{"id":1447,"date":"2026-06-18T11:05:19","date_gmt":"2026-06-18T09:05:19","guid":{"rendered":"https:\/\/altavistafinance.com\/?page_id=1447"},"modified":"2026-10-16T18:34:45","modified_gmt":"2026-10-16T16:34:45","slug":"hipotecas-compradores-internacionales","status":"publish","type":"page","link":"https:\/\/altavistafinance.com\/en\/services\/mortgages\/hipotecas-compradores-internacionales\/","title":{"rendered":"International buyers"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1447\" class=\"elementor elementor-1447 elementor-1446\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64d965e2 e-con-full faq-hero-container e-flex e-con e-parent\" data-id=\"64d965e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b376ef1 e-grid hipotecas-hero-grid e-con-boxed e-con e-child\" data-id=\"b376ef1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f0780a1 hipotecas-hero-grid-imagen elementor-widget elementor-widget-image\" data-id=\"6f0780a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"447\" height=\"251\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/lukas-tennie-d6DtdiBxBVc-unsplash-1-3.webp\" class=\"attachment-large size-large wp-image-3825\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/lukas-tennie-d6DtdiBxBVc-unsplash-1-3.webp 447w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/lukas-tennie-d6DtdiBxBVc-unsplash-1-3-300x168.webp 300w\" sizes=\"(max-width: 447px) 100vw, 447px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3276aad8 hipoteca-banner-sello elementor-absolute elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"3276aad8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"152\" height=\"152\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/faq-hero-sello.svg\" class=\"attachment-large size-large wp-image-3276\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-164d566f elementor-widget elementor-widget-heading\" data-id=\"164d566f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">INTERNATIONAL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7aaf24aa home-banner-big-title elementor-widget elementor-widget-heading\" data-id=\"7aaf24aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BUYERS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b750677 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3b750677\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>International buyers purchasing property in Spain can access mortgage financing with an LTV between 60% and 75%, terms of between 20 and 30 years, and conditions that vary depending on income currency, financial profile, and property type. The entire process\u2014from the initial consultation to signing before a notary\u2014takes between 8 and 12 weeks.<\/p><p>The Spanish mortgage market for international buyers is complex: each financial institution applies different criteria to income sources, currencies, property types, and ownership structures. A case one bank rejects automatically may be readily financed by another. Altavista Finance understands these criteria in detail and knows exactly which institution is the right fit for each international buyer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4772c6e5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4772c6e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">GET IN TOUCH<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e8545f4 e-con-full e-flex e-con e-parent\" data-id=\"2e8545f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80d870e contacta-nosotros-letter-light elementor-widget elementor-widget-template\" data-id=\"80d870e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"755\" class=\"elementor elementor-755 elementor-736 elementor-736\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff723f home-entidades-container e-flex e-con-boxed e-con e-parent\" data-id=\"41ff723f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be7f933 elementor-widget elementor-widget-image\" data-id=\"5be7f933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"181\" height=\"39\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Logo_Banco_de_Espana.svg-1.svg\" class=\"attachment-large size-large wp-image-248\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19665259 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"19665259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b256ec elementor-widget elementor-widget-heading\" data-id=\"43b256ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50+ financial institutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771025a6 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"771025a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429222a elementor-widget elementor-widget-image\" data-id=\"7429222a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Trustpilot-4-7-1.png\" class=\"attachment-large size-large wp-image-250\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bfb3d60 e-flex e-con-boxed e-con e-parent\" data-id=\"4bfb3d60\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-161a2d53 elementor-widget elementor-widget-heading\" data-id=\"161a2d53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">WHO CAN GET A MORTGAGE AS AN INTERNATIONAL BUYER<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fbd4319 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1fbd4319\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Any adult individual can apply for a mortgage in Spain as an international buyer, although the terms vary significantly depending on their profile. Key factors include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba1ba0d home-asesorar-container home-asesorar-container-activo-2 e-con-full e-flex e-con e-child\" data-id=\"ba1ba0d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-33054f5c e-con-full home-asesorar-bloque home-asesorar-bloque-1 e-flex e-con e-child\" data-id=\"33054f5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ef315e9 e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"ef315e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f0b7c elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"a6f0b7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Tax residence<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d329aa home-asesorar-bloque-text elementor-widget elementor-widget-text-editor\" data-id=\"1d329aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For financing purposes, an international buyer is anyone who earns and declares their income abroad, regardless of where they physically reside. This distinction determines the financing terms, maximum LTV, and required documentation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4800eb05 home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"4800eb05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"331\" height=\"540\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-10-1.webp\" class=\"attachment-large size-large wp-image-3826\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-10-1.webp 331w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-10-1-184x300.webp 184w\" sizes=\"(max-width: 331px) 100vw, 331px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e633dd2 e-con-full home-asesorar-bloque home-asesorar-bloque-2 home-asesorar-bloque-activo e-flex e-con e-child\" data-id=\"7e633dd2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-29a9104d e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"29a9104d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-355ad142 elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"355ad142\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Income currency<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-221723eb home-asesorar-bloque-text elementor-widget elementor-widget-text-editor\" data-id=\"221723eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The currency in which income is earned is one of the most important factors. Depending on the currency and income structure, the buyer may access financing as an individual or through a property-holding company.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a55766a home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"a55766a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"331\" height=\"540\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-17-1.webp\" class=\"attachment-large size-large wp-image-3827\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-17-1.webp 331w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-17-1-184x300.webp 184w\" sizes=\"(max-width: 331px) 100vw, 331px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-235a5730 e-con-full home-asesorar-bloque home-asesorar-bloque-3 e-flex e-con e-child\" data-id=\"235a5730\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-56b1197 e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"56b1197\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92919fb elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"92919fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Profile complexity<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73bf7a9 home-asesorar-bloque-text elementor-widget elementor-widget-text-editor\" data-id=\"73bf7a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Profiles with complex structures\u2014multiple companies, income across several jurisdictions, or indirect ownership\u2014require institutions with flexible criteria and experience in international financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30df2d6b home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"30df2d6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"331\" height=\"540\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-14-1.webp\" class=\"attachment-large size-large wp-image-3828\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-14-1.webp 331w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-14-1-184x300.webp 184w\" sizes=\"(max-width: 331px) 100vw, 331px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41d920fa e-con-full home-asesorar-bloque home-asesorar-bloque-4 e-flex e-con e-child\" data-id=\"41d920fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5797c915 e-con-full home-asesorar-bloque-texts e-flex e-con e-child\" data-id=\"5797c915\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32ca77f6 elementor-align-left home-asesorar-bloque-boton elementor-widget elementor-widget-button\" data-id=\"32ca77f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Property type<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d7dacdc home-asesorar-bloque-text elementor-widget elementor-widget-text-editor\" data-id=\"2d7dacdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Primary residence, second home, buy-to-let investment, rural property, or commercial property: the terms vary. Some institutions do not finance certain property types or locations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bfc854a home-asesorar-bloque-image elementor-widget elementor-widget-image\" data-id=\"3bfc854a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"331\" height=\"540\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-16.webp\" class=\"attachment-large size-large wp-image-3829\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-16.webp 331w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/Frame-16-184x300.webp 184w\" sizes=\"(max-width: 331px) 100vw, 331px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17f683aa contacta-nosotros-letter-light e-flex e-con-boxed e-con e-parent\" data-id=\"17f683aa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67c19123 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"67c19123\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TYPICAL TERMS FOR INTERNATIONAL BUYERS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43813f53 elementor-widget__width-initial elementor-widget elementor-widget-altavista-table-2col\" data-id=\"43813f53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altavista-table-2col.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"altavista-table-wrapper\">\n\t\t\t<table class=\"altavista-table\">\n\t\t\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>ITEM<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>TYPICAL RANGE<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Loan-to-Value (LTV)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>60%\u201375%<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Interest rate<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>2%\u20135% (fixed, variable, or mixed)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Term<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>20\u201330 years<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Minimum down payment<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>25%\u201340% of the purchase price<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Maximum age at maturity<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>75\u201380 years (depending on the institution)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Process duration<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>8\u201312 weeks<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2483d209 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2483d209\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>These figures are indicative. The specific terms depend on the buyer&#8217;s profile, the financial institution, and market conditions at the time of application. AVF works with more than 50 institutions and knows each one&#8217;s actual terms\u2014not just their published terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e72e3e5 e-flex e-con-boxed e-con e-parent\" data-id=\"1e72e3e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5aba3f1c elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"5aba3f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PURCHASE COSTS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7fbbb0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d7fbbb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In addition to the down payment (25\u201340% of the purchase price), the buyer must budget for transaction costs. In total, these account for approximately 8% to 15% of the purchase price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75a0cf61 elementor-widget__width-initial elementor-widget elementor-widget-altavista-table-2col\" data-id=\"75a0cf61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altavista-table-2col.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"altavista-table-wrapper\">\n\t\t\t<table class=\"altavista-table\">\n\t\t\t\t\t\t\t\t\t<thead>\n\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>ITEM<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th>DETAILS<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<\/thead>\n\t\t\t\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Transfer Tax (ITP)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>For resale properties. It varies by autonomous community: between 6% and 13% of the purchase price. New-build properties are subject to VAT (10%) plus Stamp Duty (AJD).<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Valuation<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Official property valuation by an authorised valuer. Required for mortgage approval.<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Administrative agent<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Administrative processing of the transaction: tax settlement, Land Registry filing, and mortgage registration.<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Notary<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Formalisation of the sale deed and, where applicable, the mortgage deed.<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Estate agent<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Commission for brokering the purchase. Usually paid by the seller, but this varies by market and transaction.<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Mortgage adviser<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td>Credit intermediary fees. AVF operates on a success-fee model.<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c42bdb1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c42bdb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4>Total estimated: between 8% and 15% of the purchase price.<\/h4><p>AVF does not provide tax or legal advice, but works with specialist tax advisers and lawyers who can guide you on each of these items.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68ca48cb home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"68ca48cb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3a992c elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"c3a992c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HOW THE PROCESS WORKS<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4267fbb1 e-con-full e-grid e-con e-child\" data-id=\"4267fbb1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7551e482 e-con-full e-flex e-con e-child\" data-id=\"7551e482\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3feaa7 elementor-widget elementor-widget-heading\" data-id=\"4b3feaa7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">01<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d3e0944 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"3d3e0944\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Pre-qualification<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fb230f8 elementor-widget elementor-widget-text-editor\" data-id=\"2fb230f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We assess your financial profile, nationality, property type, and objectives. We identify the institutions best suited to your case and design a financing strategy. We tell you exactly which documents you need and in what format.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-410202f8 e-con-full e-flex e-con e-child\" data-id=\"410202f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62ce66dc elementor-widget elementor-widget-heading\" data-id=\"62ce66dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">02<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a46624b afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"4a46624b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Documentation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-215bb1df elementor-widget elementor-widget-text-editor\" data-id=\"215bb1df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We prepare and translate everything the institutions need to assess your profile. We verify every document before submission.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f22bb69 e-con-full e-flex e-con e-child\" data-id=\"5f22bb69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a475b37 elementor-widget elementor-widget-heading\" data-id=\"4a475b37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">03<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-152c3d40 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"152c3d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Pre-approval<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e881b8d elementor-widget elementor-widget-text-editor\" data-id=\"5e881b8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We submit your application to selected institutions from our panel\u2014not to all of them, only those that fit your profile. We receive and analyse the offers, negotiate the terms, and present the options with a clear comparative analysis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7de378d e-con-full e-flex e-con e-child\" data-id=\"7de378d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb39ba4 elementor-widget elementor-widget-heading\" data-id=\"cb39ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">04<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b722870 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"b722870\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Valuation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3655c6d elementor-widget elementor-widget-text-editor\" data-id=\"3655c6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once the institution has been selected, we coordinate the property valuation with authorised valuers. We verify that the valuation supports the terms offered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9dd4df e-con-full e-flex e-con e-child\" data-id=\"b9dd4df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88fa939 elementor-widget elementor-widget-heading\" data-id=\"88fa939\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">05<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd9fabe afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"cd9fabe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Review and signing<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc984f5 elementor-widget elementor-widget-text-editor\" data-id=\"fc984f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We review all final terms with you. We accompany you to the notary and coordinate with the institution and all other parties so everything is transparent and follows the agreement.<\/p> \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1263efd1 e-con-full e-flex e-con e-parent\" data-id=\"1263efd1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:3817,&quot;url&quot;:&quot;https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/18Baber-House120865-CMYK-1-4.webp&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e0f1da4 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"7e0f1da4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50d62da4 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"50d62da4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COMMON CHALLENGES FOR INTERNATIONAL BUYERS<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a336aa2 e-grid e-con-full e-con e-child\" data-id=\"1a336aa2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-120ebe82 e-con-full e-flex e-con e-child\" data-id=\"120ebe82\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5d4b3741 e-con-full e-flex e-con e-child\" data-id=\"5d4b3741\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-322e8dcc headding-underline elementor-widget elementor-widget-heading\" data-id=\"322e8dcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Currency risk<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22a0b524 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"22a0b524\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a122fbe elementor-widget elementor-widget-text-editor\" data-id=\"a122fbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>When income is denominated in a currency other than euros, institutions apply reductions to affordability calculations to cover exchange-rate risk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19a5bfd9 e-con-full e-flex e-con e-child\" data-id=\"19a5bfd9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-57f76d9e e-con-full e-flex e-con e-child\" data-id=\"57f76d9e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5686bb37 headding-underline elementor-widget elementor-widget-heading\" data-id=\"5686bb37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Non-standard income<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-724a15e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"724a15e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8cf493 elementor-widget elementor-widget-text-editor\" data-id=\"2a8cf493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Self-employed buyers, company directors paid through dividends, and income from multiple jurisdictions require institutions with flexible criteria and experience in international structures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3610efc8 e-con-full e-flex e-con e-child\" data-id=\"3610efc8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-77f911d8 e-con-full e-flex e-con e-child\" data-id=\"77f911d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34d45701 headding-underline elementor-widget elementor-widget-heading\" data-id=\"34d45701\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Complex corporate structures<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-288b02b0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"288b02b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-205274b7 elementor-widget elementor-widget-text-editor\" data-id=\"205274b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Buyers with multiple companies, income spread across several legal entities, or indirect ownership structures present an additional layer of complexity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1916d270 e-con-full e-flex e-con e-child\" data-id=\"1916d270\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1aaea7b6 e-con-full e-flex e-con e-child\" data-id=\"1aaea7b6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7928959f headding-underline elementor-widget elementor-widget-heading\" data-id=\"7928959f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Timelines and remote coordination<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70bcdfbd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"70bcdfbd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-631ceb83 elementor-widget elementor-widget-text-editor\" data-id=\"631ceb83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Buying from abroad requires coordinating time zones, powers of attorney, and documents in different languages and formats. Poor coordination can delay the transaction by weeks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d372c38 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"6d372c38\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa3b6d2 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"6fa3b6d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BUYERS BY COUNTRY OF RESIDENCE<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c719b49 e-con-full e-flex e-con e-child\" data-id=\"c719b49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-61825541 e-con-full e-flex e-con e-child\" data-id=\"61825541\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-59806201 e-con-full e-flex e-con e-child\" data-id=\"59806201\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-244565af elementor-widget elementor-widget-heading\" data-id=\"244565af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">UK residents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-470a7b14 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"470a7b14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44f5e002 elementor-widget elementor-widget-text-editor\" data-id=\"44f5e002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The largest group of international buyers in Spain, concentrated on the Costa del Sol, the Balearic Islands, and the Costa Blanca.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f2239b0 e-con-full e-flex e-con e-child\" data-id=\"6f2239b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4827a36a e-con-full e-flex e-con e-child\" data-id=\"4827a36a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e94dd8e elementor-widget elementor-widget-heading\" data-id=\"e94dd8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">US residents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3838b6d2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3838b6d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d92cc5 elementor-widget elementor-widget-text-editor\" data-id=\"1d92cc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A growing market. These profiles need an intermediary with experience in the specific requirements of financing for US-based buyers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-137ed67e e-con-full e-flex e-con e-child\" data-id=\"137ed67e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7941fb6a e-con-full e-flex e-con e-child\" data-id=\"7941fb6a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e6868c elementor-widget elementor-widget-heading\" data-id=\"3e6868c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">French residents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7601b3b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7601b3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65b57f76 elementor-widget elementor-widget-text-editor\" data-id=\"65b57f76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Concentrated in Barcelona, the Costa Brava, and Ibiza. Relatively straightforward processes and good availability of lenders.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a6a1359 e-con-full e-flex e-con e-child\" data-id=\"3a6a1359\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-642774b6 e-con-full e-flex e-con e-child\" data-id=\"642774b6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-237ec916 elementor-widget elementor-widget-heading\" data-id=\"237ec916\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Dutch residents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56bc2b80 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"56bc2b80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2349bad1 elementor-widget elementor-widget-text-editor\" data-id=\"2349bad1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A strong expatriate community on the Costa Blanca and in the Balearic Islands. Generally well-documented profiles with smooth access to financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-292a96fc e-con-full e-flex e-con e-child\" data-id=\"292a96fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4a770685 e-con-full e-flex e-con e-child\" data-id=\"4a770685\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ac1a8fd elementor-widget elementor-widget-heading\" data-id=\"3ac1a8fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">UAE \/ Dubai residents<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c0515bd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7c0515bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61022af1 elementor-widget elementor-widget-text-editor\" data-id=\"61022af1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A growing HNW\/UHNW segment, concentrated in Marbella, Madrid, and the Costa Blanca. These buyers often have complex income structures that require private banking and tailored solutions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-154d91c6 servicios-funciona-container e-flex e-con-boxed e-con e-parent\" data-id=\"154d91c6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ab0b373 e-con-full e-flex e-con e-child\" data-id=\"ab0b373\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae4ab3c elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae4ab3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">REAL TRANSACTIONS WITH INTERNATIONAL BUYERS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68f498f elementor-align-left elementor-widget elementor-widget-button\" data-id=\"68f498f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/case-studies\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW REAL CASES<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38ac58c9 e-con-full e-flex e-con e-child\" data-id=\"38ac58c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36254b87 elementor-widget elementor-widget-image\" data-id=\"36254b87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"707\" height=\"512\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/servicios-funciona.webp\" class=\"attachment-large size-large wp-image-3815\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/servicios-funciona.webp 707w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/servicios-funciona-300x217.webp 300w\" sizes=\"(max-width: 707px) 100vw, 707px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb725ef home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"cb725ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b513a elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b513a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FREQUENTLY ASKED QUESTIONS ABOUT MORTGAGES FOR INTERNATIONAL BUYERS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8830e3e acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"8830e3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1420\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1420\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the maximum LTV for an international buyer in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1420\" class=\"elementor-element elementor-element-9320d48 e-con-full e-flex e-con e-child\" data-id=\"9320d48\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1420\" class=\"elementor-element elementor-element-27e56e4 e-con-full e-flex e-con e-child\" data-id=\"27e56e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c34e1a1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c34e1a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The typical LTV for international buyers ranges from 60% to 75%. This means the buyer needs to contribute 25% to 40% as a down payment, plus purchase costs\u2014taxes, notary fees, and registration\u2014which usually represent an additional 8% to 15%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1421\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1421\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does a mortgage in Spain cost for an international buyer? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1421\" class=\"elementor-element elementor-element-1e9ccfa e-con-full e-flex e-con e-child\" data-id=\"1e9ccfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1421\" class=\"elementor-element elementor-element-7cd5a4f e-con-full e-flex e-con e-child\" data-id=\"7cd5a4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de5b17d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"de5b17d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Interest rates for international buyers currently range from 2% to 5%, depending on the profile, the financial institution, and the mortgage type (fixed, variable, or mixed).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1422\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1422\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can a US resident get a mortgage in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1422\" class=\"elementor-element elementor-element-4245dd9 e-con-full e-flex e-con e-child\" data-id=\"4245dd9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1422\" class=\"elementor-element elementor-element-40c9cf7 e-con-full e-flex e-con e-child\" data-id=\"40c9cf7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-203ad6b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"203ad6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Some institutions in Spain work with US-based buyers and understand the specific requirements of these profiles. AVF has experience in this segment and knows which institutions are the best fit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1423\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1423\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I need an NIE to apply for a mortgage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1423\" class=\"elementor-element elementor-element-c1a43ca e-con-full e-flex e-con e-child\" data-id=\"c1a43ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1423\" class=\"elementor-element elementor-element-a5c7acf e-con-full e-flex e-con e-child\" data-id=\"a5c7acf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db47980 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"db47980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. The NIE (Foreigner Identity Number) is mandatory for any real estate transaction in Spain, including a mortgage application.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1424\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1424\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I get pre-approval before finding a property? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1424\" class=\"elementor-element elementor-element-d01a85a e-con-full e-flex e-con e-child\" data-id=\"d01a85a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1424\" class=\"elementor-element elementor-element-2ffe852 e-con-full e-flex e-con e-child\" data-id=\"2ffe852\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a01834d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a01834d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. AVF can assess your profile and obtain an indicative pre-approval before you have selected a specific property. Pre-approvals are valid nationwide.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1425\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1425\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How long does the mortgage process take for an international buyer? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1425\" class=\"elementor-element elementor-element-611243a e-con-full e-flex e-con e-child\" data-id=\"611243a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1425\" class=\"elementor-element elementor-element-338a46f e-con-full e-flex e-con e-child\" data-id=\"338a46f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac8bf7b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ac8bf7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Between 8 and 12 weeks from the initial consultation to signing before a notary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1426\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1426\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens if a bank rejects my application? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1426\" class=\"elementor-element elementor-element-451be3a e-con-full e-flex e-con e-child\" data-id=\"451be3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1426\" class=\"elementor-element elementor-element-1477e56 e-con-full e-flex e-con e-child\" data-id=\"1477e56\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d19bbdb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d19bbdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A rejection by one institution does not mean you cannot obtain financing. Each institution uses different criteria. AVF knows the criteria of more than 50 institutions and can redirect your application to those that best fit your profile.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1427\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1427\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What taxes and costs do I pay when buying property in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1427\" class=\"elementor-element elementor-element-c70dcc7 e-con-full e-flex e-con e-child\" data-id=\"c70dcc7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1427\" class=\"elementor-element elementor-element-8ec5215 e-con-full e-flex e-con e-child\" data-id=\"8ec5215\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1a4d01 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b1a4d01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Total purchase costs represent between 8% and 15% of the purchase price. They include Transfer Tax (6%\u201313%, depending on the autonomous community) or VAT (10%) for new-build properties, plus valuation, administrative, notary, and other costs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1428\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1428\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I buy through a company? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1428\" class=\"elementor-element elementor-element-3488456 e-con-full e-flex e-con e-child\" data-id=\"3488456\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1428\" class=\"elementor-element elementor-element-e54204f e-con-full e-flex e-con e-child\" data-id=\"e54204f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d64445b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d64445b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. The purchase can be financed through property-holding companies, SPVs, or other corporate structures. AVF has experience financing corporate purchases.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1429\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1429\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is the difference between working with AVF and going directly to a bank? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1429\" class=\"elementor-element elementor-element-15143b5 e-con-full e-flex e-con e-child\" data-id=\"15143b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1429\" class=\"elementor-element elementor-element-c1d2544 e-con-full e-flex e-con e-child\" data-id=\"c1d2544\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec3c827 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ec3c827\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A bank only offers its own products. AVF knows the actual terms of more than 50 financial institutions and identifies which one best fits each profile. We also negotiate the terms, support you throughout the process, and charge only if we secure the financing (success fee).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the maximum LTV for an international buyer in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The typical LTV for international buyers ranges from 60% to 75%. This means the buyer needs to contribute 25% to 40% as a down payment, plus purchase costs\\u2014taxes, notary fees, and registration\\u2014which usually represent an additional 8% to 15%.\"}},{\"@type\":\"Question\",\"name\":\"How much does a mortgage in Spain cost for an international buyer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Interest rates for international buyers currently range from 2% to 5%, depending on the profile, the financial institution, and the mortgage type (fixed, variable, or mixed).\"}},{\"@type\":\"Question\",\"name\":\"Can a US resident get a mortgage in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Some institutions in Spain work with US-based buyers and understand the specific requirements of these profiles. AVF has experience in this segment and knows which institutions are the best fit.\"}},{\"@type\":\"Question\",\"name\":\"Do I need an NIE to apply for a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The NIE (Foreigner Identity Number) is mandatory for any real estate transaction in Spain, including a mortgage application.\"}},{\"@type\":\"Question\",\"name\":\"Can I get pre-approval before finding a property?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. AVF can assess your profile and obtain an indicative pre-approval before you have selected a specific property. Pre-approvals are valid nationwide.\"}},{\"@type\":\"Question\",\"name\":\"How long does the mortgage process take for an international buyer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Between 8 and 12 weeks from the initial consultation to signing before a notary.\"}},{\"@type\":\"Question\",\"name\":\"What happens if a bank rejects my application?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A rejection by one institution does not mean you cannot obtain financing. Each institution uses different criteria. AVF knows the criteria of more than 50 institutions and can redirect your application to those that best fit your profile.\"}},{\"@type\":\"Question\",\"name\":\"What taxes and costs do I pay when buying property in Spain?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Total purchase costs represent between 8% and 15% of the purchase price. They include Transfer Tax (6%\\u201313%, depending on the autonomous community) or VAT (10%) for new-build properties, plus valuation, administrative, notary, and other costs.\"}},{\"@type\":\"Question\",\"name\":\"Can I buy through a company?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The purchase can be financed through property-holding companies, SPVs, or other corporate structures. AVF has experience financing corporate purchases.\"}},{\"@type\":\"Question\",\"name\":\"What is the difference between working with AVF and going directly to a bank?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A bank only offers its own products. AVF knows the actual terms of more than 50 financial institutions and identifies which one best fits each profile. We also negotiate the terms, support you throughout the process, and charge only if we secure the financing (success fee).\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f617b74 e-con-full contacta-nosotros-letter-light e-flex e-con e-parent\" data-id=\"6f617b74\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76534360 elementor-widget elementor-widget-template\" data-id=\"76534360\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"774\" class=\"elementor elementor-774 elementor-757 elementor-757\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a41b0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"a41b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41819a8b elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"41819a8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACT US<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-655aa3aa e-con-full e-flex e-con e-child\" data-id=\"655aa3aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43288274 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"43288274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are considering a real estate transaction in Spain and want to understand which options make sense to explore, we would be happy to talk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb3072e elementor-align-center elementor-tablet-align-left elementor-widget elementor-widget-button\" data-id=\"1bb3072e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>INTERNATIONAL BUYERS International buyers purchasing property in Spain can access mortgage financing with an LTV between 60% and 75%, terms of between 20 and 30 years, and conditions that vary depending on income currency, financial profile, and property type. The entire process\u2014from the initial consultation to signing before a notary\u2014takes between 8 and 12 weeks. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3463,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1447","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>International Buyer Mortgages in Spain | Altavista Finance<\/title>\n<meta name=\"description\" content=\"Mortgages for international buyers in Spain. 60\u201375% LTV, rates from 2%, and access to 50+ financial institutions. 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