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🏡 Spain Mortgage & Purchase Planner

See Your Monthly Mortgage
and the Real Cost of Buying in Spain

Buying in Spain comes down to two numbers: what you'll repay the bank each month, and what you'll need in cash to reach completion. This calculator gives you both in one place — your estimated monthly repayment, total interest over the term, and the real cash needed to complete, including taxes, notary and registry costs. Download a clear PDF summary to keep or share with your lawyer.

✓ Fixed, variable or mixed-rate scenarios
✓ Live official Euribor rate, always current
✓ Monthly repayments and buying costs, side by side
✓ Local tax rates for your province
🧮

Spain Property & Mortgage Cost Calculator

📌 Property purchase details Upfront costs and completion cash
The agreed purchase price shown in the reservation contract or deed.
€
Please enter the property price.
Enter the amount directly, or calculate it as a percentage of the property price.
€
Please enter a valid mortgage amount.
Enter the full mortgage term in years.
years
Please enter the mortgage term.
New builds generally use VAT + AJD. Resale purchases generally use ITP.
The calculator uses the province to determine the autonomous community and standard resale tax rate.
Please choose a province.
Usually 0% nowadays, but you can enter one if a lender charges it.
%
Typical range is around €250 to €600. The default here is €400.
€
📈 Mortgage repayment settings Fixed, variable and mixed mortgage logic
Latest official 12-month Euribor reference Loading the latest official monthly Euribor average for variable-rate estimates…
Reference: --
Period: --
Choose fixed, variable, or a mixed mortgage with an initial fixed period.
The fixed annual rate used for a fixed or introductory fixed period.
%
This field auto-fills from the latest official monthly reference when available. You can override it manually if needed.
%
⚙️ Optional refinements Useful for bespoke or reduced-rate cases
By default, the calculator uses standard general-rate assumptions and a client-friendly repayment estimate.
The repayment side uses standard French amortisation. For variable and mixed mortgages, the later repayments are estimated using the latest official 12-month Euribor reference currently loaded plus the bank margin you enter. The variable side is therefore an illustration, not a binding bank quote.

Your Spain mortgage and purchase estimate

The result below shows both parts of the story: what the client may pay month by month to the bank, and what they may need in upfront cash to complete the purchase.

Initial Monthly Payment
€0
Based on the selected mortgage structure.
Total Interest
€0
Estimated over the full term using the current rate assumptions.
Buyer Costs
€0
Purchase costs plus buyer-side mortgage setup costs.
Cash Needed to Complete
€0
Deposit / own funds plus buyer-side completion costs.

Mortgage repayments

Mortgage type—
Mortgage term—
Initial fixed rate—
Current variable rate basis—
Initial monthly repayment€0
Estimated later monthly repayment—
Total repaid to the bank€0
Total interest over the term€0

Purchase costs

Purchase tax applied—
Purchase tax amount€0
Purchase notary€0
Land Registry€0
Gestoría / admin€0
Buyer lawyer / adviser€0
Total purchase costs€0

Mortgage setup & completion

Mortgage amount€0
Loan-to-value (LTV)0%
Valuation€0
Opening fee€0
Deposit / own funds€0
Total buyer-side mortgage setup costs€0
Total cash needed to complete€0

Notes for the client

Autonomous community—
Property type—
Default tax basis used—
Euribor source used—
Custom tax overrideNo
Legal fee includedNo
Rule of thumb—
Tax default: —
Mortgage: —
LTV: 0%
Euribor: —
Important: This is an estimate for planning and marketing use. It is not tax advice, not regulated mortgage advice, not a binding mortgage offer, and not a substitute for a lawyer, tax adviser or lender term sheet. Variable and mixed mortgage totals assume the later variable rate is based on the current Euribor reference shown above and that this reference does not change. In practice, variable repayments can go up or down at each review date.

Want a tailored breakdown for your situation?

This estimate is a great starting point. For a real lender-based review, a pre-approval strategy and a clear plan for your budget, talk to Finance Consulting Group directly.

Get Your Tailored Review →

How it works

A clear, complete picture in four steps: what you'll pay the bank every month, and what you'll need in cash to complete your purchase in Spain.

1️⃣

Enter the purchase details

Price, loan amount, province, property type and buyer-side setup costs.

2️⃣

Choose the mortgage structure

Run fixed, variable or mixed scenarios using term, rates and the current Euribor reference.

3️⃣

See repayments and total interest

The result shows monthly repayments, total repayment and total interest over the term.

4️⃣

See the upfront money needed

Taxes, notary, registry, valuation, any opening fee, plus the deposit or own funds required.