Assistance in obtaining a loan

We offer comprehensive support in obtaining a mortgage for the purchase of property in Spain. Our team of experienced financial advisors will help you through the entire process – from the initial calculation of your creditworthiness, through comparison of offers from leading Spanish banks, to the finalisation of the agreement. With our help, you will receive the most advantageous offer tailored to your financial situation, with the optimal interest rate and loan term. We also take care of all the documentation, minimising the formalities on your part and significantly speeding up the entire process.

Frequently asked questions about assistance in obtaining a loan in Spain

What documents does a foreigner need to obtain a mortgage in Spain?

To apply for a mortgage in Spain as a foreigner, you will need: a NIE (Número de Identidad de Extranjero) number, proof of income (translated by a sworn translator), bank statements, recent tax returns and proof of identity. Our team will help you gather all the necessary documents and ensure they are prepared correctly.

What deposit is required for non-residents?

Spanish banks usually require non-residents to make a higher deposit than Spanish citizens. While residents can count on financing of up to 80% of the property value, foreigners are expected to make a down payment of 30-40%. This is due to the higher credit risk associated with financing people who do not reside permanently in Spain. Our advisors will help you find the bank that offers the most favourable terms for your situation.

Does Spain recognise Polish employment contracts or income from business activities?

Yes, Spanish banks recognise income from Polish employment contracts and business activities conducted in Poland. It is essential to provide appropriate documentation of this income – income certificates, bank statements and tax returns are required, all translated into Spanish. People who work remotely or run a business in Poland must demonstrate long-term income stability, usually a minimum of two years.

What interest rates do Spanish banks offer in 2025?

In 2025, Spanish banks offer mortgages with both fixed and variable interest rates. Fixed-rate loans range from 3-4%, while variable-rate loans are based on the EURIBOR rate plus the bank’s margin. The choice between these options depends on the borrower’s individual preferences and financial strategy. Our experts will help you choose the most advantageous option by analysing the current market situation and your financial capabilities.

Is it necessary to be physically present in Spain?

In most cases, at least one visit to Spain is necessary to sign the final loan documents. However, thanks to our service, we can minimise the number of trips required. Most of the formalities can be completed remotely, and for the final signing of the agreement, it is possible to grant power of attorney to a solicitor who will represent you on site. Our advisors will help you organise the entire process in the most convenient way for you.

A loan from a Spanish bank vs. financing in your home country – which is more profitable?

Mortgages in Spain often offer lower interest rates than in Poland, which can be advantageous despite the higher down payment required. A loan taken out in euros also eliminates currency risk if you plan to rent out the property and receive income in euros. On the other hand, obtaining a loan from a Polish bank may be simpler in terms of procedure. Our advisors will conduct a detailed analysis of both options, taking into account your individual financial situation, long-term plans and current market conditions.