Your mortgage partner in Spain – from exploring to buying

No matter what stage you’re at – just exploring or ready to buy – we simplify Spanish mortgages for international buyers. With expert guidance and local bank partners, we help you secure the best mortgage deal.

Buying in Spain – what stage are you at?

I’m ready to buy – help me finance it

You’ve found a property or are ready to buy now
You want a mortgage in Spain
You want a team of experts to handle – banks, documents, deadlines

Secure a mortgage Money

I want to know what I can afford

Find out how much you can borrow
Start your property search with a plan
Be ready to act when the right property appears

Get a pre-approval House

Just exploring – where do I begin?

Learn what buying a property in Spain really means
From dream to decision – understand the process first
Get the step-by-step guide

Start learning Documents

Financing a home in Spain can be difficult – with Habeno, it’s easy.

We guide you through the entire financing process and help you secure the best mortgage through a Spanish bank. At the same time, we handle communication with key parties such as real estate agents, lawyers, notaries, and others to ensure that your journey toward your dream home is smooth and secure.

We secure the best possible rates with leading Spanish banks

We work with the largest banks in Spain and have already helped customers from more than 20 countries secure financing for their dream homes. Since our inception, we have brokered home loans worth over 150 million euros.

Competitive Interest Rates

Fixed

2.8 - 3.5 %

Mixed

2.5 - 3.0%

For 3 years and then EURIBOR+1.0%

Variable

2.4 - 3.0%

First year and then EURIBOR+1.0%

Last updated: 2025/05/13

Article

Ryan's Spanish dream - turning vision into reality

Ryan, 39, and his wife Kate from California, both working for a big tech company, had a long-standing dream of moving to Europe.

Who can get help with their mortgage?

You who want to borrow up to 70%
Whether for a holiday home or permanent residence, you can borrow up to 70% of the property price with Spanish banks.
You who want to borrow at least €30,000
With a Spanish bank, you must borrow at least €30,000 when purchasing a property.
You who are under 75 years old
Spanish banks usually offer a repayment period of up to 25 years. Most banks require that you complete repayment before turning 75.

Customer Reviews

Don’t just take our word for it – let our customers tell you why they chose Habeno.

Customer feedback drives us forward. We listen and evolve to always deliver the best possible experience.

Frequently asked questions

Is Habeno a bank?

No, we are not a bank, but we help you secure the best mortgage from the banks.

When you apply for a mortgage pre-approval with us, we take your application to the banks we cooperate with and negotiate a pre-approval for you. Our long experience with the mortgage process and our great relationship with European banks enable us to negotiate loan promises with fair and secure terms.

Do I have to translate my documents into the local language?

No, you do not need to translate any documents. We assist you with certified translations and package all documentation to the bank for you.

Why should I borrow in the country where I plan to buy?

There are several reasons why you, as a buyer, should lend from a bank in the country where you want to buy a property:

Buy for More

By using the property you are buying as collateral, you can usually borrow a larger sum, than if you were to mortgage your existing property back home.

Avoid the currency risk

You avoid the currency risk because the loan is paid out in the same currency as the country you want to buy a property in.

Tax benefits

Spain applies both inheritance and wealth tax, which in most cases makes it advantageous to borrow instead of purchasing in cash.

Avoid unnecessary risks

You only mortgage the property you buy. No collateral in your home country. It is good to only mortgage what you buy.

Does Habeno perform a credit check on me if I apply for a pre-approval?

No, when you apply for a pre-approval with us, we do not perform a credit check on you. However, you will need to conduct a credit check yourself later in the process.

How do I get an NIE-number?

With Habeno Legal, you will have one of our skilled lawyers to assist you, including in the process of obtaining an NIE number. However, you do not need an NIE-number to get a free pre-approval.

NIE-number is an identification number used in Spain for foreign citizens. To be able to buy a property in Spain, you need to have an NIE-number.

What does Habeno cost?

At Habeno, you only pay if we successfully help you secure a mortgage. Our success fee is 1% of the loan amount – with a minimum fee of €2,000 – and is only charged if you choose to proceed with a mortgage offer from one of our partner banks. No offer accepted? No cost to you.