Mortgage Score Calculator
Update the sections to get live results on your purchase and mortgage options
How do banks score you?
The way banks score you is different in every country.
In Spain, banks look at your taxed income, and how much debt you manage.
Our calculator takes these figures into account and gives you an accurate score out of 100.
Accurate scoring system
Unlike other tools on the internet that gives a bank tasks of and produces an accurate percentage score that mirrors how lenders assess your profile.
If your score is above 60%, there is a very good chance you will qualify for a mortgage, and the higher your score, the stronger your chances of approval.
Factors
Monthly Income
Your total income each month after tax. If you are buying with another person, you can combine these figures.
Monthly Debt
All regular payments: car loans, credit card bills. Add up how much you pay in total each month and add this loan figure.
Loan Amount
The maximum LTV (loan to value) you can borrow is 70% if you are a non-tax resident. So the loan figure assumes this total value.
Taxes & Costs
This is based on where you purchase, local taxes plus other relevant purchase costs.
Mortgage Term
The normal terms of a loan in Spain is between 10-35 years. Regardless your term must complete before you are 75 years of age.
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Regulated Mortgage Brokers & Official Lenders
Sandtons only introduces you to Bank of Spain regulated mortgage brokers, ensuring you receive advice that adheres to the highest standards of financial conduct and transparency. By partnering with brokers holding official accreditation you can rest assured they will be thorough, detail oriented (AML) and registered with the Bank of Spain.
These brokers prioritise your best interests, focusing on your consumer rights and financial safety. This curated network includes regulated expert in diverse mortgage types from complex non-resident financing to standard resident mortgages. Based on analysis data of your personal or financial circumstances, you are matched with a professional 'Capable of Securing the best possible terms for you.
With over 30 active mortgage lenders in Spain including the Big Five (Santander, BBVA, CaixaBank, Bankinter, and Sabadell) and specialised lenders like UCI—the market is fragmented, with each institution applying slightly different risk criteria, affordability stress tests, and scoring structures. This variance is exactly why our Unique Introduction System is so valuable. Rather than making a generic referral to a local brokerage alone, we use our knowledge to match your specific profile with the lender most likely to offer the very best fit for you. We are selective about the brokers in our network because our Introduction fee from the provider, only in the event that your mortgage is successfully concluded.
Your Mortgage Application
AIP
Getting an Agreement in Principle (AIP) is the single most effective step you can take to position yourself as a serious buyer in the competitive Spanish property market. It signals to sellers and agents alike that your finances are pre-verified, giving you a distinct advantage over other potential buyers who may lack equivalent proof of readiness.
An AIP not only defines exactly how much you can borrow (typically 60-70% Loan-to-Value for non-residents), so you can view affordability with confidence, but it also significantly accelerates the final legal process, ensuring you are ready to move quickly when you find the right property.
Key questions answered
Buying in a foreign country will likely be different from buying in your home country.