Non-residents can get a mortgage in Spain, typically for up to 60-70% of the purchase price, with income documented from their home country. We compare more than twenty banks and negotiate the terms, in English, free of charge; our fee applies only if you sign.
Spanish banks do lend to non-residents, but with their own rules: a bigger deposit, foreign income to document, and conditions that vary a lot from bank to bank. We compare 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 are buying a property in Cuevas del Almanzora (Almería) while living in another country, the mortgage works differently from the one a Spanish resident gets. Banks usually finance a smaller share of the price, ask for income proof from your home country (tax returns, payslips, bank statements) translated where needed, and each bank has its own view of which countries and currencies it is comfortable with. Interest rates and fees also vary widely, and the first offer is rarely the best one. Colibrí Finances is a mortgage intermediary registered with the Bank of Spain (E480). We prepare your file once, present it to the banks that best fit a non-resident profile, compare the offers on the same basis and negotiate the conditions. The study is free and without obligation; our fee is only charged if you sign the mortgage, and we put it in writing before you decide. The whole process is handled in English, including the coordination with the notary and your Spanish tax number (NIE).
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.
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Typically 60-70% of the purchase price or valuation, whichever is lower, so you need the rest plus purchase costs (around 10-13% in most regions). It varies by bank and profile.
Passport and NIE, proof of income from your country (tax returns, payslips or company accounts), recent bank statements and a credit report if available. We send you the exact list for your case.
Yes, the mortgage is paid from a Spanish account. We help you open it as part of the process.
No. The study and the comparison are free. Our fee is only charged if you sign the mortgage, and you know it 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.