Clear budgetUnderstand your real purchasing power from the start.
Property mortgages and finance
Mortgages and finance to buy property on the Costa Blanca
Prepare your budget, mortgage, costs and paperwork before buying in Torrevieja, Orihuela Costa or Guardamar.
Expected costsSee all the fees so there are no surprises.
Secure reservationArrive prepared and gain an edge in your purchase.
Making the right decision starts before the visit
Before you start looking
Before you fall in love with a home, make sure the numbers fit too.
We help you understand how far you can go — no rush, no surprises, just clear numbers. Our goal is that you make informed decisions and buy with peace of mind.
We review price, available deposit, purchase costs and a prudent monthly payment to avoid tight decisions.
Residence, income, age, country, job stability and the purpose of the property all influence the bank's assessment.
We clarify taxes, notary, registration, possible insurance, appraisal and the own funds needed to buy.
Preparing financing in advance helps you negotiate better and reduces delays between reservation, contract and signing.
Quick planner
A first look at your budget
Enter price, available funds, term and an indicative rate to see the instalment, mortgage and cash you should have ready.
Informative simulation assuming a maximum mortgage of around 80% and estimated costs. This is not a bank offer.
Common examples
How much money to have ready
These examples help illustrate the difference between price, mortgage, monthly payment and own funds before choosing a home.
150.000 EUR
Payments from 416 EUR/month
Funds to allow from 52.500 EUR
200.000 EUR
Payments from 554 EUR/month
Funds to allow from 70.000 EUR
250.000 EUR
Payments from 693 EUR/month
Funds to allow from 87.500 EUR
International buyer
If you buy from another country, profile matters
The lender may consider tax residency, income currency, job stability, age, intended use of the property and the documentation you can provide.
Residency can affect the percentage financed, required documents and the time needed for review.
It’s advisable to prepare payslips, tax returns, bank statements and, where relevant, translations or clear explanations.
A main home, holiday residence, investment or retirement purchase are not assessed in the same way.
Document checklist
What a lender typically asks for
Not every case is the same, but preparing information from the start avoids delays when the right property appears.
ID, contract, payslips, tax return, bank statements and current debts.
Tax filings, activity summary, accounts, statements and proof of income stability.
Pension certificate, recurring income, statements, age and asset situation.
Documents from your home country, income proofs, funds, NIE and possible translations.
Buying journey
From initial guidance to signing
Knowing the steps helps you reserve with confidence and arrive at the notary without improvisation.
We review price, funds, costs and an affordable repayment.
We organise the case to determine whether it’s worth proceeding with the bank.
We visit properties that fit your financial situation.
The reservation is coordinated with realistic deadlines for assessment, valuation and contract.
The bank provides personalised information and warnings before signing.
We coordinate signing, payments, documentation and next steps.
Frequently asked
Questions before reserving
Answering them in time avoids surprises when you really like a property.
How much does a bank normally finance?
As a reference, many transactions start with a mortgage of up to around 80% of the price or valuation, but it depends on the profile and the lender.
Are the fees included in the monthly payment?
No. Taxes, notary, registration, valuation, insurance and other costs are calculated separately and require your own funds.
Can I reserve before I have bank approval?
You can, but it’s wiser to review the financial scenario first so you don’t reserve a property without real margin.
What if the appraisal comes in low?
Financing may be reduced if the bank uses a lower valuation. That’s why it’s advisable to keep a cushion of personal funds.
Does MAYRASA approve mortgages?
No. MAYRASA advises and organises information; final approval always rests with the lending institution.
Guidance information, not a bank offer
Any instalments or percentages we discuss are informative examples. Final approval always depends on the financial institution, appraisal, solvency, documentation, age, buyer profile and current conditions.