Mortgage & Financing
Expert guidance through every step of financing your Mallorca property
Key Facts: Mortgages in Spain
Interest Rates
2.5% – 4.5%
Fixed rates for non-residents (2025)
Max LTV Non-Resident
60 – 70%
Loan-to-value ratio for foreign buyers
Loan Terms
15 – 30 yr
Typical mortgage duration range
Buying Costs
10 – 13%
Total taxes, notary, registry & legal fees
Why Finance Through Balearic Blue?
Exclusive Bank Rates
Access preferential interest rates through our established relationships with Spain's top private banks, often 0.3-0.5% below standard offers.
Non-Resident Specialists
Navigating Spanish mortgage regulations as a foreign buyer requires expertise. We handle the complexity so you don't have to.
End-to-End Support
From pre-qualification to completion, our team coordinates with banks, lawyers, and notaries to ensure a seamless financing process.
Multilingual Service
Our advisors speak English, Spanish, German, Swedish and French — ensuring nothing is lost in translation during your mortgage application.
Mortgage Calculator
Estimate your monthly payments and total buying costs for properties in Mallorca
Mortgage Calculator
Estimate your monthly payments for properties in Mallorca
Monthly Payment
7.509 €
Loan Amount
1.500.000 €
Total Interest
752.806 €
Total Cost
3.252.806 €
Non-residents in Spain can typically obtain up to 60-70% financing.
This calculator provides estimates only. Contact us for personalised financing terms.
Our Banking Partners
We work with Spain's most prestigious financial institutions to secure the best terms for our clients
Sabadell
Leading Spanish bank with dedicated international desk
CaixaBank
Spain's largest retail bank, competitive fixed rates
BBVA
Global bank with strong non-resident mortgage programs
Santander
International expertise with flexible terms for luxury properties
Deutsche Bank
Premium private banking for HNWI clients
Banca March
Balearic-based bank with deep local market knowledge
Frequently Asked Questions
Get Pre-Qualified Today
Complete our secure form and receive a personalised mortgage assessment within 24 hours
Prefer to talk? Call us +34 871 115 500
Or email us at [email protected]
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Data controller: Balearic Blue (Isle of Mallorca Group S.L.)