Mortgage guide
Spanish Mortgages: detailed guide
Spanish mortgages for UK, US and European buyers, arranged by our sister company Uno Money. Non-resident and expat specialists. Enquire today.
- Published
- 18 Aug 2026
- Last reviewed
- 18 Aug 2026
- Reading time
- 2 min
Non-resident mortgages in Spain
A Spanish mortgage for non-residents is a loan offered to buyers who live and pay tax outside Spain, typically holiday-home and investment buyers from the United Kingdom and northern Europe. Non-resident applicants are offered lower maximum loan-to-value limits than residents and must evidence home-country income, alongside an NIE number (Número de Identificación de Extranjero), the identification number every foreign buyer needs to purchase Spanish property.
Spanish mortgages for UK buyers
Buyers from the United Kingdom remain among the largest groups of foreign purchasers in Spain, concentrated on the Costa del Sol, the Costa Blanca, the Balearic Islands, and the Canary Islands. Since the United Kingdom left the European Union, UK buyers apply as non-EU non-residents; this does not prevent lending but can affect terms with some lenders.
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