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Mortgages in Spain With Habeno
Are you considering buying your dream home in Spain and unsure of how you should go about it? We'll walk you through the basics so you know how we at Habeno can help you with your mortgage in Spain.
Start by applying for a Spanish mortgage
Buying a property can be a hassle, especially in Spain. The rules and processes around Spanish mortgages are often different than what you are used to, which means that the road to mortgages often is time-consuming and expensive.

At Habeno, we're experts on Spanish home loans and mortgages. We'll help you get a pre-approval and loan promise from leading banks in Spain. Applying for a pre-approval through Habeno is quick and 100 percent free. We negotiate with the banks so that you don't have to. Furthermore, we ensure you get a loan promise with the best terms. In other words - we'll save you both time and money.

If you want help going from a loan promise to a mortgage in Spain, our experienced home lending experts are here for you. Our Habeno Plus service handles the contact and meetings with the banks. We also ensure that the bank receives all the documentation and information needed for you to receive a Spanish mortgage. We take care of everything for you. In addition, you only pay us when you sign your mortgage agreement.
Spanish Mortgage Comparison
- We compare Spanish mortgages for you
Interest, terms and fees connected to your mortgage largely impact your monthly costs and expenses. At Habeno, we know the importance of comparing mortgages and loan offers from several banks and lenders. The same applies to mortgages in Spain.

With Habeno in your corner, we handle the stress and hassle of comparing different loan offers. We negotiate with the leading Spanish banks and ensure you get a pre-approval with the best possible terms. Applying for a home loan with Habeno is free, and you'll receive an answer within a business day.
How much you can borrow
How much you can borrow in Spain depends on your finances and ability to repay the loan. When applying for a loan promise through Habeno, you need to answer a few questions; it only takes five minutes. Then, within a banking day, we have negotiated with the banks and will contact you with a loan promise.
Borrow money and save time
Spanish banks offer mortgages of up to 70 percent of a property's value. Once you have found a property you want to buy, the bank evaluates it. If the bank's valuation is lower than the sales price, your Spanish mortgage is calculated on the bank's valuation of the home.
Why you should borrow in Spain
With our help, applying for a mortgage in the country you want to live in is easy and worthwhile. Our mortgage experts negotiate with the leading banks and ensure that you get a loan promise with the best possible terms - directly from a Spanish bank.

Advantages of Spanish mortgages when making a home purchase in Spain:
  • You do not have to mortgage your current home.
  • You mortgage the house you buy in Spain.
  • You avoid the currency risk because the loan is paid out in euros.
Signboard showing Habeno Plus which is a service that helps you get a Spanish Mortgage.
Habeno Plus - The easiest way to a Spanish mortgage
We think applying for a mortgage in Spain should be as easy as at home. Therefore, we cooperate and negotiate with leading banks in Spain and ensure that you get a Spanish mortgage with the best possible terms.

With our help, you can find and buy your dream home without travelling to Spain several times to meet with the bank, authorities and lawyers.

If you use our service Habeno plus, you get a personal home lending advisor who helps you with valuation and handles contact with the bank, notaries, lawyers and authorities. We make sure that the process runs smoothly so that you can save both time and money. Together we ensure everything is correct and that you get your house and mortgage in Spain.
Spanish Mortgage - Frequently asked questions
Here are the answers to some of the most common questions we get regarding mortgages in Spain.

Yes, both Spanish residents and foreigners can get a mortgage in Spain to buy a home. The rules and details might be different depending on your situation and the bank you choose.
If you want to read more about the requirements, we've collected some general information in our guide Can I get a mortgage in Spain?

Yes, non-residents are eligible to apply for and obtain mortgages in Spain. However, the terms and conditions may differ from those for residents. Lenders often consider factors like financial stability, creditworthiness, and the purpose of the property (investment, vacation home, etc.) when evaluating non-resident mortgage applications.

Read more about non-resident mortgages.

Getting a mortgage in Spain is like borrowing money from a bank to buy a house. You pay some money upfront (usually around 20-30% of the house price), and then you make regular payments, including interest, to the bank over several years.

To get a Spanish mortgage, you usually need to pay about 20-30% of the house's value as a down payment. This shows the bank that you're serious about the purchase and can afford the mortgage.

The amount you can borrow for a Spanish mortgage depends on things like how much money you make, your credit history, and the value of the property. Typically, banks might lend you up to 70-80% of the property's value. They look at these details to decide how much you can afford to borrow and pay back over time.

It is easy to apply for a Spanish mortgage
And it's free. We'll help you go from dream to dream home. Apply for a Spanish pre-approval today - get an offer tomorrow.