Buy property on the Costa Blanca — real cases from practice
Anonymised examples of how buyers arranged a mortgage and financed their property on the Costa Blanca.
In short
How much can non-residents borrow?
Banks finance non-residents up to a fixed share of the bank or purchase value depending on country and profile; the remainder plus acquisition costs is equity.
What decides the case here?
The structure of income more than the property: rental income needs a track record, and bonuses and variable pay count differently from one bank to the next.
What does the consultation cost?
The initial consultation is free and without obligation; on completion you pay 1 % of the loan amount (no VAT) — no bank commission.
Across the 14 financings documented here, purchase prices ranged from €438,000 to €1,460,000. Every figure appears in the individual case report.
How much does income structure matter on the Costa Blanca?
On the Costa Blanca the income side decides more often than the property. The documented cases include proceeds from a business sale, ongoing rental income, bonus payments, variable pay and earnings from two different countries. Such structures determine which bank will even run the numbers. Not every lender treats variable components the same way, and some accept foreign rental income only with a discount. Choosing the right bank matters more here than negotiating the terms. A second pattern stands out: a striking number of buyers choose an existing property in Alicante, El Campello or Villajoyosa rather than a new build. Purchase prices in the documented cases range from 438,000 to 1,460,000 euros. In the Valencia region the transfer tax is 9 percent, rising to 11 percent for higher-value properties. For non-residents, lending in Spain is usually between 60 and 70 percent of the valuation.
Property financing on the Costa Blanca
The following case reports show, in anonymised form, how different situations on the Costa Blanca were financed for non-residents. Creditworthiness, the property and the bank's loan-to-value are always decisive.
From our practice
Practical case Costa Blanca: Penthouse in Altea
The proceeds from a company sale as a solid basis
Practical case Costa Blanca: Detached house in Dénia
Realising the dream of a home with existing rental income
Practical case Costa Blanca: Villa in Jávea
When a gift eases the path to a home in Spain
Practical case Costa Blanca: Villa in Calpe
When bonus payments and variable income are correctly assessed
Practical case Costa Blanca: New-build villa in Finestrat
Buying early and making sensible use of the construction phase
Practical case Costa Blanca: Villa in Albir
When two incomes from different countries come together
Benidorm: Financing a modern apartment with a sea view for a permanent centre of
Anyone who wants to use a home in Benidorm permanently should not focus solely on the purchase price.
Alicante: city apartment with historic flair and comfort
In city-centre locations in Alicante in particular, a close look at existing properties is worthwhile.
El Campello: Financing a detached house near the beach for a permanent centre of
A well-kept existing house in El Campello often offers a very good ratio between living quality and location.
Villajoyosa: Financing a townhouse near the old town for a permanent centre of l
Existing properties in Villajoyosa often offer an attractive combination of location, charm and living quality.
Guardamar del Segura: Financing a villa near the dunes for a permanent centre of
Buyers with an entrepreneurial background in particular do not have to invest all their equity in a property.
Orihuela Costa: Financing a modern penthouse for a permanent residence
Modern new-build or nearly new existing apartments too often cause additional investment before they fully match one's own living wishes.
Torrevieja: Financing a terraced house for a new start on the Mediterranean
For the transition into retirement in particular, balanced financing is often more sensible than the full use of existing assets.
Frequently asked about financing on the Costa Blanca
How much can non-residents borrow?
What does the consultation cost?
A similar situation in Spain? Let's talk.
Every financing in Spanien is an individual case. In a free initial consultation I will tell you honestly what is feasible and which bank fits.
Book a free consultationAnonymised individual case, not a binding statement for other projects · Siegfried Perini for the owner Olga Nikushkina · §34i GewO · no tax or legal advice · no financing commitment; conditions depend on creditworthiness, loan-to-value and bank