations all over the world, such as the UK, Ireland, Germany, Netherlands, Belgium, United States, France, Sweden, Norway…. and many others!

Non-Resident Spanish Mortgages

Why work with Platinum Mortgages to get a non-resident mortgage?

Understanding mortgages and dealing with Spanish banks is not always simple. Language, paperwork, and processes are likely to be very different to those in your home country.

Our aim is to understand our client’s needs and to make sure we can provide you with a mortgage in principle with the best possible terms and within a reasonable timeframe.

Wouldn’t you feel more confident viewing properties when you know a mortgage expert has got your case in hand and a mortgage in principle ready to go? This is our target!

With Platinum Mortgages you will:

Work with a registered and authorised Spanish mortgage broker team, so you get all guarantees of working with qualified agents who will make sure the conditions of your mortgage are fair.
Increase your chances of getting a mortgage, as we will submit your application to several banks at the same time.
Increase your chances of getting a good mortgage deal, as we will always get banks to offer their best rate possible.

A non-resident Spanish mortgage refers to a lending agreement that is offered to individuals who are not tax residents in Spain.

As a non-resident in Spain, you will typically be offered:

A mortgage of between 60% and 70% of the property price or valuation.
Mortgage terms of 20 to 25 years, depending on the applicant’s age.

Getting a mortgage as a non-resident in Spain can be challenging, that is why we recommend you count on us to help you along the way!

Spanish Non-Resident Mortgages

Let’s discuss required Mortgate options

Speak to a Platinum Mortgage team member now

About Platinum Mortgages

Our motto is ‘straight-talking advice’ and we live by that. No jargon, no fuss, no stress. We’re passionate about getting you the perfect mortgage with the best rates, no matter if you are; buying your first home, remortgaging, moving home, purchasing a second property, or you have a history of bad credit. Our job is to help you buy your dream home.

Get in touch

Mon- Fri :
9:30 am - 5:30 pm

WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS. THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.

WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME

If your mortgage is ever on a variable rate:
WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

If your mortgage is ever on a fixed rate:
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOANEARLY.

If your mortgage is on an interest only term:
WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF THE INTEREST ONLY PERIOD.

If your mortgage is an equity release mortgage and is being used for debt consolidation purposes:
WARNING: THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS. THIS MEANS YOU MAY PAY MORE THAN IF YOU PAID OVER A SHORTER TERM.

©️ 2022 Platinum Mortgages. All rights reserved.

David Devine t/a Platinum Mortgages and Platinum Financial Planning is regulated by The Central Bank of Ireland. Reg. No. C118945 Finance House, Florence Road, Bray, Co. Wicklow