Mortgage Calculator
Find out how much you can borrow for a property in Spain. Includes resident and non-resident LTV limits plus stress testing.
Max 80% loan-to-value (LTV)
Note: Banks use a 35% debt-to-income ratio. Actual approval depends on credit history, employment, and other factors.
Maximum Purchase Price
616.085 €
Limited by: Income (DTI ratio)
Loan Details
Maximum Loan Amount
466.085 €
Your Deposit
150.000 €
Loan-to-Value (LTV)
Max 80% for residents
75.7%
Monthly Payments
Monthly Payment
At 3.5% interest
2333 €
Stress Test Payment
At 4.5% interest (+1%)
2591 €
Over 25 Years
Total Interest Paid
233.915 €
Total Repayment
700.000 €
Note: Your debt-to-income ratio is 35.0%. Banks typically prefer below 35%.
Want help finding the right mortgage?
Talk to an AgentWe work with Spanish banks experienced in expat mortgages. Let us connect you with the right lender for your situation.