Buying and financing a home in Spain: guides for readers from the United Kingdom

Every guide below is written for people who live in the United Kingdom, in English, with the documents, taxes and steps that apply to you.

By topic

• Villa mortgage steps in Spain
• New-build mortgages in Spain
• Flat vs townhouse mortgages in Spain
• Non-resident mortgage timeline in Spain
• Mortgage mistakes to avoid in Spain
• Plot & Self-Build Mortgages in Spain
• Holiday home mortgage in Spain for UK buyers
• Retiring in Spain: mortgage age and approval
• Family Relocation Mortgage: Spain
• Buy-to-Let Mortgage in Spain
• Joint mortgages for couples in Spain
• Mortgage & Buying Costs in Spain
• How the bank valuation works in Spain
• Fixed, variable or mixed rate in Spain
• Sending UK funds to Spain for your mortgage
• UK documents to translate for a Spanish mortgage
• NIE and Spanish account: first steps
• How Spanish banks check UK buyers' income
• UK-Spain tax treaty and your mortgage
• Modelo 210: the annual tax return after buying
• Selling with a mortgage: the 3% withholding
• Spanish mortgage after inheritance
• The 90/180 rule for Spanish property buyers
• Golden Visa ended: what changes for buyers
• Age limits on Spanish mortgage terms
• Notary Day in Spain: What to Expect
• Survey or Valuation in Spain?
• Community Fees & Mortgage Approval in Spain
• Rural Finca Mortgages in Spain
• Fixer-Upper Mortgages in Spain
• Resale vs New Build Costs in Spain
• When to Start a Mortgage in Spain
• Agricultural Land Mortgages in Spain
• Local Branch or Online Lender in Spain?
• Why Non-Resident Mortgages Get Rejected
• Pre-Approval vs FEIN in Spain
• What Decides Your Spanish Mortgage Deposit
• Buying a Spanish Home via Power of Attorney
• What a Gestoría Does in Spain
• Repaying Early or Refinancing in Spain
• Mortgages for the Self-Employed in Spain
• Is life insurance compulsory for a Spanish mortgage?
• Buying in Spain via a company
• Spanish mortgage after divorce
• UK Home Equity vs Spanish Mortgage Deposit
• Spain rental licence & mortgage
• EU vs non-EU Spanish mortgage differences
• Which banks lend in Spain?
• Inherited money as your Spanish deposit
• Sell UK home first, or apply in parallel?
• Spain summer: mortgage and notary delays
• Mortgage in Spain: IGIC and purchase costs
• Spain mortgage budget: tourism tax
• Mortgage for a flat in Spain vs the coast
• Arras contract & mortgage approval in Spain
• Checking debts before a Spanish mortgage
• Licence problems blocking mortgages in Spain
• Does the Mortgage Study Commit You to Anything?
• Spanish property and your UK tax position
• Spanish mortgage with remote income
• Family gift deposits for a Spanish mortgage
• Green mortgages in Spain explained
• ITP transfer tax in Spain
• Golf & resort mortgages in Spain
• Luxury villa mortgage in Spain
• Pensions and Spanish mortgages
• Second Spanish mortgage in Spain
• IBI tax for non-resident owners in Spain
• Beach property in Spain: coastal law risks
• Flood Risk in Spain: Mortgage & Insurance
• Cadastral Value vs Price in Spain
• Euribor and Your Variable Spanish Mortgage
• Under-Declaring the Price: Mortgage Risks
• No Chain in Spain: Faster Mortgage Timeline
• Joint Mortgages for Unmarried Co-Buyers in Spain
• Utilities in Spain After Completion
• House-Hunting Trip to Spain
• Spanish Will After a Mortgage
• Managing a Spain Home Remotely
• Mortgage Subrogation in Spain
• VAT & Stamp Duty on New Builds in Spain
• CGT for Non-Resident Sellers in Spain
• Crypto Gains as a Mortgage Deposit
• Guarantor for a Spanish Mortgage
• UK Credit History & Spanish Mortgages
• How Much Can I Borrow? (Non-Residents)
• Inheritance Tax on Property in Spain
• Mortgage for a Historic Property in Spain
• Budgeting for a Mortgage in Spain
• English-Speaking Banks in Spain
• Off-plan mortgage drawdowns in Spain
• Mortgages on Repossessed Homes in Spain
• Marina berth mortgages in Spain
• Cash vs Mortgage Buyers in Spain
• Habitation Certificate & Mortgage in Spain
• Water Risk & New-Build Mortgages in Spain
• Mortgages on Former Timeshare Resorts in Spain
• Mortgages Near Natural Parks in Spain
• Island Mortgage Logistics: Trips to Spain

By area

Alicante

• Agricultural Land Mortgages in Alicante
• Alicante mortgage budget: tourism tax
• Flat vs townhouse mortgages in Alicante
• Arras contract & mortgage approval in Alicante
• How the bank valuation works in Alicante
• Buy-to-Let Mortgage in Alicante
• Buying in Alicante via a company
• Mortgage & Buying Costs in Alicante
• Alicante summer: mortgage and notary delays
• Mortgage mistakes to avoid in Alicante
• Community Fees & Mortgage Approval in Alicante
• Fixed, variable or mixed rate in Alicante

Almería

• Agricultural Land Mortgages in Almería
• Almería mortgage budget: tourism tax
• Flat vs townhouse mortgages in Almería
• Arras contract & mortgage approval in Almería
• How the bank valuation works in Almería
• Buy-to-Let Mortgage in Almería
• Buying in Almería via a company
• Mortgage & Buying Costs in Almería
• Almería summer: mortgage and notary delays
• Mortgage mistakes to avoid in Almería
• Community Fees & Mortgage Approval in Almería
• Fixed, variable or mixed rate in Almería

Barcelona

• Agricultural Land Mortgages in Barcelona
• Flat vs townhouse mortgages in Barcelona
• Arras contract & mortgage approval in Barcelona
• How the bank valuation works in Barcelona
• Barcelona mortgage budget: tourism tax
• Buy-to-Let Mortgage in Barcelona
• Buying in Barcelona via a company
• Mortgage & Buying Costs in Barcelona
• Barcelona summer: mortgage and notary delays
• Mortgage mistakes to avoid in Barcelona
• Community Fees & Mortgage Approval in Barcelona
• Fixed, variable or mixed rate in Barcelona

Castellón

• Agricultural Land Mortgages in Castellón
• Flat vs townhouse mortgages in Castellón
• Arras contract & mortgage approval in Castellón
• How the bank valuation works in Castellón
• Buy-to-Let Mortgage in Castellón
• Buying in Castellón via a company
• Mortgage & Buying Costs in Castellón
• Castellón summer: mortgage and notary delays
• Castellón mortgage budget: tourism tax
• Mortgage mistakes to avoid in Castellón
• Community Fees & Mortgage Approval in Castellón
• Fixed, variable or mixed rate in Castellón

Cádiz

• Agricultural Land Mortgages in Cádiz
• Flat vs townhouse mortgages in Cádiz
• Arras contract & mortgage approval in Cádiz
• How the bank valuation works in Cádiz
• Buy-to-Let Mortgage in Cádiz
• Buying in Cádiz via a company
• Mortgage & Buying Costs in Cádiz
• Cádiz summer: mortgage and notary delays
• Cádiz mortgage budget: tourism tax
• Mortgage mistakes to avoid in Cádiz
• Community Fees & Mortgage Approval in Cádiz
• Fixed, variable or mixed rate in Cádiz

Girona

• Agricultural Land Mortgages in Girona
• Flat vs townhouse mortgages in Girona
• Arras contract & mortgage approval in Girona
• How the bank valuation works in Girona
• Buy-to-Let Mortgage in Girona
• Mortgage & Buying Costs in Girona
• Buying in Girona via a company
• Girona summer: mortgage and notary delays
• Mortgage mistakes to avoid in Girona
• Community Fees & Mortgage Approval in Girona
• Fixed, variable or mixed rate in Girona
• Fixer-Upper Mortgages in Girona

Illes Balears

• Agricultural Land Mortgages in the Balearic Islands
• Flat vs townhouse mortgages in the Balearic Islands
• Arras contract & mortgage approval in the Balearic Islands
• How the bank valuation works in the Balearic Islands
• Buy-to-Let Mortgage in the Balearic Islands
• Mortgage & Buying Costs in the Balearic Islands
• Buying in the Balearic Islands via a company
• Illes Balears summer: mortgage and notary delays
• Mortgage mistakes to avoid in the Balearic Islands
• Community Fees & Mortgage Approval in the Balearic Islands
• Fixed, variable or mixed rate in the Balearic Islands
• Fixer-Upper Mortgages in the Balearic Islands

Las Palmas

• Agricultural Land Mortgages in Las Palmas
• Flat vs townhouse mortgages in Las Palmas
• Arras contract & mortgage approval in Las Palmas
• How the bank valuation works in Las Palmas
• Buy-to-Let Mortgage in Las Palmas
• Mortgage & Buying Costs in Las Palmas
• Las Palmas summer: mortgage and notary delays
• Buying in Las Palmas via a company
• Mortgage mistakes to avoid in Las Palmas
• Community Fees & Mortgage Approval in Las Palmas
• Fixed, variable or mixed rate in Las Palmas
• Fixer-Upper Mortgages in Las Palmas

Madrid

• Agricultural Land Mortgages in Madrid
• Flat vs townhouse mortgages in Madrid
• How the bank valuation works in Madrid
• Buy-to-Let Mortgage in Madrid
• Mortgage & Buying Costs in Madrid
• Madrid summer: mortgage and notary delays
• Buying in Madrid via a company
• Mortgage mistakes to avoid in Madrid
• Community Fees & Mortgage Approval in Madrid
• Fixed, variable or mixed rate in Madrid
• Fixer-Upper Mortgages in Madrid
• Joint mortgages for couples in Madrid

Murcia

• Agricultural Land Mortgages in Murcia
• Flat vs townhouse mortgages in Murcia
• Arras contract & mortgage approval in Murcia
• How the bank valuation works in Murcia
• Buy-to-Let Mortgage in Murcia
• Mortgage & Buying Costs in Murcia
• Murcia summer: mortgage and notary delays
• Buying in Murcia via a company
• Mortgage mistakes to avoid in Murcia
• Community Fees & Mortgage Approval in Murcia
• Fixed, variable or mixed rate in Murcia
• Fixer-Upper Mortgages in Murcia

Málaga

• Agricultural Land Mortgages in Málaga
• Flat vs townhouse mortgages in Málaga
• Arras contract & mortgage approval in Málaga
• How the bank valuation works in Málaga
• Buy-to-Let Mortgage in Málaga
• Mortgage & Buying Costs in Málaga
• Málaga summer: mortgage and notary delays
• Buying in Málaga via a company
• Mortgage mistakes to avoid in Málaga
• Community Fees & Mortgage Approval in Málaga
• Fixed, variable or mixed rate in Málaga
• Fixer-Upper Mortgages in Málaga

Santa Cruz de Tenerife

• Agricultural Land Mortgages in Santa Cruz de Tenerife
• Flat vs townhouse mortgages in Santa Cruz de Tenerife
• Arras contract & mortgage approval in Santa Cruz de Tenerife
• How the bank valuation works in Santa Cruz de Tenerife
• Buy-to-Let Mortgage in Santa Cruz de Tenerife
• Mortgage & Buying Costs in Santa Cruz de Tenerife
• Santa Cruz de Tenerife summer: mortgage and notary delays
• Buying in Santa Cruz de Tenerife via a company
• Mortgage mistakes to avoid in Santa Cruz de Tenerife
• Community Fees & Mortgage Approval in Santa Cruz de Tenerife
• Fixed, variable or mixed rate in Santa Cruz de Tenerife
• Fixer-Upper Mortgages in Santa Cruz de Tenerife

Tarragona

• Agricultural Land Mortgages in Tarragona
• Flat vs townhouse mortgages in Tarragona
• Arras contract & mortgage approval in Tarragona
• How the bank valuation works in Tarragona
• Buy-to-Let Mortgage in Tarragona
• Mortgage & Buying Costs in Tarragona
• Tarragona summer: mortgage and notary delays
• Buying in Tarragona via a company
• Mortgage mistakes to avoid in Tarragona
• Community Fees & Mortgage Approval in Tarragona
• Fixed, variable or mixed rate in Tarragona
• Fixer-Upper Mortgages in Tarragona

Valencia

• Agricultural Land Mortgages in Valencia
• Flat vs townhouse mortgages in Valencia
• Arras contract & mortgage approval in Valencia
• How the bank valuation works in Valencia
• Buy-to-Let Mortgage in Valencia
• Mortgage & Buying Costs in Valencia
• Valencia summer: mortgage and notary delays
• Buying in Valencia via a company
• Mortgage mistakes to avoid in Valencia
• Community Fees & Mortgage Approval in Valencia
• Fixed, variable or mixed rate in Valencia
• Fixer-Upper Mortgages in Valencia

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