In November 2018 the Spanish government passed a decree regarding the payment of Spanish mortgage tax known as AJD (Actos Juridicos Documentos). The new legislation states that it is now the obligation of the banks […]

Welcome to our new website! Mortgage Matters Spain . Mortgage Matters Spain is headed up by Alison Lowther de Cotta. Alison spent almost 20 years in International Private Banking and has worked for large institutions […]

We are always asked “How much can I borrow?” Good question! For Spanish residents, banks usually offer to lend 80% of the purchase price (excluding fees). For non-residents, the maximum loan to value banks offer […]