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Mortgage dictionary
APR, NIR, Euribor... Don’t be intimidated by the jargon, it’s all explained in our glosssary.
Mortgage in Spain for Non-Residents -
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What house can I afford
Establish a maximum budget
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Which is the best home loan?
Find the best mortgage for you
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Do you need mortgage support?
You'll never be alone in the process
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Mortgage application
The mortgage application process step by step
I like the meaning of the word home -
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why choose us?
Mortgages in Spain
We are a mortgage specialised company, authorised by the Bank of Spain. With over 30 years of experience, we make the mortgage process in Spain much simpler, convenient and secure.
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Why choose us?
Find out why you should trust UCI. More than 30 years of experience Personalized offer, according to your needs Easy, convenient and secure
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How can we help you?
As mortgage experts, we offer you the mortgage that best suits you. Whether you want to build your house from scratch or renovate it, we have the mortgage for you.
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Calculate your mortgage
Use our online mortgage calculator and discover the maximum cost you can afford when buying a house, how much we can lend you and the down payment.
Choose the type of mortgage that best suits you
FLUCTUATES OVER TIME
Mixed
Fixed rate for the first 3, 5 or 10 years. Variable for the rest of the mortgage, being the interest rate based on the benchmark index.
Same interest rate
Fixed
Same monthly payments throughout the life of the mortgage. Up to 30 years, without depending on the benchmark index.
Fluctuates over time
Variable
Fixed rate for the first year. The rest of the mortgage payments will be variable, fluctuating as the benchmark index changes.
Your mortgage in Spain step by step
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Use our mortgage calculator and find out how much we could lend you, the cost of the house you could afford and the down payment your would need.
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Complete the application form and we will contact you by email or phone to deal with your request
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We need you to share with us some basic information and documentation to make a first assessment of the viability of your mortgage. Please check the specifications for each country.
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Our experts will review your documentation and offer you the mortgage that best suits your needs.
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A certified surveyor will visit and valuate the property. Once the valuation is correct, we will be able to make a formal offer.
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With the notary as a witness, you will sign the mortgage deed and the purchase deed.
Reasons to buy a house in Spain
INFO FOR NON RESIDENTS
Not a resident?
Learn everything you need to know about buying a home in Spain as a non-resident and how we can help you through the whole process.
