Name: YesCosta.com
Price range: $$$

Mortgage Calculator

Planning to buy a property in Spain? Use the YesCosta.com mortgage calculator to estimate your monthly mortgage payments, total loan amount and interest costs before making an investment decision.

At YesCosta.com, we do more than help you find the right property. We guide international buyers through the entire purchase process, including property acquisition, mortgage preparation and legal coordination on the Costa Blanca.

Spanish banks typically finance up to 70% for non-resident buyers and up to 80% for residents, excluding taxes and purchase costs. Mortgages generally need to be fully repaid before the oldest applicant reaches approximately 75 years of age, which may affect the maximum loan term available.

This calculator provides indicative estimates only and does not constitute a formal mortgage offer.

Property Price (€)

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Down Payment / Savings (€)

Most lenders finance up to 70% for non-residents and up to 80% for residents, excluding taxes and purchase costs.

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Loan Term (Years)

Maximum loan term depends on age. Mortgages in Spain are typically required to be fully repaid before age 75.

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Annual Interest Rate (%)

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Estimated Monthly Payment (€)

Calculated monthly payment based on inputs.

Total Repayment Amount (€)

Total amount paid over the full mortgage term, including interest.

Total Interest Paid (€)

Total interest paid over the duration of the loan.

Ready to Buy Property in Spain?

Your mortgage calculation provides valuable insight into your buying possibilities in Spain. Financing is an important part of the purchase process, but selecting the right property and arranging the necessary documentation are equally important.

At YesCosta.com, we assist international buyers throughout the entire purchase journey on the Costa Blanca. From finding the right property to mortgage preparation and legal coordination, we help make the process as smooth as possible.

For Dutch entrepreneurs and self-employed buyers, Spanish lenders often require recent financial statements. If annual accounts have not yet been prepared, our team can assist in preparing the financial documentation required for a mortgage application.

Many international buyers start with a mortgage calculation before exploring properties on the Costa Blanca. Understanding your budget early helps you focus on homes that truly match your financial goals.

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YesCosta.com – Registered Real Estate Agency (RAICV 5801) | API No. 02349

Mortgage Preparation Service

At YesCosta.com, mortgage guidance and preparation are included for buyers purchasing a property through our agency. We assist our clients throughout the entire acquisition process, from property selection to mortgage coordination and completion.

For clients seeking independent mortgage preparation without purchasing a property through YesCosta.com, we offer a dedicated mortgage preparation service for a fixed fee of €600 excl. IVA.

This service may include reviewing financial documentation, preparing the mortgage file, coordinating with trusted financial partners and guiding you through the Spanish mortgage application process.

The €600 service fee is fully credited upon completion of a property purchase through YesCosta.com.

For Dutch entrepreneurs and self-employed buyers, we may also assist in preparing the financial documentation required by Spanish lenders when recent annual accounts have not yet been prepared.

Our goal is simple: to help serious buyers understand their financing possibilities before making one of the most important investments of their lives.