Spanish Mortgages for UK Buyers: Your Post-Brexit Guide
Post-Brexit mortgagesare possible. We've secured 200+ approvals for British buyers since 2018. Find out exactly what you can get.
Post-Brexit: What Changed for UK Buyers
While the headlines were scary, the reality for property buyers is manageable, if you know the rules.
Freedom Of Movement
THIRD COUNTRY STATUS
The 90-Day Rule Explained
As non-EU citizens, UK passport holders can spend a maximum of 90 days in the Schengen area within any rolling 180-day period.
The 90-day rule does NOT affect your ability to get a mortgage or buy property. It only limits how long you can physically stay without a visa.
Mortgage Access: Pre vs Post Brexit
Feature
Pre-Brexit (EU)
Post-Brexit (Non-EU)
Not all banks treat UK buyers the same way. Some still offer pre-Brexit terms if you know where to look.
Documentation: Where Deals Fail
Getting documentation right is CRITICAL post-Brexit. Submitting standard UK documents (P60, HMRC overviews) without specific verification causes 60% of delays.
Download: Complete UK Buyer Checklist
Every situation is different. In 15 minutes, we'll give you the exact list foryour Income Type.
Download the complete Mortgage Document Checklist
Tax Implications for UK Buyers
We are mortgage brokers, not tax advisors. The following is a general overview. Post-Brexit tax treatments (especially regarding rental income and inheritance) have changed significantly.
Spanish Side
UK Side
Need tax + mortgage coordination?
We coordinate with specialist cross-border tax advisors to ensure your mortgage is structured efficiently.
Talk To UsWhy UK Buyers Need Specialist Guidance?
You could absolutely call banks yourself. But here's what usually happens - and why most non-residents end up coming to us after trying the DIY route first.
The DIY path
With JS Finance Solutions
Ready to make the right decision?
Get in touch with us and we guarantee a better rate, a stress free process and your property secured.
Frequently Asked Questions
Common questions about getting a mortgage in Spain for UK citizens
Yes. While freedom of movement has ended, property ownership rights remain unchanged. Banks still lend to UK nationals, typically offering 60-70% LTV.
Slightly. Before Brexit, 70-80% was common. Now, 60% is standard, though 70% is achievable with the right financial profile and bank selection.
No. You do not need a visa to buy property or obtain a mortgage. You only need a visa if you plan to stay longer than 90 days in every 180.
Allow 8-12 weeks. Post-Brexit compliance checks (money laundering, source of funds) are stricter for non-EU residents.
In Spain, the concept of ‘buy to rent’ does not really exist, as property purchases are generally not structured or classified under that model.
Free Mortgage Assessment
Schedule a free consultation and discover how we can help you secure the best Spanish mortgage.
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