We help you get the best financing for your new home. Free management and exclusive conditions with major banks.
Request mortgageWe do not charge for our mortgage intermediation services
Access to exclusive rates thanks to our agreements with banks
We take care of all documentation and procedures
Pre-approval in 48 hours with major banks
Find the option that best suits your needs
Stable payment throughout the life of the loan. Ideal if you seek security.
From 2.5%
Rate linked to Euribor. Lower initial cost, payment may vary.
Euribor + 0.5%
Combines an initial fixed period with a subsequent variable one.
From 2.2%
In 4 simple steps you will have your mortgage approved
Fill out the form with your basic data and financial situation
We analyze your profile and compare offers from different banks
We present you the best personalized options for you
We accompany you until signing the deed at the notary
Everything you need to know before applying for your mortgage on the Costa del Sol
Yes. Spanish banks grant mortgages to non-residents, normally financing between 60% and 70% of the appraised value (compared with the usual 80% for residents). Translated and apostilled financial documentation is required, and maximum terms are usually 20-25 years.
For tax residents in Spain, banks finance up to 80% of the appraised value. For non-residents, it is usually between 60% and 70%. The buyer must have the remaining 20-30% plus the purchase costs (an additional 8% to 12% on top of the price).
A fixed-rate mortgage keeps the same interest rate for the entire life of the loan (constant instalment). A variable mortgage is adjusted periodically based on the Euribor plus a margin. A mixed mortgage applies a fixed rate for the first few years and a variable rate afterwards. The choice depends on the buyer's profile and the rate outlook.
The full process usually takes 4 to 6 weeks: 48-72 hours for pre-approval, 1-2 weeks for the bank's assessment and the valuation, and another 2-3 weeks until signing before a notary. At SolProp we handle all the documentation to shorten timeframes.
ID/NIE/passport, your latest payslips (or income tax returns if you are self-employed), last year's income tax return, bank statements from the last 6 months, your employment contract and, if you are a non-resident, a certificate of income from your home country, translated and apostilled.
No. Our mortgage management service is completely free for the client. We compare offers with the leading banks and negotiate the best conditions at no additional cost to you.
Fill out the form and we will contact you within 24 hours
* The interest rates shown are indicative and may vary depending on the customer's profile and market conditions. Check specific conditions with your advisor.