Buy property on the Costa Blanca: real cases from practice with a Spanish mortgage for non-residents
Anonymised examples of how buyers arranged a mortgage and financed their property on the Costa Blanca. Not every lender treats variable income components the same way, and some accept foreign rental income only with a discount.
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 a business sale, rental income, bonus payments, variable pay and earnings from two countries. Not every lender treats variable components the same way, and some accept foreign rental income only with a discount, so the right bank matters more than negotiating terms.
From our practice
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.
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: House in Benissa
Buying property after a larger inheritance
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 life (Costa Blanca)
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 (Costa Blanca)
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 life (Costa Blanca)
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 life (Costa Blanca)
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 life (Costa Blanca)
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 (Costa Blanca)
Modern new-build or nearly new existing apartments also 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 (Costa Blanca)
For the transition into retirement in particular, balanced financing is often more sensible than the full use of existing assets.
Frequently asked questions
How much can non-residents borrow?
In Spain, 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.
Do banks accept foreign rental income for a mortgage on the Costa Blanca?
Some lenders accept foreign rental income only with a discount. Not every lender treats variable income components the same way, so the right bank matters more than negotiating terms.
How much is the ITP when buying a property on the Costa Blanca?
The ITP in the Valencia region is 9 %, rising to 11 % for higher-value properties. These purchase costs are borne by the buyer from their own funds.
Which income situations do the Costa Blanca case reports document?
The documented cases include a business sale, rental income, bonus payments, variable pay and earnings from two countries.
A similar situation in Spain? Let's talk.
Every financing in Spain is an individual case. In a free initial consultation I will tell you honestly what is feasible and which bank fits. The initial consultation is free and without obligation; on completion you pay 1 % of the loan amount (no VAT) — no bank commission. What we charge.
Anonymised 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
Related pages
What we charge
Mortgage advisor in Spain: our fee is 1 % of the loan actually arranged, payable only on success. No IVA, no upfront payment, no handling charge.
ITP of 9 %
Buying a property on the Costa Blanca: Dénia, Jávea, Calpe, Altea, Torrevieja. Mortgages for non-residents, up to 70 % loan-to-value, ITP 9 %.
Spain Portugal Mortgage Case Reports — from practice
Anonymised case reports on property financing in Spain and Portugal for non-residents — real processes of German-speaking buyers, by region and intent. Brokered under § 34i GewO.
Buying a property on the Costa de Valencia — financing cases from practice
For non-residents, the loan-to-value ratio is up to 70 % of the lower of the purchase price and the tasación, meaning around 30 % equity.
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Anonymised case reports on financing in the Algarve for non-residents in Portugal: how much a Portuguese bank lends, and why the valuation decides it.
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Anonymised case reports on financing in Gran Canaria for non-residents in Spain: whether the German home has to be sold, and what the island tax is.
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Anonymised case reports on financing in Madeira for non-residents in Portugal: what taxes and acquisition costs come to, and how buyers planned them.
Buy property in Tenerife — real cases from practice
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See all mainland Portugal case reports
Anonymised case reports on property financing in mainland Portugal for non-residents: how buyers financed their property in practice. Brokered under § 34i GewO.
Practical case Tenerife: Exclusive villa in Costa Adeje
The dream of year-round life on the Canary Islands
Penthouse on the Orihuela Costa
Anonymised case study: Penthouse in good condition, newly fitted: €462,800 loan for Orihuela Costa. Financing for non-residents.
Content by Siegfried Perini — local brand representative since 2019, active in real estate since 1992, entered in the German intermediary register (§ 11a GewO) as a person directly involved in brokerage and advice. Point of contact for German-speaking buyers in Spain and Portugal. Brokerage by Olga Nikushkina, mortgage credit intermediary under § 34i German Trade Regulation (GewO); in Portugal through a locally licensed intermediary.