Get Pre-Approved for Your Spain Property in 24 Hours
Up to 70% Financing for Non-Residents
English-speaking advisors • 12+ Spanish banks • Free pre-approval
🏠 Spanish Mortgage Calculator
Calculate your monthly payments and total costs
Calculate Your Spanish Mortgage
Includes transfer tax, legal fees, and all purchase costs
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| Mortgage Arrangement (1%) | – |
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📚 FREE Spanish Property Buyer’s Guide
Download our comprehensive 18-page guide covering mortgages, costs, taxes, regions, and expert tips from 500+ successful purchases.
Download Free Guide →
Trusted by Spain’s Leading Banks
How to Get Started
You Apply
Begin your application without any cost by answering a few questions. The process takes less than 5 minutes.
Receive Immediate Response
Receive an instant answer sent to the email address you provided.
Journey to Home Ownership
You are now ready to realize your dream – our advisors will assist you every step of the way.
Who is Eligible for a Mortgage?
You Want to Borrow Up to 70%
Whether it’s for a vacation home or permanent living – you can borrow up to 70% of the property price with Spanish banks. Registered residents can borrow up to 80%.
You Have Stable Finances
Whether you’re a business owner or an employee, you can get a mortgage. What matters is your financial situation and stable income.
You Are Between 18–75 Years Old
Spanish banks usually offer a repayment period of up to 25 years. Most banks prefer the mortgage to be fully repaid before you turn 75.
What Our Clients Say
“Tharros made the entire mortgage process incredibly smooth. They explained everything in English and we were pre-approved within 48 hours. Highly recommend!”
“As non-residents, we were worried about getting financing. Tharros connected us with the right bank and handled all the paperwork. We closed on our dream villa in just 6 weeks.”
“Professional, responsive, and knowledgeable. They secured us a great rate with CaixaBank and made buying our retirement home stress-free.”
Why Choose Tharros Brokers?
English Support
No language barriers. Full support in English throughout the process.
12+ Banks
We shop your application to get you the best rate.
Fast Approval
24-hour pre-approval. 4–6 weeks to closing.
No Upfront Fees
Free pre-approval. Pay only 0.45% when you accept an offer.
Ready to Finance Your Spanish Property?
Get your free mortgage pre-approval today. No commitment required.
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Get quick answers about Spanish mortgages from our advisors.
FREE Spanish Property Buyer’s Guide
18 pages of expert mortgage & buying advice
- How to get a mortgage as a non-resident
- Hidden costs & taxes explained
- Best regions to buy in Spain
- Step-by-step buying process
- Expert tips from 500+ approved buyers