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Mortgages

Hypotheek voor residenten

Residents

You live in Spain? We compare mortgage options and find the best mortgage for you.

Competitive interest rates

Tailor-made solutions to suit your situation

Personal guidance and support

Herfinancieringen

Mortgage Refinancing

Already have a mortgage in Spain? We will review your current mortgage to see whether you could benefit from better terms and lower costs.

Free analysis of your existing mortgage

Lower monthly repayments may be possible

Save money in the long term

Hypotheek voor niet-residenten

Non-Residents

Even if you do not live in Spain, we can help you find the right mortgage.

Specialists in mortgages for non-residents

Full guidance from A to Z

Tailor-made solutions to suit your situation

Be careful with online mortgage comparison tools.

The interest rates you see online are almost always indicative examples. The final interest rate is only determined after the bank has assessed your mortgage application.

At Costas Finance, we don't just compare advertised interest rates. We also look at the interest rate you can realistically qualify for, the total monthly repayment, mandatory insurance policies and all additional conditions. This means you know exactly where you stand before proceeding.

Example calculation – Bank X

  • Loan amount: €100,000
  • Term: 25 years
  • Nominal interest rate (TIN): 2.30%
  • Indicative monthly repayment: €438.61

Of course, this is not how it works in practice.
This interest rate only applies if the client meets all the bank's requirements and the bank approves the mortgage application.
An advertised TIN of 2.30% from Bank X does NOT mean that you will automatically qualify for that rate!
What's more, the interest rates currently advertised everywhere, particularly those below 2%, are simply NOT realistic in the current market (2026).

Please note

This calculation is for illustrative purposes only. The final interest rate will depend on:

  • Your income;
  • The property;
  • The loan-to-value ratio (LTV);
  • Whether you are a resident or non-resident;
  • The banking products you take out with the bank;
  • The market interest rate at the time of your application.