{"id":32267,"date":"2026-08-27T10:55:55","date_gmt":"2026-08-27T09:55:55","guid":{"rendered":"https:\/\/www.rightmove.co.uk\/overseas-magazine\/?p=32267"},"modified":"2026-08-27T11:17:29","modified_gmt":"2026-08-27T10:17:29","slug":"how-to-get-a-mortgage-in-spain","status":"publish","type":"post","link":"https:\/\/www.rightmove.co.uk\/overseas-magazine\/how-to-get-a-mortgage-in-spain\/","title":{"rendered":"How to get a mortgage in Spain"},"content":{"rendered":"<p><span data-contrast=\"auto\">Spain sells itself. With year-round sunlight, great\u00a0local\u00a0food\u00a0and a laid-back pace of life,\u00a0it&#8217;s\u00a0easy to see why so many Brits end up dreaming about a place of their own on the coast or tucked into a hillside town.\u00a0<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">But between the dream and the\u00a0keys\u00a0in your hand sits a mortgage process that\u00a0can look\u00a0fairly different\u00a0to the\u00a0one back in the UK.\u00a0Here&#8217;s\u00a0what\u00a0you need to know, step by step.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW108262752 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW108262752 BCX0\">1. Know the residency rules first<\/span><\/span><span class=\"EOP Selected SCXW108262752 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span class=\"TextRun SCXW196067930 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW196067930 BCX0\">Since Brexit, UK nationals are treated as non-EU citizens in Spain, which means you can spend a maximum of\u00a0<\/span><\/span><span class=\"TextRun Underlined SCXW196067930 BCX0\" lang=\"EN-GB\" title=\"Sorry, Word can't open this link in a browser. To go to this link, please open this document in the desktop version of Microsoft Word.\" xml:lang=\"EN-GB\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW196067930 BCX0\" data-ccp-charstyle=\"Hyperlink\">90 days out of every 180<\/span><\/span><span class=\"TextRun SCXW196067930 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW196067930 BCX0\">\u00a0there without a visa.\u00a0<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">S<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">o<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">,<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">\u00a0if\u00a0<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">you&#8217;re<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">\u00a0planning to\u00a0<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">move\u00a0<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">permanently and become a Spanish tax resident, the rules shift, and\u00a0<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">it&#8217;s<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">\u00a0worth getting<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">\u00a0professional<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">relocation\u00a0<\/span><span class=\"NormalTextRun SCXW196067930 BCX0\">advice.<\/span><\/span><span class=\"EOP Selected SCXW196067930 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW775074 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW775074 BCX0\">2. Understand what\u00a0<\/span><span class=\"NormalTextRun SCXW775074 BCX0\">you&#8217;re<\/span><span class=\"NormalTextRun SCXW775074 BCX0\">\u00a0eligible for<\/span><\/span><span class=\"EOP Selected SCXW775074 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Spanish lenders\u00a0commonly\u00a0offer fixed-rate deals, where your interest rate and your monthly payment stays the same for a set period, and variable-rate mortgages tied to the\u00a0<\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/en\/menu-horizontal\/productosservici\/financiacion\/hipotecas\/guia-textual\/primerospasoscon\/Hipoteca_a_tipo_2ada24e53ab1d51.html#:~:text=Advantages:%20you%20know%20in%20advance,than%20for%20variable%2Drate%20mortgages\"><span data-contrast=\"none\">Euribor<\/span><\/a><span data-contrast=\"auto\">, which move up and down with the market. Interest-only mortgages exist but are rare, and often off the table entirely for non-residents.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The trade-off for buying as an outsider\u00a0is that\u00a0banks see you as more risk, so expect to put down a bigger deposit and face a stricter debt-to-income ratio than a Spanish resident would.\u00a0<\/span><span data-contrast=\"auto\">The bigger your deposit, the better that ratio looks,\u00a0so if you can stretch to more upfront,\u00a0it&#8217;s\u00a0usually worth it.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Age matters too.\u00a0There&#8217;s\u00a0no official cut-off, but banks get cautious about lending to anyone over 65. Retirees can still get a mortgage with a solid pension behind them, sometimes with a guarantor. Lifetime Loans exist for over-65s with a pension, but\u00a0you&#8217;ll\u00a0need residency to qualify,\u00a0so that route is closed to non-residents.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW110383800 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW110383800 BCX0\">3. Get your paperwork together<\/span><\/span><span class=\"EOP Selected SCXW110383800 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span class=\"TextRun SCXW64407800 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW64407800 BCX0\">You&#8217;ll<\/span><span class=\"NormalTextRun SCXW64407800 BCX0\">\u00a0need the usual: proof of income, proof of address, ID, a record of your assets and debts, your UK credit rating, and deeds to any property you already own. On top of that,\u00a0<\/span><span class=\"NormalTextRun SCXW64407800 BCX0\">you&#8217;ll<\/span><span class=\"NormalTextRun SCXW64407800 BCX0\">\u00a0need an NIE<\/span><span class=\"NormalTextRun SCXW64407800 BCX0\">, which is<\/span><span class=\"NormalTextRun SCXW64407800 BCX0\">\u00a0a Spanish tax ID number, without which you legally cannot buy property in the country. Get this early;\u00a0<\/span><span class=\"NormalTextRun SCXW64407800 BCX0\">it&#8217;s<\/span><span class=\"NormalTextRun SCXW64407800 BCX0\">\u00a0issued through a Spanish consulate or embassy and can take time.<\/span><\/span><span class=\"EOP Selected SCXW64407800 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW259922335 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW259922335 BCX0\">4. Follow the application process<\/span><\/span><span class=\"EOP Selected SCXW259922335 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Start by shopping the market \u2014 either directly with Spanish banks or through a broker who knows which lenders are\u00a0actually receptive\u00a0to non-resident applications. A good broker can save you weeks of dead ends.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Next, make sure your paperwork is in order, including that NIE. Then find your property and, ideally, secure pre-approval before you make an offer \u2014 it puts you in a stronger position and speeds up everything downstream. Once\u00a0you&#8217;ve\u00a0agreed a price, the lender will value the property and assess your finances before issuing a formal offer. Read it properly before you sign anything.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Assuming your documents are ready to go, the\u00a0whole process\u00a0typically takes six to eight weeks.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW256978958 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW256978958 BCX0\">5. Budget for the full cost<\/span><\/span><span class=\"EOP Selected SCXW256978958 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Beyond the mortgage itself, expect\u00a0some\u00a0<\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/en\/menu-horizontal\/productosservici\/financiacion\/hipotecas\/guia-textual\/primerospasoscon\/Gastos_asociados_a_la_hipoteca.html\"><span data-contrast=\"none\">additional expenses<\/span><\/a><span data-contrast=\"auto\">. This includes a\u00a0valuation fee (roughly \u20ac300\u2013600) and a completion or arrangement fee from the lender (around 1% of the loan), plus broker fees, legal fees, and stamp duty, which varies by region.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Early repayment charges also apply if you pay off the mortgage ahead of schedule, and\u00a0they&#8217;re\u00a0capped by law,\u00a0though the cap depends on the type of rate. Variable-rate mortgages carry the lighter penalty: up to 0.25% if repaid within the first three years, dropping to 0.15% between years three and five, and nothing at all after that. Fixed-rate mortgages are penalised more heavily: up to 2% if repaid within the first ten years, dropping to 1.5% after that.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW227954095 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW227954095 BCX0\">6. Choose between a Spanish bank and a UK bank<\/span><\/span><span class=\"EOP Selected SCXW227954095 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span class=\"TextRun SCXW232573187 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW232573187 BCX0\">Most major Spanish lenders \u2014 Santander, BBVA,\u00a0<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW232573187 BCX0\">CaixaBank<\/span><span class=\"NormalTextRun SCXW232573187 BCX0\">, ING, EVO<\/span><span class=\"NormalTextRun SCXW232573187 BCX0\">, to name a few<\/span><span class=\"NormalTextRun SCXW232573187 BCX0\">\u00a0\u2014 will lend to non-residents. Some UK banks with a Spanish presence also offer international mortgages, which means arranging everything in English and skipping the credit-history translation headache. The catch is a smaller pool of products and rates, so it\u00a0<\/span><span class=\"NormalTextRun SCXW232573187 BCX0\">could\u00a0<\/span><span class=\"NormalTextRun SCXW232573187 BCX0\">end up\u00a0<\/span><span class=\"NormalTextRun SCXW232573187 BCX0\">being\u00a0<\/span><span class=\"NormalTextRun SCXW232573187 BCX0\">pricier.<\/span><\/span><span class=\"EOP SCXW232573187 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><span class=\"TextRun SCXW91820371 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW91820371 BCX0\">7. Don&#8217;t forget currency risk<\/span><\/span><span class=\"EOP Selected SCXW91820371 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">If your\u00a0income&#8217;s\u00a0in sterling and your mortgage is in euros, your monthly repayment will shift with the exchange rate,\u00a0sometimes in your favour, sometimes not.\u00a0It&#8217;s\u00a0worth having a plan for that before it becomes a surprise, rather than after.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Working with a currency specialist like\u00a0<\/span><span data-contrast=\"none\">Lumon<\/span><span data-contrast=\"auto\">\u00a0can help with the money-moving side of\u00a0buying a property in Spain, from deposit to monthly repayments, so that part of the process is one less thing to think about while you&#8217;re settling into somewhere new.<\/span><span data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span class=\"TextRun SCXW120606238 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW120606238 BCX0\">Sources<\/span><\/span><span class=\"EOP Selected SCXW120606238 BCX0\" data-ccp-props=\"{&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">UK Government \u2013\u00a0<\/span><a href=\"https:\/\/www.gov.uk\/foreign-travel-advice\/spain\/entry-requirements\"><span data-contrast=\"none\">Entry requirements: Spain<\/span><\/a><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Bank of Spain \u2013 Fixed and variable rate mortgages<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Bank of Spain \u2013 Mortgage-related expenses<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Government of Spain \u2013 Property taxes<\/span><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ol>\n<ol>\n<li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Aptos\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">Bank of Spain \u2013\u00a0<\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/en\/menu-horizontal\/productosservici\/financiacion\/hipotecas\/guia-textual\/vidahipoteca\/Cancelacion_anticipada.html\"><span data-contrast=\"none\">Early redemption<\/span><\/a><span data-ccp-props=\"{&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ol>\n<p><em><span class=\"TextRun SCXW16721047 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW16721047 BCX0\">This article is a promotional feature produced in partnership with\u00a0<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW16721047 BCX0\">Lumon<\/span><span class=\"NormalTextRun SCXW16721047 BCX0\">. It is intended for general information purposes only and does not constitute financial, legal, or investment advice. Currency exchange involves risks, and past performance is not indicative of future results.<\/span><span class=\"NormalTextRun SCXW16721047 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW16721047 BCX0\">Lumon<\/span><span class=\"NormalTextRun SCXW16721047 BCX0\">\u00a0Pay Ltd is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN 902022) to issue electronic money and provide payment services in the UK. Registered office: 20 Farringdon Road, London EC1M 3HE.<\/span><\/span><span class=\"EOP Selected SCXW16721047 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spain sells itself. With year-round sunlight, great\u00a0local\u00a0food\u00a0and a laid-back pace of life,\u00a0it&#8217;s\u00a0easy to see why so many Brits end up dreaming about a place of their own on the coast or tucked into a hillside town.\u00a0\u00a0 But between the dream and the\u00a0keys\u00a0in your hand sits a mortgage process that\u00a0can look\u00a0fairly different\u00a0to the\u00a0one back in the <a href=\"https:\/\/www.rightmove.co.uk\/overseas-magazine\/how-to-get-a-mortgage-in-spain\/\"> [&#8230;]<\/a><\/p>\n","protected":false},"author":85,"featured_media":32273,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[52],"tags":[],"class_list":["post-32267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to get a mortgage in Spain - Rightmove Overseas Property<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rightmove.co.uk\/overseas-magazine\/how-to-get-a-mortgage-in-spain\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to get a mortgage in Spain - Rightmove Overseas Property\" \/>\n<meta property=\"og:description\" content=\"Spain sells itself. With year-round sunlight, great\u00a0local\u00a0food\u00a0and a laid-back pace of life,\u00a0it&#8217;s\u00a0easy to see why so many Brits end up dreaming about a place of their own on the coast or tucked into a hillside town.\u00a0\u00a0 But between the dream and the\u00a0keys\u00a0in your hand sits a mortgage process that\u00a0can look\u00a0fairly different\u00a0to the\u00a0one back in the [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rightmove.co.uk\/overseas-magazine\/how-to-get-a-mortgage-in-spain\/\" \/>\n<meta property=\"og:site_name\" content=\"Rightmove Overseas Property\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-27T09:55:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-27T10:17:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rightmove.co.uk\/overseas-magazine\/content\/uploads\/2026\/08\/shutterstock_712575202-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1644\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kelly Peczkowski\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kelly Peczkowski\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/how-to-get-a-mortgage-in-spain\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/how-to-get-a-mortgage-in-spain\\\/\"},\"author\":{\"name\":\"Kelly Peczkowski\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/#\\\/schema\\\/person\\\/adbcd6c13a8d132526700d5e5d1130d1\"},\"headline\":\"How to get a mortgage in Spain\",\"datePublished\":\"2026-08-27T09:55:55+00:00\",\"dateModified\":\"2026-08-27T10:17:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/how-to-get-a-mortgage-in-spain\\\/\"},\"wordCount\":872,\"image\":{\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/how-to-get-a-mortgage-in-spain\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/content\\\/uploads\\\/2026\\\/08\\\/shutterstock_712575202-scaled.jpg\",\"articleSection\":[\"Articles\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/how-to-get-a-mortgage-in-spain\\\/\",\"url\":\"https:\\\/\\\/www.rightmove.co.uk\\\/overseas-magazine\\\/how-to-get-a-mortgage-in-spain\\\/\",\"name\":\"How to get a mortgage in Spain - 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