Mortgage
Viability Calculator

Net Annual Income:

(Your total income after tax, per year)

Ongoing financial commitments:

(Annual costs like mortgage payments, loans, credit cards, rent, etc.)

Available savings for the purchase:

(The amount you plan to contribute from your own funds)

Age of the oldest applicant:

(Used to calculate the maximum mortgage term)

Are you a Spanish resident?

(Yes / No — affects financing conditions)

Maximum property price you could afford:

Viability:

What type of property can you afford in Spain?

This smart calculator provides you with a realistic view of what you could spend on a property in Spain, based on the same factors that banks consider when reviewing mortgage applications.

Estimated purchase costs (≈12%: taxes, notary, registration…)

Assumed interest rate (we work with a standard 3% to make it more realistic).

It’s more than just a simple estimate: it’s based on real banking criteria and realistic assumptions.

Think of it as your first checkpoint, but without pressure.

Want real answers?

If you’re planning to buy a property in Spain and want expert advice tailored to your goals, complete our free consultation form. We’ll analyze your complete profile and explain exactly what’s possible and how to optimize your budget.

Because you’re not just buying bricks and mortar.

You’re building your life in Spain. Let’s make sure it’s viable.