Can I get a 100% mortgage in Spain?
A 100% mortgage in Spain is rare — banks typically lend up to 80% of the price to residents and around 60–70% to non-residents; the main exception is a bank financing the sale of its own repossessed stock, which can occasionally reach 100%.
Those loan-to-value figures are market norms, not official caps, and vary by bank and profile.
Plan to cover the gap plus the ~10–13% in taxes and fees from your own funds, since the mortgage finances a share of the price only.
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Related questions
Sources: Banco de España — información hipotecaria al consumidor.
General information for people buying property in Spain — not legal, tax or financial advice. Confirm the specifics for your purchase with a qualified professional.
Last reviewed June 2026.