Buying in Spain from the UK, without the guesswork.

A mortgage in Spain is priced and repaid in euros. If your income or savings are in GBP, currency movement affects both what you can borrow and what your monthly payment actually costs you at home — not just at the moment you sign.

Who this is for

• Buyers paid in GBP
• Buyers transferring a UK property sale to fund the purchase
• Second-home buyers keeping their main income in the UK
• Anyone who has not yet worked out what currency risk means for them

As a non-EU national, your residency status, visa route and time spent in Spain all factor into how a bank assesses your case. We are not immigration advisors, but we know how these questions intersect with a mortgage application, and flag where you need specialist advice.

Who this is for

• Buyers planning to relocate full-time
• Buyers unsure how residency affects tax and mortgage terms
• Non-resident second-home buyers
• Buyers who have received conflicting advice about visas

SA302s, company accounts and dividend income are common in the UK and unfamiliar in an underwriting file in Spain. We present them in a structure a bank in Spain is set up to assess, rather than leaving the bank to guess.

Who this is for

• UK self-employed and sole traders
• Limited company directors paid in dividends
• Buyers with UK rental income
• Buyers whose income does not fit a standard payslip

Purchase taxes, typical price levels and how competitive a bank feels differ between the Costa Blanca, the Costa del Sol, the Balearics and inland Spain. We factor in where you are actually buying, not a national average.

Who this is for

• Buyers comparing more than one region
• Buyers who have only seen generic national cost estimates
• Buyers deciding between coast and inland
• Buyers who want the real cost breakdown, not a headline figure