Mortgage Matters Spain

28/07/2026

🏡 Buying a property in Spain? Start your mortgage process before you arrive.

A Mortgage Agreement in Principle helps you understand your budget and shows sellers you're a serious buyer.

✔️ Organise your finances in advance.
✔️ Know how much cash you'll need.
✔️ Spanish banks assess affordability based on your debt-to-income ratio.
✔️ You can often secure mortgage approval before finding your property.

Planning ahead saves time, reduces stress and puts you in a stronger position when making an offer.

📩 Contact Mortgage Matters Spain to explore your mortgage options.

08/07/2026

🏡 How can you obtain a Mortgage Agreement in Principle from a Spanish bank?

If you're planning to buy a property in Spain, the mortgage process should begin before you even arrive.

A Mortgage Agreement in Principle helps you understand your budget and shows sellers that you're a serious buyer when you find your ideal home.

Here are a few things to keep in mind:

✔️ Arrange your finances well in advance.
✔️ Know how much cash you'll need for your purchase.
✔️ Spanish banks assess affordability based on your debt-to-income ratio, rather than salary multiples.
✔️ In many cases, you can secure mortgage approval before finding your dream property, giving you greater confidence when making an offer.

Planning ahead can save time, reduce stress and put you in a much stronger position throughout your property search in Spain.

📩 Get in touch with Mortgage Matters Spain to discuss your mortgage options and let us help you make your Spanish property dream a reality.

23/06/2026

Buying a property in Spain? 🇪🇸🏡

One of the biggest decisions is where to get your mortgage from — your home country or a Spanish bank.

In most cases, a mortgage in Spain for foreigners is the smarter option:

✔ Lower and more competitive rates 📉
✔ Simpler legal structure 📑
✔ Your property and debt under the same jurisdiction ⚖️
✔ Easier approval process for non-residents 🤝

Fixed rates in Spain are currently around 3% or lower for strong profiles 📊

Thinking of buying in Spain? Send us a message! 📩

08/05/2026

Fixed or variable mortgage in Spain? 🤔🇪🇸

It’s one of the questions we get asked most often by clients buying property in Spain — and the answer depends entirely on your plans and priorities.

• 🔒 Fixed rate: stable monthly payments and long-term certainty
• 📈 Variable rate: more flexibility and lower early repayment costs
• ⚖️ Mixed mortgage: fixed initially, then variable later on

Nearly two thirds of new mortgages in Spain are currently fixed rate, but that doesn’t automatically make it the right option for everyone.

Your ideal mortgage depends on your financial situation, your risk appetite, how long you plan to keep the property, and your future exit plans.

We help clients understand the differences clearly before making a decision.

👉 Get in touch with us if you’d like to discuss your options for a property purchase in Spain!

05/05/2026

Relocating from Dubai to Spain? 🇦🇪🔜🇪🇸

We help UAE-based clients secure mortgages in Spain with clarity and confidence — making your move as smooth as possible.

•⁠ ⁠🇪🇸 Assistance for your property anywhere in Spain
•⁠ ⁠🏦 Access a wide range of Spanish mortgage options
•⁠ ⁠🌍 Support for UAE-based and international buyers

Mortgages made simple, wherever you’re moving from.

👉 Get in touch with us if you’d like more information!

MortgageInSpain

22/04/2026

Thinking of buying in La Costa Blanca (Valencia & Alicante)? 🏡

We work directly with all major lenders, giving you access to the best mortgage options in Spain, wherever you’re looking.

• 🏠 Buy in Costa Blanca, mainland or islands
• 🏦 Access a wide range of mortgage options
• 🌍 Support for foreign buyers across Spain

Mortgages made simple, wherever you buy.

Check our new blog post about Spanish Mortgage for property in Costa Blanca

👉Get in touch with us if you’d like more information!

27/03/2026

“Sorry, at 65 you can’t get a mortgage in Spain.” ❌

That’s what our clients were told…

👉 Weeks later, we secured them a mortgage:

🏡 Purchase Price: €435,000
💰 Mortgage: €200,000
📆 Term: 10 years
📉 Fixed Rate: 2.3%

In Spain, one “no” doesn’t mean it’s impossible. Every bank sees things differently — and the key is knowing how to present the case and where to take it 🔑

25/03/2026

Our lovely clients Ihor & Olena are delighted with completing on their new Spanish property!🏠🇪🇸

13/03/2026

Are you paying too much on your
Spanish mortgage? 🏡

It might be worth considering a refinance if:

• 📈 Your interest rate is higher than current rates
• 🔒 You would prefer the stability of a fixed rate
• 💶 You want to lower your monthly payments

Get in touch with us if you’d like more information
about refinancing!

27/02/2026