Spanish Mortgage Banks
Not all banks treat all buyers equally—we help you find the right match
Why Bank Selection Matters
Each Spanish bank has preferences: some favor self-employed buyers, others prefer UK nationals, some offer better terms for properties in certain areas. The difference between the right and wrong bank for YOUR profile can be €10,000+ over the loan term. Our advisors know which banks will give you the best deal based on your employment type, nationality, income structure, and property location.
Santander
Spanish BankOne of Europe's largest banks, Santander offers competitive mortgage products for both residents and non-residents. They have extensive experience with international clients and provide English-speaking advisors throughout Spain.
Advantages
- Large branch network
- English-speaking staff
- Flexible terms
- Online banking
Considerations
- Stricter income requirements
- Longer processing times
BBVA
Spanish BankBBVA is known for its innovative digital banking solutions and competitive rates. They offer a streamlined application process and have dedicated teams for foreign buyers in popular expat areas like Marbella.
Advantages
- Competitive rates
- Excellent mobile app
- Quick pre-approval
- Dedicated expat services
Considerations
- Limited branch hours
- Documentation heavy
CaixaBank
Spanish BankAs Spain's largest domestic bank, CaixaBank offers extensive mortgage products and has a strong presence in Andalucía. They provide personalized service and have experience with complex international transactions.
Advantages
- Largest Spanish bank
- Strong local presence
- Personalized service
- Property valuations included
Considerations
- Higher arrangement fees
- Conservative lending criteria
Sabadell
Spanish BankBanco Sabadell has a strong reputation for customer service and offers competitive mortgage products. Their international desk is well-equipped to handle non-resident applications efficiently.
Advantages
- Good customer service
- Flexible on property types
- Quick decisions
- TSB UK connection
Considerations
- Smaller branch network
- Variable rate focus
Bankinter
Spanish BankBankinter focuses on premium clients and offers attractive rates for high-value properties. They're known for efficient processing and have dedicated international mortgage specialists.
Advantages
- Competitive rates
- Fast processing
- Premium service
- Good for high-value properties
Considerations
- Higher minimum amounts
- Selective client acceptance
ING España
International BankING offers some of the most competitive rates in Spain with a fully digital application process. As an international bank, they understand the needs of foreign buyers and offer transparent, no-hidden-fees mortgages.
Advantages
- Lowest rates available
- No arrangement fees
- Fully digital process
- Higher LTV for non-residents
Considerations
- No physical branches
- Limited personal contact
- Online-only
Deutsche Bank España
International BankDeutsche Bank offers premium mortgage services in Spain, particularly suited for German and Northern European buyers. They provide multi-currency options and have experience with complex international structures.
Advantages
- Multi-currency mortgages
- International expertise
- Premium service
- German efficiency
Considerations
- Higher minimum amounts
- Stricter requirements
- Limited branches
Unicaja
Spanish BankUnicaja is the dominant regional bank in Andalucía with deep local market knowledge. They offer competitive products and have extensive experience with Marbella property transactions.
Advantages
- Strong Andalucía presence
- Local market expertise
- Competitive fees
- Personal relationships
Considerations
- Limited outside Andalucía
- Less English support
Need Help Choosing a Bank?
Don't apply blind—the wrong bank choice costs you thousands. Tell us your profile (employment type, nationality, property area, budget) and we'll tell you exactly which bank will offer you the best terms. Our service is free—banks pay us, not you.
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