Spain

Getting a mortgage in Spain as a foreign buyer has become more profile-dependent in 2026. After several years of sharp rate increases, the market has become more predictable, although the 12-month Euribor still needs to be monitored closely. Spanish lenders have adjusted their mortgage products to the new risk environment. Mortgages remain available for inte...

Why Spanish Property Checks are Getting Tighter Foreign buyers can purchase property in Spain without major ownership restrictions, but the financial side of the transaction now requires clear documentation. Before completion, banks, agencies, lawyers, and notaries must verify the buyer’s identity, source of funds, and payment route. KYC and AML checks rarel...

What Is a TIE Card in Spain and What Is It Used For? The TIE, or Tarjeta de Identidad de Extranjero, is a physical identity card for foreign nationals in Spain. It confirms that a person has a recognised right to stay in the country under a specific immigration route. The card does not replace a passport and does not give the right to live in Spain by itself...

Types of Rental Income in Spain For many foreign buyers, a home in Spain is not only a place for holidays or future relocation. It can also help cover annual ownership costs and bring in income when the owner is not using it. Property in Spain can be rented out in several ways: as a long-term rental, seasonal rental, short-term tourist rental, or through a m...

What is an NIE Number in Spain? NIE stands for “Número de Identidad de Extranjero” in Spanish, which means Foreigner Identity Number. It is a unique, personal number assigned to foreign individuals by the Spanish authorities. This number is essential for many legal, financial, and administrative activities in Spain. Unlike a residence permit, the NIE is only...