What can you buy in Spain?
Calculate your maximum purchase price, monthly mortgage cost and expected rental yield, based on your deposit, age and goals. All numbers indicative; we refine them together in a free intake call.
01Up to 70% mortgage Non-residents can finance a maximum of 70% LTV in Spain.
0210–14.2% buying costs Resale ≈ 10% (ITP, notary, lawyer). New build ≈ 14.2% (IVA, AJD, notary).
03Minimum €50,000 deposit Our calculator starts from this baseline.
01
Purchase type
Buying costs ~10% (transfer tax, notary, lawyer).
02
Your deposit
Enter how much equity you bring in. We automatically calculate the mortgage that fits.
€
With mortgage
Turn off if you're buying with cash only
€
LTV (loan-to-value): how much you borrow vs. the purchase price.30%95%
Your calculation
Purchase budget · monthly cost · rental yield
Enter at least €50,000 deposit to start.
FAQ about buying
property in Spain
As a non-resident you can finance up to 70% of the purchase price in Spain. That means you need at least 30% deposit, plus the buying costs (10–14.2% depending on resale or new build). For a €250,000 property that comes to roughly €75,000 deposit plus €35,000 in costs.
For new build, buying costs are approximately 14.2%: 10% VAT (IVA), 1.5% stamp duty (AJD), and notary plus land-registry fees. For resale property the total lands around 10%, mainly transfer tax (ITP).
A gross yield of 5–8% is realistic for holiday rental in popular coastal regions. After rental management (typically 20–25% of rental income) and fixed costs, net yield lands around 3–6%. Return on your own contribution can be higher when you finance with a mortgage.
Non-resident mortgage rates in Spain are currently around 3.75% variable. The exact rate depends on your profile, the bank and the term. YNS Spain connects you to specialised mortgage advisors for the best conditions.
Want personal advice on your numbers?
Plan a free 30-minute call with one of our advisors. We walk through your calculation, your goals and the projects that fit your budget.