Spanish Mortgage Calculator
Work out your monthly repayment and the real upfront cost of buying a new-build on the Costa Blanca — deposit, IVA, stamp duty, notary and legal fees all included. Built for non-resident buyers.
Non-residents usually need 30–40% (banks lend 60–70% LTV).
Spanish non-resident fixed rates are around 3–4% in 2026.
Most non-resident mortgages cap at 25–30 years (to age ~75).
Free, no-obligation mortgage check via our partner Habeno.
Estimates only, not a mortgage offer or financial advice. Rates, taxes and lending criteria vary by bank, region and personal circumstances. New-build purchase costs shown for the Valencian Community; Murcia differs slightly.
Spanish mortgages — FAQ
How much deposit do I need for a Spanish mortgage as a non-resident?+
Spanish banks typically lend non-residents 60–70% of the property value, so you should budget for a deposit of 30–40%. On top of the deposit you also need around 12–13% of the price for purchase costs (IVA, stamp duty, notary, registry and legal fees) on a new build.
What are the total costs of buying a new-build on the Costa Blanca?+
For a new-build in the Valencian Community, budget roughly 13% on top of the price: 10% IVA (VAT), 1.5% AJD (stamp duty) and around 1.5% for notary, land registry and legal fees. The calculator above adds these to your deposit to show the total cash you need.
What interest rate will I pay on a Spanish mortgage in 2026?+
Non-resident fixed rates on the Costa Blanca are around 3–4% in 2026, with variable rates tracking Euribor plus a margin. Your exact rate depends on the bank, your income profile and the loan-to-value.
How long can a non-resident mortgage term be?+
Most non-resident mortgages run 20–30 years and must usually be repaid by around age 75, which can shorten the maximum term for older borrowers.
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