More info

In 2025, Spain is more than a real estate market—it is a lifestyle. Every year, thousands of non-residents decide that this is the place where they want to invest their time, their money, and often their future. From the golden beaches of the Mediterranean to the narrow streets of Madrid’s historic center, Spain offers something rare: the chance to live surrounded by beauty while enjoying a standard of living that feels both modern and deeply traditional.

The appeal is not just emotional. Official data confirms that house prices have continued to rise into 2025, driven by strong foreign demand. Yet compared with Paris, London, or Miami, Spain still feels affordable. This balance of value and lifestyle explains why “homes for sale in Spain” is one of the most searched property terms among international buyers this year.

The Costa del Sol: A Playground of the Sun

Few places have the magnetic pull of Málaga and its neighboring towns Marbella, Estepona, and Benahavís. The Costa del Sol is not simply a holiday destination—it is a way of life. International schools, golf courses framed by mountains, and marinas lined with restaurants make it a complete ecosystem for non-residents.

In 2025, demand for frontline properties remains fierce. Villas overlooking the sea, penthouses with infinity pools, and branded residences with concierge services are bought quickly by buyers who understand that these homes are more than investments—they are sanctuaries where life slows down under 300 days of sunshine a year.

Making the Dream Possible

Of course, buying in Spain as a non-resident requires more than falling in love with a view. Mortgages are capped at 70% loan-to-value, the maximum term is 25 years, and banks require that monthly payments remain under 35% of net income. Documents must be carefully prepared and explained—tax returns, bank statements, employment verification—so that Spanish lenders understand the buyer’s financial position abroad.

For many, this can feel overwhelming. That is why professional guidance is essential. At Mortgage in Spain, we turn a complex process into a smooth journey. From securing your NIE and arranging valuations, to negotiating directly with banks and coordinating the notary, we handle every step with the expertise of more than 15 years in the Spanish financial sector.

With a 99% mortgage approval rate, we give non-residents the security they need to move forward with confidence.

Most importantly, our services are free for clients, since the bank pays us directly. We are a mortgage broker licensed by the Bank of Spain, which guarantees professionalism, legality, and trust.