Spanish Mortgage Rates

In addition to some of the latest Spanish mortgage rates below, IPF has access to a range of bespoke mortgages from private banks and alternative lenders that we can discuss with you personally and confidentially, tailored to you.

Type of mortgage Max LTV (Term) Starting Rates from ** Interest only Monthly payments * Example Request Quote
Mixed (Fixed 1 Year - Remaining Term Variable) Mixed (Fixed 1 Year - Remaining Term Variable) 3.59% No € 2,979 Get A Quote
Mixed (Fixed 5 years - Remaining Term Variable) 70% (15 Years) 3.85% No €2,197 Get A Quote
Mixed (Fixed 10 years - Remaining Term Variable) 70% (25 years) 4.05% No €1,592 Get A Quote

* Monthly payment is based on a loan amount of €300,000

** Lower interest rates may be available if you do not require the maximum LTVs (loan to values)

This information should only be used as a guide. The products mentioned here are for non-resident clients, other products will be available for residents. The choice of interest rate and product terms will depend on your circumstances and the amount of the mortgage. Before you make a mortgage application, we will carry out a full review to establish your needs and preferences and if you meet the criteria, we will give advice and make a recommendation to you. There will be a fee for our mortgage service. All mortgages are subject to status. Please note that all products show an indicative rate only and may not be suitable for you. You must be 18 or over.

For a personalised Spanish mortgage quote please contact us directly or submit your information online.
Information provided by and is correct as of 25/11/2022

Your home may be repossessed if you do not keep up with repayments on your mortgage

What our clients say

IPF did a fantastic job from start to finish
10 Mar 2021 - David Hay

"IPF did a fantastic job from start to finish, expertly guiding us through the unknown territory of arranging a French Mortgage. They were professional, responsive and friendly at every stage and I strongly recommend them."

We were especially impressed with the high level of communication...
15 Feb 2021 - Mr & Mrs M

"IPF provided us with a fantastic service. We were very close to our deadline for having a mortgage approval for the purchase of our new home and they were able to collate our requirements, put through an application and provide a mortgage approval within weeks. We were especially impressed with the high level of communication and specifically how Louis Cornwall kept us in the loop throughout, even through to our completion. We would highly recommend IPF!"

View More

Spanish Mortgage Rates

Compare Spanish Mortgage Rates and get the best deal on your Spanish mortgage whether you are buying a main residence or a second home in Spain, we have access to a wide range of Spanish mortgage rates.

View mortgage rate table

Spanish Mortgage Calculator

Wondering about the budget for your Spanish home? Calculate how much your Spanish mortgage will cost and how much you can borrow.

Calculate my mortgage costs

Begin my Spanish Mortgage Application

Found the perfect property or going out on a viewing trip? Start your application and we can make your Spanish dream a reality.

Let's get started