{"id":1021,"date":"2026-04-21T19:49:33","date_gmt":"2026-04-21T17:49:33","guid":{"rendered":"https:\/\/hipotecanova.es\/servicios\/hipoteca-no-residentes\/"},"modified":"2026-07-21T00:51:43","modified_gmt":"2026-07-20T22:51:43","slug":"mortgages-for-non-residents","status":"publish","type":"page","link":"https:\/\/hipotecanova.es\/en\/services\/mortgages-for-non-residents\/","title":{"rendered":"Mortgages for non-residents"},"content":{"rendered":"\n
\n

Mortgages for non-residents<\/h1>\n\n\n

At Hipoteca Nova we specialise in mortgages for non-residents in Spain, helping international clients buy property with financing tailored to their situation.<\/p>\n\n\n\n

We know the process is different when you don\u2019t reside in the country. That\u2019s why we support you at every step so you can access a mortgage for non-residents clearly and securely.<\/p>\n\n\n\n

Buy in Spain with confidence, even if you live abroad.<\/p>\n\n\n\n

\n
Simulate your mortgage for free<\/a><\/div>\n<\/div>\n<\/div>
\"hipotecanova_broker_hipoteca_no_residentes_pareja_2\"<\/figure><\/div>\n<\/div>\n\n\n\n
\n

A mortgage in Spain, even if you live in another country<\/strong><\/strong><\/strong><\/h2>\n\n\n\n

Getting a mortgage for non-residents in Spain requires understanding both the Spanish financial system and your situation abroad.<\/p>\n\n\n\n

At Hipoteca Nova we work as mortgage brokers specialising in international profiles:<\/p>\n\n\n\n

\n
\n<\/use><\/svg>\n\n\n\n

We analyse your income earned abroad<\/strong><\/p>\n<\/div>\n\n\n\n

\n<\/use><\/svg>\n\n\n\n

We adapt the documentation to Spanish requirements<\/p>\n<\/div>\n\n\n\n

\n<\/use><\/svg>\n\n\n\n

We select institutions that work with non-residents<\/p>\n<\/div>\n\n\n\n

\n<\/use><\/svg>\n\n\n\n

We negotiate terms tailored to your profile<\/p>\n<\/div>\n<\/div>\n\n\n\n

Because it\u2019s not just about applying for a mortgage, but knowing how to make it viable.<\/p>\n<\/div>\n\n\n\n

\n

At Hipoteca Nova we help international clients buy property in Spain every year.<\/p>\n\n\n\n

We know that accessing a mortgage for non-residents in Spain is different from doing so as a resident. There are more requirements, more analysis and more variables to consider.<\/p>\n\n\n\n

That\u2019s why we work as specialised brokers, guiding you through the entire process so you can obtain a mortgage for non-residents clearly, safely and tailored to your profile.<\/p>\n<\/div>\n\n\n\n

\n

What is a mortgage for non-residents<\/h2>\n\n\n\n

A mortgage for non-residents in Spain is a type of financing aimed at people who do not have their tax residence in the country but want to buy a home here.<\/p>\n\n\n\n

It may include:<\/p>\n\n\n\n

\n
\n<\/use><\/svg>\n\n\n\n

Foreigners who want to invest or have a second residence<\/p>\n<\/div>\n\n\n\n

\n<\/use><\/svg>\n\n\n\n

Spanish people living abroad<\/p>\n<\/div>\n\n\n\n

\n<\/use><\/svg>\n\n\n\n

International profiles with income in another country<\/p>\n<\/div>\n<\/div>\n\n\n\n

In all cases, the key is to adapt the transaction to the requirements of Spanish banks.<\/p>\n\n\n\n

\n
Calculate your mortgage<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
\n

What changes compared with a standard mortgage<\/h2>\n\n\n\n

Mortgages for non-residents in Spain have some important differences compared with traditional mortgages:<\/p>\n\n\n\n

\n
\n<\/use><\/svg>\n\n\n\n

Lower financing percentage (usually below 80%)<\/p>\n<\/div>\n\n\n\n

\n<\/use><\/svg>\n\n\n\n

Greater income analysis<\/p>\n<\/div>\n<\/div>\n\n\n\n

\n
\n<\/use><\/svg>\n\n\n\n

International documentation<\/p>\n<\/div>\n\n\n\n

\n<\/use><\/svg>\n\n\n\n

Specific conditions depending on the country of origin<\/p>\n<\/div>\n<\/div>\n\n\n\n

This makes it especially important to have a broker who understands this type of operation.<\/p>\n<\/div>\n\n\n\n

\n
\"\"<\/figure>
\n

The key is to adapt your profile to the bank<\/h2>\n\n\n\n

One of the biggest challenges in a mortgage for non-residents is that banks must analyse income generated outside Spain.<\/p>\n\n\n\n

As specialised brokers, at Hipoteca Nova:<\/p>\n\n\n\n