Spanish mortgages
for non residents

Mortgage advice with a 95% approval rate*

International Private Finance is a mortgage broker, not a lender.

Important Disclosures:
A fee may be charged for mortgage advice (actual amount depends on circumstances). We also typically receive a commission from lenders. International Private Finance Limited (Co. No. 06292950) is authorised and regulated by the FCA (reference number 726230). Typical approval rates are based on past clients; individual outcomes vary and are not guaranteed. Your home may be repossessed if you do not keep up with repayments on your mortgage.

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Why us

Spanish mortgages made easy for non residents

Buy your dream Spanish property without the stress with our expert guidance.

95% approval rate

Secure your Spanish mortgage with confidence and ease.

Bilingual team

Seamless mortgage process with expert bilingual support.

Over 17 years experience

Expert guidance ensuring a smooth, stress-free mortgage process.

Award-winning broker

Winner of Best Specialist Mortgage Broker at the British bank awards.

Our process

Spanish mortgages, minus the confusion

With over 17 years of experience, local connections, a bilingual team, and trusted lenders, we make securing a Spanish mortgage simple for UK residents. Whether for a holiday home or a permanent move, we handle the details so you can buy without the stress.

1
Speak with a Spanish mortgage expert

We gather your personal and financial details, provide a no-obligation, tailored mortgage quote, and access exclusive deals. Our expertise ensures you get the best rates, saving you time and money.

2
Guided help for your application

Once you proceed, a bilingual dedicated consultant will guide you through the process, ensuring the process is smooth for you hundreds of miles away from your future new property.

3
Ongoing support & completion

We manage communications with banks, notaries, estate agents, and others, ensuring all legal and administrative tasks are handled efficiently, relieving stress on you as a non-resident.

Latest Rates

Spanish mortgage rates

International Private Finance has exclusive access to some of the best Spanish mortgage rates on the market, unavailable if you went directly to lenders. Once we know more about your circumstances, we can recommend the best rates available to you. The table below outlines the latest general Spanish mortgage rates.

Type of mortgageMax LTV (Term)Starting Rates from **Interest onlyMonthly payments *Request Quote
Mixed (Fixed 1 Year - Remaining Term Variable) 70% (10 years)5.19%No€3,210
Mixed (Fixed 1 Year - Remaining Term Variable)70% (20 years)5.19%No€2,011
Mixed (Fixed 5 Year - Remaining Term Variable)70% (15 years)5.15%No€2,396
Mixed (Fixed 10 Year - Remaining Term Variable)70% (25 years)5.25%No€1,798

* Monthly payment is based on a loan amount of €300,000
** Lower interest rates may be available if you do not require the maximum LTVs (loan to values)
This information should only be used as a guide. The products mentioned here are for non-resident clients, other products will be available for residents. The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will carry out a full review to establish your needs and preferences and if you meet the criteria, we will give advice and make a recommendation to you. There will be a fee for our mortgage service. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over.
For a personalised Spanish mortgage quote please contact us directly or submit your information online.
Information provided by www.internationalprivatefinance.com and is correct as of 14/02/2024

Your home may be repossessed if you do not keep up with repayments on your mortgage

Check your eligibility today!

Take the first step towards owning your dream home in Spain—check your eligibility today, and let us guide you every step of the way!

Fiona Watts, Founder & Managing Director

Rated Excellent

34 reviews on

Google.com

Our reviews

What our clients say about us

We’ve spent years helping US-based clients purchase properties in Spain. Here are some examples of satisfied clients who can share how we supported them in finding suitable mortgage options for their homes.

"Unwavering support and expertise, every step of the way"

Unwavering support and expertise, every step of the way. IPF took the time to understand my international buying goals while providing very dedicated support to find the best mortgage for my needs. Their attention to detail was exceptional, in explaining various mortgage options and keeping my best interests in mind to ensure that I was making an informed decision. As buying abroad can be confusing, IPF was available to offer support about the steps involved and answered all of my questions. IPF's dedication made the purchase happen smoothly and their proactive approach ensured that no detail was overlooked.

"It has been a pleasure to work with such a knowledgeable and dedicated team of professionals"

We would like to express our sincere thanks to all of you on the IPF team for making it possible. We would never have been able to navigate the complexities of this process without your constant help and guidance, and we deeply appreciate the care, patience, and genuine support that you have provided at every stage. We are especially grateful for your efforts in securing our mortgage on such advantageous terms, which has helped to make the project all the more achievable for us. It has been a pleasure to work with such a knowledgeable and dedicated team of professionals; IPF have really come through for us, and we will gladly recommend your team to anyone we know in the future. Once again, many thanks to all of you!!!

 "I don't think we would have stuck it out without them."

IPF made this whole process significantly easier for us. I don't think we would have stuck it out without them. Natalie and her team were with us every step of the way, fast in replying and answering questions and super supportive even when we were having a bit of a meltdown about the process. Initially we were very skeptical about having to pay so much for what we essentially thought was going to be a simple "mortgage broker", but they turned out to be worth every penny. They did so much more than broker the mortgage. They guided, advised, cautioned and just generally held our hand through the entire process. I couldn't recommend them enough and thank you so much for everything.

"Always on hand to offer advice and reassurance"

Natalie Knibbs and the team were simply amazing. They helped us through a complex process, making it as simple as possible. Always on hand to offer advice and reassurance yet setting realistic expectations. We could not have done it without them. Anyone considering a move abroad to France or Spain etc needs to reach out to IPF. Thank you to them for helping us realise our dream.

"Thank you all for your help."

I just wanted to take a moment to thank you all for your help. I honestly don't think we would have made this happen without you!

"The service from the entire IPF staff was impeccable!"

In the past, we have engaged with several mortgage brokers across the US and some parts of Europe on multiple real estate transactions. Our experience with IPF well exceeded our expectations and was unmatched by any others by a huge margin! We were very impressed with IPF from beginning to end. Their website is informative, the consultation with Fiona answered all our questions, the IPF communication throughout the process was clear, and they closed with the lender thru the hectic holidays. Fiona was true to her every word and delivered on all her commitments. Every email was answered the same day! And when she was away from the office, Natalie was quick to pick up and fully knowledgeable of our case. The service from the entire IPF staff was impeccable! We truly felt that they have given our case the highest priority and gained our full trust. We will definitely employ their services at the next opportunity. Thank you IPF!!!