Mortgage Calculator Spain & Portugal
What will your mortgage cost as a non-resident? Run purchase price, equity and costs in two minutes.
About this calculator
The calculator gives a first orientation for financing in Spain or Portugal. It reflects the different purchase costs: around 11 percent in Spain, around 9 percent in Portugal.
The result is an estimate, not an offer. For firm terms I review your documents and request quotes from Spanish and Portuguese banks.
A quick estimate — what does your mortgage cost?
A first orientation for your financing plan. For an individual offer, contact me directly.
Your financing & total-cost overview (estimate)
- Monthly payment—
- Loan amount—
- LTV—
- Purchase costs—
- Total investment—
- Equity required—
- Total interest over the term—
- Total cost over the term—
⚠️ Estimate, no guarantee. Spain: max. 70 %, Portugal: max. 80 % LTV for non-residents. Costs = purchase costs (taxes, notary, land registry, lawyer, NIE/NIF). Total cost = equity + purchase costs + all payments over the term. For a binding offer, contact me.
FAQ
How much equity do I need in Spain?
Banks usually finance 60 to 70 percent of the purchase price for non-residents. You cover the rest plus costs from equity.
Are costs the same in Spain and Portugal?
No. Around 11 percent of the price in Spain, around 9 percent in Portugal. The calculator separates both.
Does the calculator replace an offer?
No. It frames your numbers. The binding offer comes from the bank after I review your documents.