How to buy a property in Spain as a non-resident
Everything requires time, a process, and a team of professionals by your side at all times. We’ll explain the requirements for buying a home in Spain as a foreign non-resident.
Step-by-step guide to buying your home if you’re a non-resident
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Use our digital simulator to get an approximate estimate of your mortgage.
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Fill in the form and our financial adviser will get in touch with you.
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Understanding starts with getting to know each other. Tell us about your situation and we’ll explain how your mortgage will work.
*Check specific requirements by country -
Provide your own property valuation, or if you prefer, a property appraiser can assess the property so we can issue you with a formal mortgage offer.
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With the notary as your witness, the day has arrived when a dream becomes your home.
Calculate your financing
Use our mortgage calculator to get an approximate estimate of your mortgage.
Documents we’ll request
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- Passport or ID document
- Proof of income (last 3 payslips)
- Tax return
- Credit report
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UK residents
Residents of France
Residents of Germany
All other nationalities, please consult with your nearest branch. -
The documents required for your mortgage may vary by country, so please speak with our advisers.
The way? UCI. The place? Spain.
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A country that shines: 450 hours of sunshine a month
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Part of history: 44 UNESCO World Heritage sites
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Your health comes first: top-level healthcare services
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Life is all about experiences: 159 Michelin stars
Frequently asked questions for non-residents
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The documents required for a non-resident mortgage are largely the same as for Spanish residents. The main difference lies in the specific types of documents used to verify income, financial status and credit profile abroad.
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Providing documents in Spanish can help speed up the application process. If you have any questions, speak to your UCI adviser.
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Among others, mortgage conditions depend on:
- The customer’s financial profile
- The characteristics of the property
- The buyer’s personal deposit on the purchase
Mortgage for non-residents, and everything you may need
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Call us
UK – Monday to Friday: 10:00 – 18:00 // DEU – Montag bis Freitag: 10:00 – 18:00 Uhr // FRA – Lundi au Vendredi: 12:00 – 18:00
