Spanish mortgage calculator

EUR

The purchase price without taxes

Your age
(To calculate possible term on the mortgage)

45 years

Loan to Value (LTV) - %

- €

Mortgage Payments

Hypotheekbedrag

-

Term

-

Loan To Value (LTV)

-%

Variable Rate

TRACKER
Monthly payment range
€0 - €0

Interest rate range: -

(Typical current variable rate interest rates for October 2025 )

Fixed Rate

FIXED
Monthly payment range
€0 - €0

Interest rate range: -

(Typical current fixed rate interest rates for October 2025 )

What determines the rates you are offered?
  • Financial situation: Income stability, liquidity, credit history, and debt-to-income ratio
  • Mortgage amount: Size of the loan affects risk assessment. Typically higher mortgage amounts have better rates.
  • Loan to Value (LTV): Lower LTV typically means better rates
  • Property type: Property location and type of property can have an impact on the rates offered (and banks able to offer you a mortgage)
  • Income currency: Your income currency can affects terms offered (and banks able to offer you a mortgage)
  • Term: Longer term often give better rates (with the option to pay extra on the mortgage to finish quicker at your own convenience).
Variable rate of fixed rate?
  • Variable rates: Change with market conditions throughout the loan term. Rates are typically adjusted automatically every 6 - 12 months.
  • Fixed rates: Locked in for the entire term, providing payment certainty, but might have higher Early Repayment Charges. Not all banks are able to offer fixed rated mortgages if your income is different from Euro.

Ready to Calculate

Enter purchase price and your age to see mortgage calculations

Calculate Savings Needed

Get a detailed breakdown of all costs and savings needed for your Spanish property purchase, sent directly to your email.

Property Details (To calculate correct taxes)

Map of Spain

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Contact Information

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Use our Spanish mortgage calculator to see how much your home loan could cost.

Based on current fixed and variable mortgage rates for non-residents and expats, this tool helps you estimate monthly payments quickly and accurately