Spanish Mortgage FAQ: every question we answer
Each answer already lives on its own page, checked and sourced. This list gathers them in one place. Nothing here is new writing — every line links to where the full answer stands.
How do I find the answer to my mortgage question for Spain?
This page gathers every question we answer on property financing in Spain and Portugal in one place. Each one is already answered on its own page, checked and sourced — nothing here is new writing. Type a keyword into the search field, for example equity, non-resident, inheritance tax or construction phase, and the list shows at once which questions are covered. Every line links to the page where the full answer stands, and the section that page belongs to is named underneath, for example Buyers or the home page. That way you reach the page that actually deals with your question in one step, instead of working through the navigation. If your question is not here, ask it directly in the appointment or by WhatsApp to Siegfried.
All questions with their answer pages
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How do I find the answer to my financing question here?
Answer in section: Answer paths
What goes into an assets and liabilities statement for a Spanish mortgage?
Answer in section: Assets and liabilities statement
Can I finance a Spanish property with my French mortgage?
Answer in section: Buyers
As an Irish buyer, what is different about financing a home in Spain?
Answer in section: Buyers
Can a Dutch or Belgian buyer get a mortgage for a Spanish property?
Answer in section: Buyers
Should a Nordic cash buyer take a mortgage in Spain?
Answer in section: Buyers
Did Brexit change mortgage terms for British buyers in Spain?
Answer in section: Buyers
Why do US buyers struggle to get a Spanish mortgage — and how does it work?
Answer in section: Buyers
How large are the financings documented here?
Answer in section: Case reports
How much will a Portuguese bank lend on the Algarve?
Answer in section: Case reports
How do you finance a move to the Canaries in stages?
Answer in section: Case reports
How much does income structure matter on the Costa Blanca?
Answer in section: Case reports
What is different about financing a retirement home on the Costa Brava?
Answer in section: Case reports
Is it worth buying away from the well-known addresses near Valencia?
Answer in section: Case reports
Why budget the total outlay rather than the purchase price on the Costa del Sol?
Answer in section: Case reports
Do I have to sell my German home to buy on Gran Canaria?
Answer in section: Case reports
What do taxes and acquisition costs come to on Madeira?
Answer in section: Case reports
Where does the equity come from when buying on Mallorca?
Answer in section: Case reports
Will a Portuguese bank help finance the renovation of a period apartment?
Answer in section: Case reports
How long does a mortgage on Tenerife need to run?
Answer in section: Case reports
How does financing work when buying off-plan in Spain?
Answer in section: Case reports
Can I use an inherited property as equity for a Spanish purchase?
Answer in section: Case reports
Cash purchase or mortgage — which makes more sense in Spain?
Answer in section: Case reports
Can I finance the purchase and the renovation together in Spain?
Answer in section: Case reports
Can I get a Spanish mortgage in retirement?
Answer in section: Case reports
How do self-employed buyers finance a property in Spain?
Answer in section: Case reports
Which documents do I need as a non-resident — what belongs on the checklist?
Answer in section: Checklisten zum Kauf
Who is Perini Finance & Property and what does the service cost?
Answer in section: Facts
Who pays the broker — and how can the independence be checked?
Answer in section: FAQ
What should I know as a non-resident before buying property in Spain or Portugal?
Answer in section: Info
How does buying property in Portugal work, and in what order?
Answer in section: Info
How does buying property in Spain work — and in what order?
Answer in section: Info
Which source gives the right house price in Spain?
Answer in section: Info
Can I, as a non-resident, mortgage my paid-off property on the Balearics to buy the next one?
Answer in section: Info
How much capital gains tax do I pay when selling property in Spain as a non-resident?
Answer in section: Info
What is the CPCV when buying property in Portugal — and why is it risky?
Answer in section: Info
As a German family, do we pay Spanish inheritance or gift tax on a property in Spain?
Answer in section: Info
Can I get a mortgage on a finca classified as suelo rústico?
Answer in section: Info
Does Portugal's NHR tax regime still exist in 2026 — and what is IFICI?
Answer in section: Info
What IMT rate applies in Portugal for buyers without Portuguese tax residence?
Answer in section: Info
How much should I budget for purchase costs in Spain?
Answer in section: Info
What is a mixed mortgage (hipoteca mixta) in Spain — and what happens after the fixed phase?
Answer in section: Info
Do I have to report foreign assets to the Spanish tax office (Modelo 720)?
Answer in section: Info
What are current mortgage rates in Portugal for non-residents?
Answer in section: Info
What are current Spanish mortgage rates for non-residents?
Answer in section: Info
What do I need as a non-resident to get a mortgage in Spain?
Answer in section: Info
How do I apply for a Spanish NIE number as a German buyer?
Answer in section: Info
How do I get the Portuguese NIF number as a German?
Answer in section: Info
What do I need for a Portuguese mortgage as a non-resident?
Answer in section: Info
Which Portuguese banks finance non-residents?
Answer in section: Info
How do I find out what buyers really pay for a property in Spain?
Answer in section: Info
Do I need a rental licence to let a Spanish property short-term?
Answer in section: Info
How do self-employed buyers obtain a mortgage in Spain?
Answer in section: Info
Which Spanish banks finance non-residents?
Answer in section: Info
Spanish or German bank — which one finances my Spanish property?
Answer in section: Info
Does a Spanish bank finance the purchase price or its own valuation?
Answer in section: Info
Do Germans with a property in Spain pay wealth tax?
Answer in section: Info
Why take out a mortgage if I could pay cash?
Answer in section: Info
How much inheritance tax will I pay on my Spanish property?
Answer in section: Inheritance tax calculator
Who advises on the ground in Spain and Portugal?
Answer in section: Kurzprofil Berater
How realistic is my mortgage as a non-resident?
Answer in section: Mortgage readiness check
Who pays the instalments while a Spanish new-build goes up?
Answer in section: Neubau finanzieren
How do I finance off-plan instalments to a Spanish developer?
Answer in section: Neubau finanzieren
What happens to my instalments if the developer becomes insolvent?
Answer in section: Neubau finanzieren
Why will no Spanish bank pay off-plan instalments before completion?
Answer in section: Neubau finanzieren
What should you settle before signing an off-plan contract in Spain?
Answer in section: Neubau finanzieren
When do I need the mortgage approval before the notary appointment?
Answer in section: Neubau finanzieren
Can I get a Spanish new-build mortgage if I am not paid in euros?
Answer in section: Neubau finanzieren
How do I finance building a house on my own plot in Spain?
Answer in section: Neubau finanzieren
New-build or resale in Spain — which one costs me more?
Answer in section: Neubau finanzieren
Do I have to take over the developer's mortgage?
Answer in section: Neubau finanzieren
How much can a non-resident borrow for a property in Spain?
Answer in section: Non-resident mortgage Spain
What does arranging a mortgage in Spain or Portugal cost?
Answer in section: Our fee
Will a German bank finance a property abroad?
Answer in section: Overseas property mortgage
How does a cooperation with a mortgage broker in Spain work?
Answer in section: Partners
What does a mortgage in Portugal cost for non-residents?
Answer in section: Portugal mortgage calculator
How much are the purchase costs in Spain and Portugal?
Answer in section: Property purchase costs Spain
Which region in Spain or Portugal fits me?
Answer in section: Region finder
How much can I borrow in the different regions of Spain and Portugal?
Answer in section: Regions
How much transfer tax do I pay when buying property in the Algarve?
Answer in section: Regions
Barcelona property for sale: how do non-residents finance it?
Answer in section: Regions
How much transfer tax do I pay when buying in the Canary Islands?
Answer in section: Regions
How high is the transfer tax on the Costa Blanca?
Answer in section: Regions
How much transfer tax applies on the Costa Brava?
Answer in section: Regions
Costa del Sol property for sale: how do non-residents finance it?
Answer in section: Regions
How do non-residents finance a property purchase in Dénia?
Answer in section: Regions
How do non-residents finance a property purchase on Fuerteventura?
Answer in section: Regions
Do I pay transfer tax when buying property on Gran Canaria?
Answer in section: Regions
How high is the transfer tax when buying property on Ibiza?
Answer in section: Regions
Will a Spanish bank finance a house in Jávea for non-residents?
Answer in section: Regions
How do non-residents finance a property purchase on Lanzarote?
Answer in section: Regions
How do non-residents finance a property purchase in Lisbon?
Answer in section: Regions
How is transfer tax calculated on Madeira?
Answer in section: Regions
Can a non-resident get a mortgage for an apartment in Madrid?
Answer in section: Regions
How do non-residents finance a property purchase in Málaga city?
Answer in section: Regions
How high is the transfer tax when buying property on Mallorca?
Answer in section: Regions
How much transfer tax do I pay when buying property in Marbella?
Answer in section: Regions
Menorca property for sale: how do non-residents finance it?
Answer in section: Regions
How do non-residents finance a property purchase in Moraira?
Answer in section: Regions
How much property transfer tax is payable on the Costa Cálida?
Answer in section: Regions
How high is the transfer tax when buying property in Porto?
Answer in section: Regions
How high is the loan-to-value in Portugal for non-residents?
Answer in section: Regions
How much transfer tax applies when buying property on Tenerife?
Answer in section: Regions
How do non-residents finance a property purchase in Torrevieja?
Answer in section: Regions
How high is the transfer tax when buying property in Valencia?
Answer in section: Regions
What licence does Perini Finance & Property hold and where can I verify it?
Answer in section: Regulatory status
What goes into a self-disclosure form for a Spanish mortgage?
Answer in section: Self-disclosure
What does a mortgage in Spain cost for non-residents?
Answer in section: Spanish mortgage calculator
Why does my bank say no to financing a property in Spain?
Answer in section: Special financing
Can I still get a Spanish mortgage at 65?
Answer in section: Special financing
How do I use equity from my home country for a Spanish purchase?
Answer in section: Special financing
How much equity do I need if I release capital on a paid-off property?
Answer in section: Special financing
Should I sell an annuity on my property or take out a loan against it instead?
Answer in section: Special financing
Can I raise capital against my German property to buy in Spain?
Answer in section: Special financing
What does a part-sale of the property cost compared to a loan against it?
Answer in section: Special financing
When is a private lender in Spain the right route?
Answer in section: Special financing
Can I release capital from a mortgage-free Spanish property and use it in another euro country?
Answer in section: Special financing
Can I borrow against a Spanish property I already own outright?
Answer in section: Special financing
Can I combine a Spanish mortgage with lending against my German property?
Answer in section: Special financing
Who pays the instalments during a Spanish new-build?
Answer in section: Special financing
What does the perini.es wiki cover on Spain and Portugal property financing?
Answer in section: Wiki