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Economy and Mortgages

Applying for a mortgage: What requirements will the lender consider?

Are you going to buy a house? In this post we'll tell you what requirements the financial institution will study and analyze when you apply for a mortgage before approving your application and lending you the requested amount.

Although the requirements vary depending on the lender, some are common to all of them. Any bank will want to know, in addition to your personal information (age, marital status, number of family members), documentation that proves your income, job stability, savings, or the type of property you want to buy.
Updated: 11 MAY 2026
PUBLICATION DATE: 01 JAN 0001

Summary

1. Your income

One of the first things the financial institution will analyze when you apply for a mortgage loan will be your net income .

The bank will ask you for several documents depending on your employment situation: the last three payslips, if you are an employee, the last three quarterly IRPF payments and the IAE (Economic Activities Tax) registration for the self-employed, in addition to the last income tax return or any other source of income you have (income received from renting other properties, etc.).

The goal is simply to determine if you have sufficient income to comfortably cover your mortgage payments. As we've discussed previously, your mortgage payment should not exceed 35% or 40% of your income.

2. Your job stability

Another requirement that can help you get a mortgage from a bank is demonstrating your job stability (and therefore, financial stability).

When applying for a mortgage, lenders usually value positively having a permanent contract with several years of seniority or being a civil servant.

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3. Your savings

The bank will probably ask you to justify the savings you have available to cover the portion not covered by the mortgage (usually 20% of the purchase price of the property) and the expenses – property appraisal, notary fees, property registration or other management expenses – or taxes such as VAT.

4. The type of home you want to buy

Finally, the lenders will also analyze the type of property you want to buy (house, apartment), its condition, and its location. In any case, a property appraisal will be required through an accredited appraisal company.
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