Buying a Property in Spain with a Mortgage – Made Easy with MedVilla

13.04.2025

Purchasing a home in Spain with a mortgage is absolutely possible – even for non-residents. However, proper preparation is key to ensure your application runs smoothly and successfully. At MedVilla, we guide you step-by-step in compiling your mortgage file so you can navigate the entire process with peace of mind.

Standard Documents Required for a Mortgage in Spain:

• Copy of your passport or ID
• NIE number (Número de Identidad de Extranjero – Spanish tax ID for foreigners)
• Marriage certificate (if applicable)
• Proof of income or employment contract
• Last 3 payslips or self-employment income declaration
• Recent bank statements (last 6 months)
• Latest income tax return
• Information on any current loans or credit agreements
• Overview of assets and liabilities
• Copies of other property titles in Spain or abroad
• Preliminary or final purchase agreement with the seller
• Proof that all property-related taxes are paid and up to date
• Credit score or report from your home country (for non-residents)

Language & Legal Requirements:

Most Spanish banks require these documents to be submitted in Spanish or English. If they are originally in another language, they must be:

• Legally translated by a sworn translator
• Apostilled (to ensure international legal validity)

How Long Does a Mortgage Application Take in Spain?

Without professional guidance, the process may take up to 2 to 3 months. Administrative procedures, appointments with banks and notaries, and even multiple trips to Spain – all this without knowing whether your application will be approved – can make the journey challenging.

MedVilla – Your Trusted Guide from A to Z

At MedVilla, we understand that applying for a mortgage abroad can be daunting. That’s why we collaborate with trusted mortgage specialists in Spain who are experienced in assisting foreign buyers. With our support:

• You save time, money, and avoid unnecessary stress
• You’ll have clarity on all documentation requirements
• You’re guided step-by-step in your own language
• You know in advance if you qualify and how much you can borrow

Tip: Let us pre-screen your mortgage application

Even before you travel to Spain, we can coordinate with our partners to perform a preliminary credit analysis. That way, you’ll know exactly what to expect – no surprises, no wasted trips.

Questions or Need Help with Your Mortgage?

Don’t hesitate to reach out via info @ medvillaspanje . com or call us directly: +32 460 20 10 12 or +31 970 102 070 40

We’re here to guide you through every step of your Spanish home-buying journey – with care, clarity, and confidence.

MedVilla Spain – Your stress-free total concept partner under the Spanish sun.