Spanish Mortgage Calculators

With our Spanish mortgage calculators you easily assess your affordability, calculate mortgage payments and check your mortgage eligibility

Easy-to-use Spanish mortgage calculators

Our calculators are easy to use and can help you understand the requirements for getting a mortgage in Spain. By using them you can also speed up the mortgage process if you choose to apply for a mortgage through Mortgage Direct. However, please notice that the calculators are indicative as the Spanish banks treat all mortgage cases individually.

AFFORDABILITY CALCULATOR
MORTGAGE PAYMENT CALCULATOR
CURRENCY CALCULATOR

Affordability Calculator

Calculate your Spanish mortgage eligibility including your Debt To Income (DTI) ratio, which is used by the banks to determine whether you will be eligible for a mortgage in Spain. Mortgage lenders in Spain typically require that your DTI is a maximum of 35-40% which must include the new Spanish mortgage payment. They will look at your monthly net income and monthly debts (including any significant expenses such as rental payments). If needed you can use our currency calculator.

For self-employed applicants, please give your net profit,after tax figure (divided by 12) for the last tax year. if you are a Director of a Limited company, please write your net basic monthly income here and in additional income below, give your last net dividend payment made in the last tax year.

Please select all the options applicable for you

Maximum term is to age 75 or to age 67 if a suitable pension isn’t in place, even if you intend on working past age 67.

Mortgage payment calculator

Calculate your monthly repayment based on your loan amount and the desired term of the Spanish mortgage.

Loan Amount

Term (years)

Interest rate (%)

Monthly Repayment

Currency Calculator

Use our calculator to calculate your foreign currency exchange.

From

Amount

AFFORDABILITY CALCULATOR: Affordability Calculator

Calculate your Spanish mortgage eligibility including your Debt To Income (DTI) ratio, which is used by the banks to determine whether you will be eligible for a mortgage in Spain. Mortgage lenders in Spain typically require that your DTI is a maximum of 35-40% which must include the new Spanish mortgage payment. They will look at your monthly net income and monthly debts (including any significant expenses such as rental payments). If needed you can use our currency calculator.

For self-employed applicants, please give your net profit,after tax figure (divided by 12) for the last tax year. if you are a Director of a Limited company, please write your net basic monthly income here and in additional income below, give your last net dividend payment made in the last tax year.

Please select all the options applicable for you

Please select all the options applicable for you

Please select all the options applicable for you

Maximum term is to age 75 or to age 67 if a suitable pension isn’t in place, even if you intend on working past age 67.

Debt-To-Income Ratio

0
MORTGAGE PAYMENT CALCULATOR: Mortgage payment calculator

Calculate your monthly repayment based on your loan amount and the desired term of the Spanish mortgage.

Loan Amount

Term (years)

Interest rate (%)

Monthly Repayment
CURRENCY CALCULATOR: Currency Calculator

Use our calculator to calculate your foreign currency exchange.

From

To

Amount

Mortgage Application

We will guide you safely through the mortgage process so you can enjoy your new property in Spain