Foreigners living and working in Spain with a NIE can get a mortgage on similar terms to Spanish residents, often up to 80% of the price with a permanent contract. We compare more than twenty banks in English; the study is free and our fee applies only if you sign.
Living and working in Spain puts you close to the conditions a Spanish buyer gets, but banks still ask questions about your contract, your residence permit and your credit history. We answer them for you.
Average sale price in Cuevas del Almanzora according to the Spanish notaries' statistics (septiembre de 2026). Guide only.
Our own figuresWhat we report to the Bank of Spain. As a registered intermediary (E480) we report every six months the mortgages our clients signed. In the first half of 2026: 30 mortgages for €5.398.500 of capital (average €179.950). Figures from our own filing, updated 2026-09-06.
If you have a NIE, a job in Spain and file your taxes here, most banks will treat you close to a Spanish resident when you buy in Cuevas del Almanzora (Almería): financing can reach 80% of the price for a main home, and the rates are the standard ones. The friction is elsewhere: a short credit history in Spain, a residence permit with an expiry date, a temporary contract, income partly earned abroad, or a bank clerk who simply has not handled your case before. Each bank weighs these differently, and the difference between two offers can be thousands of euros over the life of the loan. Colibrí Finances is a mortgage intermediary registered with the Bank of Spain (E480). We prepare your file, present it to the banks that best fit your situation, compare the offers and negotiate. Free study, no obligation, everything in English; our fee is charged only if you sign, and you know it in writing before deciding.
Colibrí Finances is a brand of Pisok Nuevo Hogar S.L. (Spanish tax ID B55451223), a real-estate credit intermediary registered with the Bank of Spain under number E480 (Spanish Law 5/2019). We work with more than twenty banks and negotiate on your behalf, in English.
Tell us about your job, your residence status and the property. A free, no-obligation study in English.
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Often yes, for a main home and with a stable contract. It depends on the bank and your profile; that is exactly what we compare.
Banks look at its type and expiry date. A permanent or long-term permit is simplest; with a temporary one some banks still lend. We know which.
It can usually be counted if it is documented. We tell you which banks accept it and what proof they need.
Nothing. Our fee is only charged if you sign the mortgage, and it is put in writing beforehand.
Nothing. The study and the comparison are free. You can receive our proposals, compare them with your own bank and say no.
The study is free. Our fee as an intermediary is only charged if you sign the mortgage we arrange for you, and we put it in writing before you decide.
No, and be wary of anyone who promises that. What we do is present your case, properly prepared, to the banks that best fit your profile, and negotiate the terms.