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What are the best deals available for non resident mortgage applications

UPDATED information related to Finance Services with the Caixa and Bankia merger 2021.

There has improved mortgage conditions for FOREIGN CLIENTS MORTGAGES.

Contact: Francisco José Carrasco Ocón

Técnico Especialista Canal Euroresidentes / Dirección Territorial Andalucía Oriental


Tel.: +34 958 241 696  

Av. Fernando de los Ríos, 6 Pl. 5 18006 – Granada

Please see conditions below.


Finance 70% of the LTV of the property, the term of 20 years and the age at the end of the life of the mortgage must be a maximum of 75 years.

Interest rate: initial period of 1.99% for the first 12 months and Annual Euribor + 2.50% * for the rest of the period with semiannual reviews, here the mortgage differential can fluctuate and reach 1.80 % * or even less, everything would depend on the amount financed for each particular case and the client profile.
Cancellation Commission: the first 3 years at 0.25% and 0% for the rest of the period.

Documents Required

In all cases:

  • Passports and NIE numbers
  • Nota simple & purchase contract
  • Experian Report (full updated report, including all debts and monthly payments).

If employed:

  • 3 last wage slips and last P60.
  • Last Tax Return if available.

If Self-employed:

  • Chattered Accounts for last 2 years, and Tax Returns.

Term for the study:

This bank will give an answer to clients in 4-5 working days.

Term for completion:

Valuation report: 7 days.
Preparation of signature in Notary: 5 days.

In total, the process takes max 17 days.

Property Search

Price From:
Price To:
Min. Beds:
Min. Baths:
Property Ref:


Documents required and services:

We will only need  the following:

  • Passports
  • Activity document (pay slip or pension slip).

*It is possible open account in the distance (with scanned documents) in 24 hours.

Costs and services for current accont & cards:

Maintenance commission: For clients receiving salary or pension in the account (min 650 eurs/month): NO COMMISSION.
In other cases: 45 euros/year.

Cost of Debit/Credit Card: For clients with pension or salary: NO COMMISSION.
In other cases: 30 euros/year.

Services for Current Accounts:

  • Direct Debits
  • English Telephone and Internet Banking Services.
  • Top Up service.
  • Possibility to open different currencies accounts (pounds, dollars...), even on-line.
  • And the very important: All our branch employees speak perfect English. 
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