Besides finding your dream home, the mortgage application is one of the most time consuming steps. The better the dossier is prepared, the sooner the agreement can be issued. We therefore always recommend to ensure that the documentation is offered as complete as possible, so that the bank immediately has a clear picture of your profile and little additional information needs to be provided during the application process.
Documentation required for mortgage application in Spain
Copy ID card or passport Copy NIE (Numero Identificación Extranjero)
Are you employed?
3 last payslips
2 last tax returns
Bank statements last 6 months
3 Last mortgage statements showing monthly expenses and outstanding mortgage amounts
Land registry / overview current value of property(s)
Are you self-employed or self-employed?
Tax returns for the past two years
Annual accounts, loss & profit accounts
Registration of the Chamber of Commerce (Chamber of Commerce)
3 Last mortgage statements on which monthly expenses and outstanding
mortgage sum is listed
Land registry extension / Overview current value of property(s)
Information about the property to be purchased
Preliminary purchase contract / Reservation contract
Payment proof reservation / deposit
Deed of sale / Escritura de compra-venta (if available)
Valuation report (if available)
Note simple (Spanish real estate register)
Licencia de Primera Ocupación (if it is new build and you buy directly from a project developer)
For many people, the mortgage application is a long and complicated process. In order not to come up with surprises and to protect you from pitfalls, we recommend that you call in an advisor. This person is your link between the different banks and you can speak in your own language.
The Spaanse Hypotheker will assist you during and after the purchase, so that we can work together to achieve a successful result without any worries.