Rates move, and bank-specific policy shifts happen more often than most buyers expect. Here’s the clearest snapshot we can give for where non-resident mortgage pricing stands in 2026, bank by bank.
| Bank | Fixed rate (approx.) | Variable rate (approx., all-in) | Max LTV, non-resident |
|---|---|---|---|
| Banco Sabadell | From ≈2.6–3%+ | Euribor + 1.5–2% | Up to 70% |
| BBVA | From ≈2.7%+ | Euribor + 1.7–2.3% | Up to 70% |
| Bankinter | From ≈2.8%+ | Euribor + 1.8–2.5% | Up to 60% |
| CaixaBank | From ≈2.6%+ | Euribor + 1.6–2.2% | Up to 70% |
| Santander | Limited non-resident availability | Limited non-resident availability | Varies, often declined |
These figures are indicative starting points, not guaranteed offers — your actual rate depends on loan size, LTV, linked products, and individual underwriting. Rates on loans above €500,000 are increasingly structured as variable or mixed rather than full fixed-term, a shift several major lenders made in early 2026.
Why Rates Vary So Much Between Quotes
- Loan-to-value — lower LTV (bigger deposit) often unlocks better pricing
- Linked products — taking the bank’s home insurance, life insurance, or payroll/income routing typically shaves a meaningful amount off the headline rate
- Loan size — larger loans sometimes get more competitive pricing, though 2026’s fixed-rate restrictions cut the other way for high-value non-resident loans
- Applicant profile — strong, simple, well-documented income typically gets better terms than complex or self-employed income
How to Get an Accurate, Current Quote
Published rates shift regularly with Euribor and individual bank strategy, so treat any table like this (including this one) as a starting reference point, not a locked-in number. Request current written quotes from at least three lenders once you’re ready to apply, since the gap between advertised and actual offered rates can be meaningful.
Frequently Asked Questions
How often do these rates change?
Fixed rates adjust periodically with market conditions and bank strategy; variable rates track Euribor, which is reviewed and published regularly — treat any specific percentage as a snapshot, not a permanent figure.
Do non-EU buyers get worse rates than EU buyers who are also non-resident?
Non-resident status matters more than EU/non-EU nationality specifically for pricing purposes — both groups generally face the same LTV limits and rate structures as non-residents.
Is it worth waiting for rates to drop before buying?
Timing the rate market is inherently uncertain; many buyers instead focus on locking a rate they can comfortably afford today, with the option to remortgage later if rates fall significantly.