Can a non-resident get a mortgage in Spain?
Yes, banks lend to non-residents too, though the terms and required documents differ from those for residents. We coordinate contact with the finance partner.
Good to Know
Financing a purchase.
When speaking to a bank makes sense, and how to organise that step before buying.
When to speak to a bank.
Buying without external finance simplifies the process and shortens it. If you want to spread the payment, however, it is worth speaking to a bank before reserving a property — the lending decision affects what you can realistically buy.
Banks assess the application on affordability, income documentation and residency status. The differences between residents and non-residents are significant and worth knowing before you start viewing.
How the application works.
The application requires identity documents, proof of income and information on existing commitments. Verification also covers the source of funds.
We coordinate contact with the finance partner and help organise the documents. The lending decision and terms are set by the bank — Vesta does not give financial advice or guarantee a decision.
What we do not publish.
We do not publish specific interest rates, arrangement fees, charges or refund guarantees. These change with the market and depend on the bank's individual assessment. We give them in conversation, with the source.
It is worth planning finance with a margin of time. Starting the process too late can affect the payment schedule set out in the contract.
Questions buyers ask.
When should I start talking to a bank?
Before reserving a property. The lending decision affects what budget is realistic, so it is worth knowing before you choose.
What rates and fees apply?
We do not publish specific rates or fees, because they depend on the bank and the individual assessment. We give them in conversation with the source.
Does Vesta give financial advice?
No. We coordinate contact with the finance partner and help organise documents. The bank sets the terms.
LET'S START QUIETLY
Book a private consultation.
Tell us what you are looking for, and if you are considering a sale, about that too. We reply within one working day.