Buying a home in Spain can sometimes be a complicated process. Whether you need a mortgage or not, we can provide expert advice on all the steps to be taken and the professionals to be contacted, so that your time in Spain is spent enjoying your home and not chasing bureaucracy.

We can put you in touch with the best legal advisers that will keep informed about all the details related to purchasing and financing your home in Spain, helping you to take out mortgage or re-mortgage in the safest way.

You will be expected to prove ability to pay (i.e. wage slips from the last 3 months and bank statements of the last 6 months or, if you are self-employed, copies of your last 3 years accounts (with an auditor's stamp) and copies of you last 12 month's business bank statements and your last 6 months personal bank statements). Proof of payment based on your ability to pay with income received from renting the property will not be taken into account by Spanish banks. See our full list documents necessary to apply for a mortgage with a Spanish bank for residents and non-residents:

If you are non-resident in this country, then you may be asked to provide an avalist. This will be somebody usually based in Spain who agrees to pay in the event of you being unable to. You will also be required to have a NIE (Numero de Identificación para Extranjeros) which is like an ID number everyone needs (residents and non-residents) in order to buy or sell property in Spain.