Mortgage application form
Are you employed or entitled to benefits?
- Two most recent payslips
- Employer’s statement (type of employment contract, years of service, duration, annual salary and position)
- Tax return of last calendar year
Are you self-employed? Autónomo ZZP
- Letter from the accountant (company details, confirmation of invoicing and company profits over the last 2 years)
- Self-employed tax return for the last two years
- Annual accounts past two years
Other (after first assessment)
- Proof of other source of income
- Credit report BKR and Experian
- Bank statement for the last 6 months
Amount of the mortgage
60% to 70% of the lowest value to non-residents
80% of the lowest value to tax residents
The bank considers you to be a fiscal resident if you can submit a first income tax assessment in Spain!
On these documents we need the details of both partners.
We will assess your supplied information critically and then make a personal recommendation on the likelihood of a mortgage in Spain.
When we apply for the mortgage with 3 banks, we calculate a percentage of 2% of the total amount excluding 21% iva.
Our bank staff will then contact you in your own language so that no misunderstandings can arise.