Situation
The non-resident client with foreign income received three mortgage refusals: difficulty verifying foreign income, no Spanish credit history. Barcelona apartment: €480,000. 2026 market context: Euribor 12M ≈ 2.80% (June 2026). Banks typically finance non-residents at 60–70% LTV; variable rate: Euribor + 0.80–1.99%; fixed rate: 3.2–4.5% for 20–25 years.
Solution
Our firm prepared a full financial profile: apostilled income certificates, translated foreign bank statements, creditworthiness and asset report. As an official BBVA and Sabadell agent, we submitted via Private Banking direct channel with a personal manager. A six-bank comparison identified the optimal product.
Result
€288,000 mortgage (60% LTV) approved for 20 years at Euribor 12M + 0.89% (zero annual fee). Notarial deed: 7 weeks. Savings vs. initial offers: ~€22,000.
