Monthly Archives: January 2026

Early January 2026 a numer of Spanish Banks have updated their Spanish Mortgage portfolio. The chnages include some reductions and increases to minimum rates. Along with introduction of new terms and conditions. Contracting of linked products is normally required to achieve lowest rate possible.

Individuals with Spanish residency can be confused as to what Mortgage facilities in Spain will be availble to them. Having a resident card does not immediatly provdie access to resident mortgages in Spain. Whilst Spanish Banks provide non resident mortgages. Therefore lending will be possible. Banks in Spain have other criteria to offer the higher loan to values that Nationals can gain.