Financing

Clarity up front prevents surprises

Buying a home in Spain starts with understanding your financial options.

Financing in Spain works differently than in the Netherlands, and good preparation is essential. We work with established financial experts who have years of experience and strong connections with Spanish banks — so we can move quickly and guide you well.

How a mortgage in Spain works

For non-resident buyers from the Netherlands and other Northern European countries, you can typically expect:

• Up to ±70% financing through a Spanish bank
• ±30% own contribution
• ±10–15% additional buyer's costs

In total, you need around 45% in own capital.

Why upfront clarity matters

Many buyers start searching without knowing exactly what they can afford. That leads to disappointment, delays or the wrong choices.

A realistic budget:

• Improves your chances of success
• Avoids surprises later
• Lets you move quickly when an interesting property appears

Free Financial QuickScan

At CASA SOL we offer a free Financial QuickScan. With it you quickly understand:

• Your maximum budget for a property in Spain
• Your mortgage options with Spanish banks
• Your financial feasibility

We review your situation with you and give a first indication, so you enter the market well prepared.

Buying in Spain, well prepared

Buying a home in Spain is a wonderful step, but it always starts with clarity. With the right financial preparation you know where you stand, you can search with focus, and you make the right decision sooner.