Mortgage Direct
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Spanish mortgage calculators

Calculate your 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.

Mortgage lenders typically require that your DTI is a maximum of 35-40% which must include the new mortgage payment. They will look at your monthly net income and monthly debts (including any significant expenses such as rental payments).

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Self-employed? Please give your net profit after tax (divided by 12).
Important The following three dropdowns are designed to be used multiple times. Each time you make a new selction, we will provide a new box for the totals. Don't worry, they can also be deleted if you make a mistake. Please use these boxes as many times as required....
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For your information: The current Euribor rate (checked within 24 hours) is: 2.06 We prefilled that for you, but please change it if required.
Please note: Maximum term is to age 75 (or 67 if a suitable pension isn't in place), even if you intend on working past age 67.

Calculate your Spanish mortgage eligibility (maximum loan amount) based on your financial profile. Please bear in mind that the calculation is approximate and will slightly vary depending on various factors, such as bank and type of mortgage.

€
Self-employed? Please give your net profit after tax (divided by 12).
Important The following three dropdowns are designed to be used multiple times. Each time you make a new selection, we will provide a new box for the totals. Don't worry, they can also be deleted if you make a mistake. Please use these boxes as many times as required....
For your information: The current Euribor rate (check within 24 hours) is: 2.06 For your information: We prefilled that for you, but please change it if required.

Your results will appear here

Calculate the (monthly and lifetime) savings you could have by refinancing your mortgage. Please bear in mind that the calculation is approximate and will slightly vary depending on various factors, such as the achievable interest rate.

About your current mortgage...

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Note: please be aware that the Bank of Spain has ordered that during 2023 all costs of amortization will not be paid by the mortgage owner (meaning 0% )

About the new mortgage...

For your information: The current Euribor rate (checked within 24 hours) is: 2.06 We prefilled that for you, but please change it if required.

Your results will appear here

Calculate your mortgage repayments

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A simple calculator for converting currencies, rates are updated hourly.

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Fantastic service! We had a slightly complicated situation due to being non-residents and thought we would only be able to get a variable rate mortgage. Will was able to get... read on

Excellent service provided throughout. Will Roberts was fantastic for us and guided us through the process. I would highly recommend this broker

An excellent service Stevan was very helpful from start to finish guiding me through and giving advice all the way. I would certainly recommend anyone looking for a mortgage in... read on

Nigel Smith

Super snel geholpen door Jacqueline Moulen. Zeer prettig contact. Zij hebben erg veel kennis van de Portugese hypotheekmarkt. Aanrader als je een hypotheek nodig hebt in Portugal.

Marjolein Scholman
Netherlands

We recently used Howard from Mortgage Direct for the purchase of a property in Spain. From day one Howard listened to our requirements and actually exceeded what we set out to... read on

Jose Pizarro

Would highly recommend Mortgage Direct if you're looking to buy a property in Spain. Simon Staples looked after us throughout our journey and was very knowledgeable. professional and always on hand... read on

Julie Ruby
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