Mortgage calculation for a

Spanish Mortgage

With our mortgage calculation, you can check the possibilities for a mortgage in Spain. Our mortgage brokers review your application and determine whether you qualify for a mortgage. If the assessment is positive, we ask you to have your documents checked via our paid mortgage check. For (Director-Shareholder) entrepreneurs and investors, we offer the mortgage pre-scan.

The minimum purchase price we apply is 300,000 euros!

Calculate a mortgage in Spain using our check

Whether you can obtain a mortgage in Spain depends in part on your income ratio. Spanish banks use this as the primary criterion for mortgage applications. Your fixed expenses may not exceed 35% of your (joint) net income. The following costs are considered fixed expenses:


  • the monthly costs for your current home (the rent or gross mortgage costs);
  • any spousal support you pay;
  • all charges reported to the BKR.

This ratio therefore provides some insight into your mortgage possibilities. And into how much money you will need to contribute yourself. But Spanish banks look at more than just the income ratio, such as your personal situation and the stability of your income and assets. Take our pre-scan.