For buyers coming from the US & Canada

Buying in Spain from North America, without the back-and-forth.

A bank in Spain does not see W-2s, 1099s or LLC structures every day, and US tax reporting rules follow US citizens wherever they buy. We prepare the case — and flag what needs a specialist — so it reads clearly the first time, across time zones, not after several rounds of questions.

How this actually works

Banks in Spain do not reject US and Canadian buyers. They reject a file they cannot place.

US-format tax returns, corporate income and dollar-denominated savings are not the documents a bank in Spain is set up to read by default. We translate them, along with your residency plans and currency exposure, into the case a bank in Spain can actually assess.

What is different for you

Four things that catch US and Canadian buyers out.

Currency

Your income is in dollars. Your mortgage will not be.

A mortgage in Spain is priced and repaid in euros. If your income or savings are in USD or CAD, 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 USD or CAD
Buyers transferring US or Canadian savings to fund the purchase
Second-home buyers keeping their main income in North America
Anyone who has not yet worked out what currency risk means for them

US tax reporting

FATCA and foreign asset reporting do not stop at the border

US citizens and green card holders generally keep US tax and reporting obligations (including FATCA and FBAR) on assets held abroad, regardless of where they live. We are not US tax advisors, but we know how these questions intersect with a Spanish mortgage application, and flag early where you need a specialist.

Who this is for

US citizens and green card holders buying abroad
Buyers planning to hold the property through a US entity
Buyers who have not yet spoken to a cross-border tax advisor
Canadian buyers with US tax exposure (dual citizens, past US residency)

US-format income

Self-employed, LLC, S-corp, or paid through a corporate structure

1099s, K-1s and LLC or S-corp income are common in the US 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

US self-employed and independent contractors
Business owners paid through an LLC or S-corp
Buyers with US rental or investment income
Buyers whose income does not fit a standard payslip

Non-resident terms

Buying from outside the EU changes the starting point

As a non-EU, non-resident buyer, the deposit a bank expects and the documentation trail it asks for both look different from a resident case. We explain what is realistic for your specific profile before you commit to a property, not after.

Who this is for

Buyers purchasing a second home, not relocating
Buyers comparing what a non-resident case actually requires
Buyers who have only seen generic online estimates
Buyers coordinating the purchase remotely, across time zones

Morning coffee on a terrace overlooking a white coastal town in Spain

Where this is all going

A terrace, a coffee, a view you no longer have to imagine.

Regulated by the Bank of Spain · ICI E156

Dream Nest Consultants S.L. · CIF B19728146 · C/ Federico García Lorca, 9, 12530 Burriana, Castellón, España. See our legal notice, privacy policy and whistleblowing channel.

Before you call

See what your numbers could look like in USD.

Adjust property price, term, rate and region in our mortgage calculator — a realistic starting point before the full review, not a sales pitch.

Estimate your costs

Ready when you are

Tell us about your project in Spain.

We will help you understand whether the mortgage route is realistic before you lose time with the wrong bank.

Start your project