We process your Mortgage for foreigners Free if you buy with us
We get you the best mortgage in Spain for non-residents so you can buy your home with all the facilities.
We assure you the best offer on the market for your mortgage. Our adviser will take care of everything for you and filter the mortgage market to get you the best conditions.
We negotiate directly with each bank to always find the best mortgages for our clients whatever their situation.
If you are Spanish or a foreigner, you do not reside in Spain, and you want to get a mortgage to buy a home, we will get you the best mortgage according to your profile.
Pide you free advice without any commitment. We will inform you of all the options you have and all the steps you have to take.
Steps to obtain a Mortgage for foreigners
Steps in our method to get the best mortgage to buy in Spain:
- Financial advice: We prepare your profile to indicate the requirements and conditions of the mortgage.
- Submit the mortgage: We present your mortgage in different banking entities in your name according to your needs.
- Negotiation of conditions: Once we have a response from all the banks, we negotiate directly with each one to lower the interest rate and ensure the best conditions.
- Choose your mortgage: All bank offers will be presented and explained to you so that you can choose the mortgage you want.
- Appraisal: We manage and accompany the appraiser.
- Accompaniment to notary: On the day of signing before a notary, you will be accompanied by your personal advisor as throughout the process.
FREE FINANCIAL ADVICE
Non-resident foreign mortgages in Spain
When buying a home in Spain as a foreigner, there are two options:
- Apply for the mortgage in the country where you reside The buyer.
- Apply for the mortgage in Spain.
Both options are valid and they are just as interesting for the client. The choice will depend on the options that the client has and the type of mortgage need.
The appropriate thing would be study all options y filter the market to analyze all the characteristics of each mortgage and be able to choose the one that best suits you.
At Valoracasa Inmobiliaria we process all types of mortgages in Spain and we guarantee our clients the best market conditions for their mortgage.
Mortgage for foreign residents
Foreigners living in Spain can request a mortgage with the same features and conditions that resident Spaniards, and they can qualify for all types of mortgages from any bank.
Regarding the conditions of the mortgage, such as the term, he imported or the type of interest, are the same for all residents of Spain, regardless of their nationality.
Obviously all clients, foreign or not, have to meet the bank's requirements to be able to access a mortgage.
The conditions of the mortgage, as always, will depend on the Client's profile, the bank you go to to apply for the mortgage and the negotiation that the client is capable of carrying out.
At Valoracasa Inmobiliaria we take care of all the necessary steps for the client to obtain a mortgage in the best conditions.
Foreign mortgage Spain
We process your mortgage for free if you buy with us. Our advisors will take care of everything for you to get you the best mortgage and you will save a lot of time and money.
We will assign you a financial advisor who will accompany you throughout the process and will personally manage your mortgage and all the necessary documents.
Thanks to our free financial study We will inform you of all the steps and requirements to access a mortgage for foreigners in Spain.
In the advice we will inform you in detail about:
- Feasibility of the operation
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- Percentage to finance.
- Type of mortgage: fixed, mixed or variable.
- Monthly fee to pay.
- Term.
- Purchase expenses and mortgage expenses.
- Amount of input needed.
- Banking links: insurance, cards, etc.
Once we have made a profile, we will present the mortgage in several banking entities and we will negotiate the conditions for you, without you having to worry or waste your time.
We will inform you in real time and We will help you choose the mortgage that suits you best, accompanying you at all times and acting as a direct link with the banks.
We act as intermediaries with the main banking entities and we assure you the best market conditions for your mortgage.
Our mortgage department will advise you for free about the different options according to your profile and will get you the highest purchase percentage at the lowest interest rate.
You decide how you want your mortgage. You just have to request your financial advice completely free of charge and our mortgage adviser will assist you.
We can advise you on telephone way so you don't have to scroll or in person at any of our offices.
Mortgage for Spaniards not resident in Spain
One of the main characteristics of mortgages for non-residents is that they give you a smaller amount and a shorter term than a resident:
- Shorter term: While resident mortgages can last up to 40 years, non-resident mortgages have a maximum term of 20 years.
- Less amount: In mortgages for residents, the bank usually finances between 50 and 70% of the lesser of the amounts between purchase and appraisal.
Online Banking and Traditional Banking
Fixed and Variable Mortgage
Advantages of a Young Mortgage
Characteristics of mortgages for people who want to buy a house in Spain from abroad
Before getting into the matter, it should be noted that all those foreign citizens who pay taxes in Spain will be able to request a “traditional” mortgage, since mortgages for non-residents do not depend on the nationality of the people who request them, but on where they pay their taxes, that is, where their tax residence is.
The rest, that is, both Spanish citizens who no longer reside in our country, and foreigners who do not have their tax residence in Spain, must request a non-resident mortgage.
Las Mortgage conditions for non-residents are usually more demanding than those of traditional ones.
For this reason, mortgages for non-residents usually have:
- Shorter amortization period: the maximum time to repay the mortgage is usually 20 years; 30 maximum, as in resident mortgages. Anyway, it will depend on the age of the client.
- Less financing percentage: The entity will lend, in most cases, 50% of the purchase price, although it can go up to 80% if the client has a good profile.
To contract a mortgage for non-residents, in the same way that it happens with the rest, Clients must prove that they have sufficient solvency and economic stability in order to be able to pay the installments.
As we have seen, when buying a home in Spain from abroad it is better to take out a mortgage in our country.
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