Find your dream home abroad...

Spanish mortgages

Minimum property value

The property must have a minimum valuation for mortgage purposes of £60,000.

What you can borrow

Unless stated otherwise on the interest rate tables, you can borrow up to 75% of the Sterling equivalent of our mortgage valuation of the property or the purchase price (if applicable) whichever is lower. For older properties (typically over 20 years) certain restrictions may apply.

Mortgage Term

The maximum repayment period on our Spanish mortgages is 20 years.

Our charges

Reservation fees will be applied on some schemes. A fee of £25 will be charged if you choose not to arrange your buildings insurance through us, or if you arrange it through us and subsequently cancel the policy before it expires. A transfer fee will also be charged to send the money to your solicitor.

Your mortgage can move with you

All our mortgages are portable.

This means that if you move your home in Spain and buy another Spanish property, you can have a mortgage on your new home on the same terms as before, providing that your new home is a satisfactory security for the loan and that your financial position meets our criteria at the time.

Minimum advance

The standard minimum advance is £20,000 (unless stated otherwise).

Please contact us for more information