If you're applying for a Spanish mortgage as a non-resident, this is the paperwork you'll be asked to gather. The list below is grouped so you can work through it and tick items off as you collect them. Every Spanish bank has its own variations, so treat this as the core set rather than an exhaustive rulebook for every lender. For the full mortgage process overview, read our mortgage guide for Spain.
Before you start
Some of these documents need to be officially translated or carry an apostille before a Spanish bank will accept them. Which documents, and whether an apostille is required, depends on the bank and on your specific file.
Banks generally ask for both: the return (what you declared) and the final assessment (what the tax authority confirmed).
Variation by income type
Self-employed: add two years of annual accounts and business tax returns. The documentation load is noticeably heavier.
Company director / shareholder: add dividend documentation, annual accounts, and an accountant's statement if requested.
Possibly also requested: business bank statements if you're self-employed.
Possibly also requested: a credit report from your home country, or proof that you have no outstanding debts.
This is the section where non-resident files most often need extra backup. A bank statement proves a balance exists; it doesn't prove where the money came from. For each source, be ready to show its origin:
One rule worth knowing up front: Spanish banks generally don't treat borrowed money as part of your own contribution. Funds raised through a loan or a higher mortgage in your home country usually won't count toward your own input. Use our estimated own funds calculator to understand what you'll typically need to bring.
Working through this list and want to know whether a Spanish mortgage is feasible for you? A Mortgage File Check assesses your situation as a non-resident and what you need.
See the Mortgage File Check →This checklist is indicative and intended as general guidance only. It is not mortgage advice. Every bank sets its own requirements and may request additional documents. The mortgage advice itself comes from a Spanish adviser certified for it under Ley 5/2019, and whether the application goes through is decided by the bank.
Last updated: June 2026
The complete guide to arranging a mortgage in Spain as a non-resident — from preparation to signing.
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