Spain Mortgage Calculator 2026
Calculate your monthly payment, total costs, and upfront fees when buying property in Spain
🏠 Property Details
Full asking / agreed price
Most Spanish banks require 20-30% for non-residents
New-build (developer) or resale determines which tax applies
ITP (transfer tax) rates vary by region for resale properties
🏦 Mortgage Details
Average fixed rate ~3.0-3.5% in 2026
Typical: 20-30 years
Affects max LTV and some costs
~EUR300-600/yr, often required by banks
~EUR250-500/yr, typically mandatory
📊 Your Mortgage Summary
Monthly Mortgage Payment
EUR0
Mortgage Amount
EUR0
Your Deposit
EUR0
📋 Total Upfront Costs
Everything you need to pay on top of the purchase price, plus your deposit
| Cost Item | Amount |
|---|
📈 Over the Full Mortgage Term
Non-residents: Spanish banks typically lend up to 60-70% LTV (loan-to-value) for non-residents, compared to 80% for residents. You will also need a NIE number and a Spanish bank account before applying. The mortgage approval process usually takes 4-8 weeks.
Transferring your deposit to Spain? Save up to 8x on international transfers.
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Disclaimer: This calculator provides estimates based on typical Spanish mortgage terms and tax rates as of early 2026. Actual costs may vary depending on the bank, notary, specific municipality surcharges, and your personal circumstances. ITP rates shown are base rates — some regions apply graduated scales based on purchase price. Always consult a qualified mortgage broker or gestoría before making financial decisions. This tool is for general planning purposes only.