Insights & Market Updates
Clear thinking on Spanish mortgages, every quarter.
Practical guides for international buyers. Updates on Spanish mortgage rates, non-resident lending rules and the moves that shape the market. Written by Maaike, in plain language, for people who’d rather understand than be impressed.
Spanish mortgage rates outlook 2026 – fixed, variable, ECB
A composed read on where Euribor sits today, what the ECB has signalled for the rest of 2026, and how the spread between fixed and variable shifts the right choice for non-resident buyers.
HNW mortgages in Spain – holding structures, private banking, and why they’re different
When property is purchased through a Spanish SL, an international holding company or private banking financing, standard mortgage rules no longer fully apply. An overview of what changes and why discretion matters.
How much deposit do non-residents really need for a Spanish mortgage in 2026
Most Spanish lenders cap non-resident loans at 60–70% LTV - meaning a deposit of 30–40% of the property value, plus closing costs of around 10–12%. But that headline number is only half the story.
Mortgage broker vs Spanish bank direct – the honest comparison
Going to your local Spanish bank directly is tempting - especially when you already have an account there. Here is when that’s the right call, and when one application across twenty banks saves both time and money.
Buying property in Spain as a foreigner – the full process
Going to your local Spanish bank directly is tempting - especially when you already have an account there. Here is when that’s the right call, and when one application across twenty banks saves both time and money.
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