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BBVA Mortgages

Welcome to BBVA - your bank in Spain with a local presence here in the UK. BBVA has been established in the UK since 1918 and is part of the Global BBVA Group. We have a very strong presence in Spain and over 8,100 branches around the world.

BBVA London provides mortgages to UK residents1 who wish to buy a property in Spain. Your mortgage will be secured over your property in Spain but your loan agreement will be in English and governed by English law.

Knowing how important the purchase of your Spanish property is, you'll be happy to know that the bilingual Spanish and English-speaking staff in our UK BBVA branches will be your main contact point throughout the loan process.

We offer loans secured on Spanish properties (subject to your credit status and to our responsible lending or affordability assessment policies) with the following key terms:

  • Currency: mortgages available in pounds sterling or euro
  • Interest Rate: The interest rate is the Bank of England Base Rate, which is variable + 2.50%
  • The overall cost for comparison is 3.4% APR

    The actual rate available will depend on your circumstances. Ask for a personalised illustration.
  • Arrangement fee: BBVA London will charge an arrangement fee of 1.5% of the amount borrowed subject to a minimum charge of £1,500
  • Additional fees, taxes and charges relating to the purchase of the property and the preparation and registration of the mortgage in Spain will apply. These fees, taxes and charges will depend on the location and value of your Spanish property and whether it is a new build property.

  • Loan-to-value: of up to 60%
  • Term: up to 20 years
  • Repayment: monthly payments of principal and interest
  • Minimum loan value: £75,000 or the euro equivalent
  • Dedicated account officer in the UK
  • Loan agreement in English and governed by the English law

Your Spanish property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.

Lending is subject to your credit status and our responsible lending or affordability assessment policies. You must be resident in the United Kingdom to borrow from us. You must take out buildings insurance with BBVA Spain as a condition of your mortgage to cover the full repayment of your mortgage if the Spanish property is destroyed or damaged during the mortgage term. You must also open a bank account with BBVA in Spain and with BBVA in the UK as a condition of your mortgage.

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1 Excluding the Channel Islands, the Isle of Man and the Republic of Ireland. You must be resident in the United Kingdom to take out a mortgage with us.


BBVA is a trading name of Banco Bilbao Vizcaya Argentaria, S.A. Registered in England with Company No. FC014702 and Branch No. BR001254. Registered office: One Canada Square, 44th Floor, Canary Wharf, London E14 5AA. Authorised by the Bank of Spain and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from us on request.



Rightmove Disclaimer: This is an advertisement provided by BBVA and is addressed to and directed only at residents of the United Kingdom. It is not intended to be communicated to any person residing outside the United Kingdom. Rightmove is not advising or responsible for the products or services provided or promoted by third parties. You must perform your own research and seek independent professional advice before making any decision to purchase or invest in overseas property. To operate this advert, Rightmove will be compensated by BBVA should you complete on a mortgage or loan arising from our provision of your details.

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