Finding Financing In Spain Is Not Impossible

Conventional investment property loans Banks in Spain typically offer mortgages for investment properties that require a 15-25% down payment and have higher interest rates compared to loans for primary residences.

Resident mortgages:

If you are a tax resident in Spain, you can qualify for an 80% mortgage of the property price.

Second home mortgages:

For a holiday home, you can get a mortgage up to 60-70% of the property price.

Off-plan future home mortgages:

You can get a pre-approved mortgage when reserving an off-plan property.

Equity release on existing Spanish properties:

If you already own a property in Spain, you can get up to a 90% mortgage by using the equity in your existing home as collateral.

Alternative financing solutions:

For sophisticated investors, lenders may be willing to provide back-to-back loan arrangements secured against listed investments.

The key is to work with Spanish mortgage experts who can help you navigate the various financing options, compare interest rates and terms, and secure the best deal based on your specific investment goals and financial situation.