Non-Resident Mortgage

The basic requirements for obtaining a mortgage as a non-resident in Spain include a valid passport, a Foreigner Identification Number (NIE), proof of income and a favourable credit assessment. At Finance Luxe, we advise you on how to meet these requirements and prepare all the documentation to facilitate your application.

At Finance Luxe, we understand the needs of foreign buyers. We offer:

• Personalised advice for non-resident mortgages.
• Access to competitive rates thanks to our relationships with Spanish banks.
• A quick and hassle-free process, with support in your language.

Our aim is for you to have a smooth and efficient experience when purchasing your property in Spain.

Interest rates for non-resident mortgages vary depending on the bank and the client’s financial profile, but are generally between 3% and 5%. At Finance Luxe, we negotiate on your behalf to ensure you get the best terms available on the market.

Of course! At Finance Luxe, we help international clients purchase property in Spain regardless of their citizenship. You don’t need to be Spanish or resident in Spain; you just need to meet the mortgage requirements and have a NIE. We take care of the rest.

Yes, at Finance Luxe we work with banks that understand the situation of international buyers. Even if you do not have a credit history in Spain, your financial solvency will be assessed based on documents such as income, assets and bank statements from your home country.

To apply for a non-resident mortgage, you will need:

• A valid passport.
• Foreigner’s Identification Number (NIE).
• Recent bank statements.
• Income or tax declarations.
• Employment contract or proof of stable income.

At Finance Luxe, we assist you in compiling and submitting these documents to make the process easier.

As a non-resident, you can generally finance between 60% and 70% of the appraised value of the property. At Finance Luxe, we help you determine how much you can finance according to your profile and find the option that best suits your needs.

The process begins with obtaining a NIE and opening a bank account in Spain. Then you search for the property, negotiate the price and sign a purchase contract. At Finance Luxe, we assist you every step of the way, ensuring that you get a suitable mortgage and that the process is transparent and efficient.

Yes, at Finance Luxe we offer mortgage solutions both for the purchase of a second home and for real estate investments. We understand the needs of non-residents looking to diversify their wealth, and we help you find the best conditions for your project.