ACFINAN
Spanish mortgages for UK buyers
Explore financing of up to 80%, with an English-speaking team matching your profile to suitable Spanish lenders.
Get your free assessmentRegistered Mortgage Broker with the Bank of Spain (Reg. D378) · Independent advice · No obligation
Banks we work with
Financing at a glance
See what the extra financing changes
UK buyers are often shown lower loan-to-value options. We assess your circumstances across suitable lenders to find out whether up to 80% may be achievable.
Typical non-resident starting point
60%
Possible with the right lender
Up to 80%
The final amount depends on your income, commitments, the property and the lender's valuation.
Example purchase
A simple illustration of an 80% mortgage before taxes and purchase costs.
- Property price
- €300,000
- Mortgage up to
- €240,000
- Deposit from
- €60,000
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.
Prepare with confidence
Documents you'll need
As a UK buyer, you'll need a mix of UK and Spanish paperwork. We organise the requirements around your employment and circumstances, so you can prepare the right documents first time.
- Valid passport
- NIE (Spanish foreigner identification number) — we can help you obtain this
Client experiences
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.