Spanish banks for your mortgage — which ones finance non-residents?
The Spanish mortgage market has far more lenders than the three household names. Here are the 31 most important — from the big banks to the regional cooperatives — with what matters when financing a non-resident purchase.
In short
Which Spanish banks lend to non-residents?
Above all CaixaBank (HolaBank) and the specialist UCI, plus Santander, Sabadell, Bankinter, Abanca and Deutsche Bank España. Which one fits depends on your profile, the property and the region.
How much do they lend?
For non-residents typically up to around 70% loan-to-value of the lower of purchase price and Tasación; the rest plus purchase costs is the buyer's equity.
Spanish mortgage: did BBVA take over Sabadell?
No — the takeover failed in October 2025. BBVA and Banco Sabadell are two independent banks.
Which Spanish banks finance non-residents?
Perini compares 45 banks in Spain and Portugal (31 Spanish, 14 Portuguese) and approaches 15–20 suitable lenders per case. The Spanish houses fall into groups: the large branch banks and former cajas (CaixaBank with its HolaBank non-resident programme, Banco Santander, BBVA, Banco Sabadell, Bankinter, Unicaja, Abanca), cooperative institutions (Grupo Cajamar, the Cajas Rurales), direct and neobanks (ING with the "Hipoteca Naranja", Openbank, MyInvestor) and foreign or specialised lenders (Deutsche Bank España with German-language service, UCI as the cross-border mortgage specialist). The most active for non-residents are CaixaBank, UCI, Santander, Sabadell, Bankinter, Abanca and Deutsche Bank España. Non-residents are usually financed at a lower loan-to-value than residents. Which one offers the best terms depends on credit profile, property, equity and region — not on the best-known name, but on a direct comparison after the credit review.
Not the brand decides, but the bank that fits
As an independent broker I compare and negotiate with the right banks for you. Which lender suits your plan depends on credit standing, equity, property type and region — not on the best-known name. Spanish banks typically finance non-residents up to 70 % of the lower of purchase price and tasación; the actual rate ranges are on mortgage rates Spain.
Which institution writes a specific special case is part of the mandate and is not listed here. This is a market overview, not a commitment from any particular bank.
The five big lenders
The big banks have established non-resident programmes, broad product ranges and usually a German- or English-speaking international desk.
- Banco Santander — largest bank in Spain; own non-resident programme, international desk.
- BBVA — second-largest lender; its bid for Banco Sabadell failed in October 2025, both remain independent.
- CaixaBank — largest domestic retail bank (absorbed Bankia in 2021); runs "HolaBank" for foreign buyers.
- Banco Sabadell — independent after rejecting BBVA's bid; active non-resident desk.
- Bankinter — strong for non-residents; currently integrating its digital arm EVO Banco.
Further nationwide lenders
The consolidation of the Spanish savings banks (cajas) produced strong nationwide retail banks — often more conservative on loan-to-value, but with keen fixed rates for established profiles.
- Unicaja Banco — fifth-largest domestic lender, from the 2021 merger with Liberbank.
- Ibercaja Banco — Aragón-based retail bank, a former caja.
- Abanca — Galician bank, active for non-residents; acquired Targobank España.
- Kutxabank — Basque group, owner of the Cajasur brand.
- Cajasur — Andalusian retail brand of Kutxabank.
- Grupo Cooperativo Cajamar (BCC) — Spain's largest cooperative banking group.
- Banca March — private bank with Balearic roots, strong in the premium and non-resident segment.
- Laboral Kutxa — Basque cooperative bank.
Digital lenders
Direct banks score with lean processes and sometimes very good online terms — for non-residents the reachability of an international desk is what counts.
- ING España — leading direct bank, expat-friendly ("Hipoteca Naranja").
- Openbank — digital bank of the Santander group.
- imagin — digital brand of CaixaBank (lending booked via CaixaBank).
- Pibank — digital bank of Banco Pichincha España.
- MyInvestor — neobank (Andbank, AXA, El Corte Inglés Seguros); non-resident mortgages too.
- EVO Banco — digital brand, being integrated into Bankinter.
International lenders and specialists
Often the decisive group for non-residents: lenders with German-/English-speaking service, cross-border experience or a mortgage focus.
- Deutsche Bank España — German-language service, active for non-residents.
- UCI (Unión de Créditos Inmobiliarios) — mortgage specialist (Santander/BNP Paribas joint venture), strong cross-border.
- Targobank España — sold by Crédit Mutuel to Abanca; brand being merged into Abanca.
- Banco Mediolanum — advisory-led bank of the Italian Mediolanum group.
- Andbank España — private bank (Andorra) for high-net-worth and non-resident clients.
- Triodos Bank España — ethical/sustainable bank, residential mortgages too.
Professional-sector and regional lenders
Regional cooperative and professional banks often finance particularly solid profiles at attractive fixed rates — regionally tied, but a real argument in a comparison.
- Caja de Ingenieros (Caixa d'Enginyers) — cooperative credit bank for the professions.
- Arquia Banca — professional bank (originally architects).
- Banco Caminos — bank of the engineering and professional sector (incl. Bancofar).
- Grupo Caja Rural / Banco Cooperativo Español — central bank of the rural cooperatives.
- Caja Rural de Navarra · Caja Rural de Granada · Caja Rural del Sur · Caja Rural de Asturias — regional cooperative banks.
- Globalcaja (Castilla-La Mancha) · Eurocaja Rural (Toledo) · Bantierra (Aragón) · Cajaviva Caja Rural (Burgos) · Caixa Popular (Valencia) — further regional lenders.
Strongest for non-residents: CaixaBank (HolaBank) and UCI as the purpose-built specialists, plus Banco Santander, Banco Sabadell, Bankinter, Abanca and Deutsche Bank España as reliable cross-border lenders. Which one offers the best terms in your case, I check in a direct comparison after the credit review.