Mortgage Score Calculator
Update the sections to get live results on your purchase and mortgage options
How mortgage calculators work
A mortgage calculator gives you an estimate of the monthly payments and total costs of a home loan. It uses inputs like the property price, mortgage amount, interest rate, and loan term to calculate a repayment schedule.
This tool also estimates taxes and buying costs, plus key ratios lenders look at such as DTI (debt-to-income) and LTV (loan-to-value).
Tip
Use this calculator to test different deposit sizes, interest rates, and loan terms to see how your monthly payment changes.
Key factors that affect your mortgage score
Income
Your total income each month after tax. If you are buying with another person, you can combine these figures.
Monthly Debt
All regular payments: car loans, credit card bills. Add up how much you pay in total each month and add this loan figure.
Loan Amount
The maximum LTV (loan to value) you can borrow is 70% if you are a non-tax resident. So the loan figure assumes this total value.
Taxes & Costs
This is based on where you purchase, local taxes plus other relevant purchase costs.
Mortgage Term
The normal terms of a loan in Spain is between 10-35 years. Regardless your term must complete before you are 75 years of age.
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Regulated Mortgage Brokers & Official Lenders
Sandtons only introduces you to Bank of Spain regulated mortgage brokers, ensuring you receive advice that adheres to the highest standards of financial conduct and transparency. By partnering with brokers holding official accreditation you can rest assured they will be thorough, detail oriented (AML) and registered with the Bank of Spain.
These brokers prioritise your best interests, focusing on your consumer rights and financial safety. This curated network includes regulated expert in diverse mortgage types from complex non-resident financing to standard resident mortgages. Based on analysis data of your personal or financial circumstances, you are matched with a professional "Capable of Securing the best possible terms for you.
With over 30 active mortgage lenders in Spain including the Big Five (Santander, BBVA, CaixaBank, Bankinter, and Sabadell) and specialised lenders like UCI—the market is fragmented, with each institution applying slightly different risk criteria, affordability stress tests, and scoring structures. This variance is exactly why our Unique Introduction System is so valuable. Rather than making a generic referral to a local brokerage alone, we use our knowledge to match your specific profile with the lender most likely to offer the very best fit for you. We are selective about the brokers in our network because our Introduction fee from the provider, only in the event that your mortgage is successfully concluded.
Your Mortgage Application
AIP
Getting an Agreement in Principle (AIP) is the single most effective step you can take to position yourself as a serious buyer in the competitive Spanish property market. It signals to sellers and agents alike that your finances are prepared.
Your AIP confirms how much you can borrow, based on your income, debts, and overall affordability. It also helps you negotiate with confidence and avoid wasting time on properties outside your budget.
Want to learn more?
Visit our FAQ to understand the steps, documents, and timelines for getting a mortgage in Spain as a resident or non-resident, plus common questions about affordability and the costs of purchasing in each region.