ACFINANMortgages in Spain for UK Buyers — Up to 80% Financing
We assess your income, deposit and documents before approaching Spanish lenders suited to your situation.
Request a Free Mortgage AssessmentRegistered Mortgage Broker with the Bank of Spain (Reg. D378) · Independent advice · No obligation
A clearer route to the right lender
The right mortgage depends on your income, deposit, property and documents. Here is how the two routes differ in practice.
- Potential financing
- Applying directly to one lenderOne lender’s criteria
- With ACFINANUp to 80%, subject to your profile and valuation
- Before you apply
- Applying directly to one lenderAssessment by that lender
- With ACFINANA clear pre-assessment of your situation
- Lender search
- Applying directly to one lenderOne lender at a time
- With ACFINANSuitable lenders considered for your profile
- Documents and communication
- Applying directly to one lenderYou coordinate the requirements
- With ACFINANEnglish-speaking support while preparing your file
What 80% financing could mean
A simple example can make the deposit easier to picture before you start viewing properties.
- Property price
- €300,000
- Mortgage up to
- €240,000
- Deposit from
- €60,000
An illustrative purchase price in Spain.
Based on financing of up to 80%.
Before taxes, valuation and purchase costs.
This is an illustration, not a mortgage offer. The final amount depends on your affordability, the bank's valuation and each lender's criteria.
How it works
- 1
Free assessment
Tell us about your income and the property. We tell you honestly what's realistic before you spend a penny.
- 2
Document preparation
We tell you exactly what your bank and the Spanish lender will need, translated and formatted correctly the first time.
- 3
Bank negotiation
We approach lenders who specifically work with UK non-resident profiles, not a generic branch that will say no.
- 4
Completion
We coordinate with your notary and lawyer through to signing.
Documents you'll need
As a UK buyer, you'll need a mix of UK and Spanish paperwork. Here's exactly what to prepare — we'll guide you through each one.
- Valid passport
- NIE (Spanish foreigner identification number) — we can help you obtain this
What UK buyers say
“We'd been quoted 70% by two Spanish banks already. ACFINAN found us 80%, which meant we didn't have to touch our pension savings.”
“Everything was explained in plain English, no jargon and no pressure. We knew exactly where we stood before we committed to anything.”
“As a company director, I expected the income checks to be a nightmare after Brexit. Their team knew exactly what the bank needed and we completed in under two months.”
Frequently asked questions
Yes. Spanish banks continue to lend to British buyers as non-residents. The process has more steps than before Brexit, but financing remains fully available.
Ready to understand your mortgage options?
Tell us a little about your plans and we will explain what may be realistic before you approach a lender.