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.