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Mortgage calculator Spain

The monthly payment is only part of the picture. Free mortgage calculator for Spain: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.

Costs on top of the price

€23,625

Resale home · Andalucía ·

9.5% of the price

Transfer tax (ITP)€17,500

Notary & land registry€2,500

Lawyer€3,025

Independent survey€600

Cash needed if you buy outright€273,625

Price

What do you want to work out?

Your monthly repayments, the deposit and the cash you need on day one.

Region

Price

Deposit · 25%

Interest rate % (example)

Term (years)

Monthly repayment

€90925 years at 3.2%

Loan

€187,500

Deposit

€62,500

Total interest

€85,132

If rates rise 1%

€1,011

If rates rise 2%

€1,118

Cash needed on day one

€86,125

Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Where are you buying?

Each country, with its own rules

Tap a country to load its taxes, regions and buyer types.

🇬🇧United KingdomStamp duty 0–12%🇺🇸United StatesClosing costs 2–5%🇪🇸SpainITP 6–13% or VAT 10%🇫🇷FranceNotaire 7–8%🇮🇹ItalyRegistration 2–9%🇵🇹PortugalIMT + 0.8% stamp 🇩🇪GermanyTransfer tax 3.5–6.5%🇮🇪IrelandStamp duty 1–6%🇳🇱NetherlandsTransfer tax 0–8%🇧🇪BelgiumRegistration 2–12.5%🇦🇹Austria3.5% + 1.1% registry 🇬🇷GreeceTransfer tax 3.09%🇨🇾CyprusTransfer fee 3–8%🇲🇹MaltaStamp duty 5%🇭🇷CroatiaTransfer tax 3%🇦🇪Dubai (UAE)DLD fee 4%🇦🇺AustraliaStamp duty by state 🇳🇿New ZealandNo stamp duty 🇨🇦CanadaLand transfer tax

Next steps

Get quotes · Spain

Buying in Spain: common questions

How much is ITP (transfer tax) on €250,000 in Spain?

Resale home in Andalucía: ITP (transfer tax) is about €17,500. All buying costs together come to about €23,625, or 9.5% of the price. Change the price or buyer type above to see your own figure.

Do foreign buyers pay more in Spain?

No. Foreign buyers pay the same purchase taxes as local buyers in Spain. Some rules on who can buy, or which rate applies, can still depend on where you live.

Can foreigners buy property in Spain?

No general limits on foreign buyers. The golden visa through property ended in April 2025.

What do I need to buy a home in Spain from abroad?

An NIE (foreigner's tax number). A Spanish bank account to pay taxes and bills.

When were these Spain rules last checked?

We last updated the figures on 15 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.