Focus regions — mortgages for non-residents
Non-resident mortgages in all key regions of Spain and Portugal — up to 70 % LTV in Spain, up to 80 % in Portugal. Each detail page explains transfer tax, local specifics and financing for the region.
Spain
Mallorca
The most popular location for German buyers in Spain. Palma, Port Andratx, Santa Ponsa, Son Vida, Alcúdia. ITP 8 %, mind the ETV licence.
Learn more → Spain · islandIbiza
Tight supply, high value stability. Balearic allowance €3m wealth tax. Ibiza town, Santa Eulària, San José.
Learn more → Spain · regionCosta Brava
The quiet alternative to Barcelona. Freely lettable, a German-Dutch growth market. Up to 70 % LTV.
Learn more → Spain · growth marketValencia & Costa Azahar
30–40 % cheaper than Madrid, with solid gross rental yields. Third-largest market for foreign buyers in Spain.
Learn more → Spain · Costa BlancaCosta Blanca
No. 1 for foreign buyers in Spain. North (Dénia, Jávea, Calpe, Altea) and south (Torrevieja, Orihuela Costa). ITP 10 %, Alicante airport.
Learn more → Spain · Costa del SolMarbella & Málaga
Premium Andalusia. Golden Mile, Puerto Banús, Estepona. ITP 7 % — the lowest rate of all Spanish hotspots.
Learn more → Spain · islandsCanary Islands
Tenerife, Gran Canaria, Lanzarote, Fuerteventura. No ITP on resale, IGIC 6.5 % on new builds. In demand all year.
Learn more → Spain · CanariesTenerife
The largest Canary island: premium south (Costa Adeje) and cheaper year-round north. Two airports, no ITP on resale.
Learn more → Spain · CanariesGran Canaria
Las Palmas as a real year-round city plus the tourism south around Maspalomas. IGIC 6.5 % on new builds, up to 70 % LTV.
Learn more →Portugal
Algarve
Premium west (Lagos, Vilamoura) and growth east (Tavira, Olhão). 300 days of sun, up to 80 % LTV.
Learn more → Portugal · cityPorto
UNESCO World Heritage, university city, year-round rental market. 30 % cheaper than Lisbon.
Learn more → Portugal · islandMadeira
Autonomous region with its own tax rates. Funchal and the south coast, year-round climate 18–25 °C.
Learn more →Your region is not listed?
We broker mortgages across Spain and Portugal — the focus pages only cover the most common buyer regions. Simply ask about your region directly.