Mortgage Spain & Portugal for Non-Residents — Checklist
Which documents do you bring to the bank? Two compact PDF checklists for Spain and Portugal, free.
Which documents do I need as a non-resident — what belongs on the checklist?
For a mortgage in Spain or Portugal, banks require a fixed set of documents from non-residents: proof of income for the last two to three months (employees: payslips and employment contract; the self-employed: two annual financial statements), recent bank statements, proof of equity, the foreign tax number — the NIE in Spain, the NIF in Portugal — and the preliminary contract (contrato de arras in Spain, CPCV in Portugal). The two PDF checklists bundle exactly this list to tick off, together with the key facts on loan-to-value, equity and purchase costs and an overview of which banks finance non-residents at all. If one building block is missing, it is rarely “the bank” that declines — usually it is just the wrong bank, and the choice among several houses is what decides.
The checklists summarise what banks in Spain and Portugal require from non-residents: proof of income, proof of equity, NIE or NIF, preliminary contract.
Choose Spain, Portugal or both. You receive the PDFs by email.
This checklist complements the property purchase process — that page covers the order, this one the documents.
Mortgage checklist Spain & Portugal — what do I bring to the bank?
Two compact PDF checklists for your mortgage in Spain or Portugal: all documents, key facts and conditions June 2026 — straight from practice. Choose Spain, Portugal or both countries.
Already concrete? Get the self-disclosure form (DE/EN) via a quick form.
What you get:
- Mortgage key facts · LTV, equity, costs, rates June 2026
- Bank list · which banks finance non-residents
- Document checklist · to tick off before you go to the bank
- Special case · German property as security for 100 % financing