Fiscal residents get the best mortgage terms in Spain: LTV up to 80%, the lowest rates, and terms up to 30 years. Non-resident LTVs are capped lower: 60-70% for EU buyers and 50-60% for non-EU buyers. Fixed-rate mortgages for non-residents run 3.8-4.5% (EU buyers) to 4.3-5.2% (non-EU buyers) in 2026; variable-rate options price at Euribor plus a 1.5-2.5% margin, giving an effective rate of roughly 3.8-4.8% (12-month Euribor stood at 2.86% in May 2026, per Banco de España, after closing 2025 at 2.267%). Major lenders (Santander, BBVA, CaixaBank, Sabadell) all refreshed their non-resident mortgage lines in January 2026, including new mixed-rate products. Non-resident applicants typically need: passport and NIE, 3 years of home-country tax returns, 6 months of bank statements, 3 recent payslips (or invoices if self-employed), an employer confirmation letter, any existing mortgage statement, and a home-country credit report.