Mortgage calculator for Spain

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Updated: October 2026

Thinking of buying a home in Spain with a mortgage? Use this calculator to estimate your monthly payment, the taxes and fees on top of the price, and how much of your own money you need. Change any figure to match your situation.

Mortgage and buying-cost calculator

Estimate your monthly payment and how much cash you need to buy a home in Spain. All figures are estimates.

Property price (€)

Type of purchase

Purchase tax (%) Andalucía: resale 7, new 11.2

Down payment (%) non-residents: often 30+

Interest rate (% per year) example only

Term (years)

Lawyer, notary and registry (%) estimate

Mortgage costs (%) valuation, bank or broker fees

Net monthly income (€) optional

Other monthly debts (€) optional

Estimated monthly payment

–

Loan amount: –

Total interest over the term: –

Down payment–

Purchase tax–

Lawyer, notary and registry–

Mortgage costs–

Cash you need–

Rates, taxes and fees vary by region, bank and personal situation. This calculator is a guide only and not a mortgage offer or financial advice. Ask a bank, mortgage broker or independent lawyer for exact figures. Read more: getting a mortgage in Spain and buying costs in Spain.

How to use the results

Down payment: Spanish banks usually lend non-residents a smaller share of the price than residents, so plan for a bigger deposit if you do not live in Spain.
Purchase tax: transfer tax on resale homes and VAT plus stamp duty on new builds are set by law and region. The defaults are for Andalucía; change them for other regions.
Cash you need: banks rarely lend for taxes and fees, so this is the money you must have available on the day of signing.
Debt-to-income: add your net income to see how your total debt payments compare with what many Spanish banks accept.

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Disclaimer: This calculator gives estimates only and is not a mortgage offer, financial or tax advice. Rates, taxes and fees change and depend on your region, bank and situation.