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Spanish Mortgage
Made Simple
Get your free pre-approval in 24 hours. Compare offers from Spain's leading banks. Expert guidance through the entire mortgage process.
Why Spainora × Habeno?
We've partnered with Habeno, Spain's leading mortgage broker, to give you the best possible financing experience.
Bank Comparison
Compare mortgage offers from Spain's top banks including Sabadell, CaixaBank, Santander, and more. Get the best rate for your situation.
Expert Coordination
Habeno handles everything: bank negotiations, document verification, valuations, and notary coordination. You focus on finding your dream home.
Tailored Solutions
Whether you're a first-time buyer, investor, or purchasing a new development, Habeno finds the right financing solution for your unique needs.
How It Works
From pre-approval to key handover in four simple steps.
Get Pre-Approval
Fill out a simple form to check your borrowing capacity. Habeno reviews your situation and provides a clear answer within 24 hours.
Upload Documents
Once you've found a property, submit your financial documents through a secure portal. Habeno guides you through exactly what's needed.
Compare Offers
Receive mortgage offers from multiple Spanish banks. Habeno negotiates on your behalf and explains each option clearly.
Close the Deal
Habeno coordinates the valuation, legal checks, and notary appointment. You sign at the notary and receive your keys.
Who Can Get a Spanish Mortgage?
Spanish banks welcome international buyers. Here are the typical requirements.
General Requirements
- EU, UK, or accepted international passport
- Stable income (employment or self-employed)
- Debt-to-income ratio below 30-35%
- Clean credit history
- Deposit of 30-40% (non-residents)
Documents Checklist
- Valid passport or national ID
- Last 3 months payslips or tax returns
- Bank statements (3-6 months)
- Employment contract or company accounts
- Proof of deposit funds
Mortgage Costs & Fees
Transparent pricing with no hidden surprises. Habeno provides a full breakdown before you commit.
Mortgage Fees
- Arrangement fee0.5-1.5%
- Property valuation€300-€500
- Notary fees€600-€1,000
- Mortgage registration (AJD)0.5-1.5%
Interest Rates
Predictable payments. Rate locked for 10-30 years.
Lower initial rate. Adjusts annually with Euribor.
Fixed for 5-10 years, then switches to variable.
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Why Buyers Choose Habeno
Expert Advisors
Multilingual mortgage specialists
Bank Network
Access to all major Spanish banks
No Hidden Fees
Transparent pricing, no surprises
Success-Based
Only pay when your mortgage closes
Ready to Check Your Options?
Get your free, non-binding pre-approval in just 24 hours. Discover how much you can borrow and at what rate.