Dr. Ferenc Bindics
Dr. Ferenc Bindics, LL.M.Attorney at law, real estate and tax. Member of the Budapest and Málaga bar associations.

Buy your home on the Costa del Sol with a Spanish mortgage.

For every euro you bring, the bank brings one to one and a half more.

Calculate your payment Book a consultation
APRC
2.5–2.75%
Bank financing
up to 70% of the price
In Polish
agent, loan officer, lawyer

A Spanish mortgage with a Polish-speaking team

Loan & More arranges bank financing for homes on the Costa del Sol and works with a Polish-speaking estate agent, loan officer and lawyer.

  • Bank financing

    A Spanish bank finances up to 70% of the price. Your Polish-speaking loan officer prepares the application with you.

  • Property search

    Not chosen a home yet? A Polish-speaking estate agent searches with you within your budget.

  • Legal security

    A Polish-speaking lawyer checks the property and the contract before you sign at the notary.

Monthly payment calculator

Enter the price of the home, your down payment, the interest rate and the term. Banks in Spain finance up to 70% of the price.

First payment

Estimated monthly payment

€0.00

  • Down payment
  • Loan
  • Interest
Term
Interest rate
Down payment
Loan amount
Total interest
Total of all payments

Send me this financing plan

The figures are estimates for information only and are not a loan offer. Actual payments depend on the bank's assessment, fees and changes in the interest rate.

One point of contact, from the first call to the notary.

Book a consultation

Frequently asked questions

Anything else? Call +34 609 838 005 or send a request below.

How much can I borrow?

Up to 70% of the purchase price. The exact amount depends on your income, your existing commitments and the bank's valuation of the property.

Can I get a mortgage in Spain if I live in Poland?

Yes. Banks in Spain lend to non-residents, and your Polish-speaking loan officer prepares the application with you.

What does 2.5–2.75% APRC mean?

APRC is the total yearly cost of the loan, including interest and fees. The range shows current indicative terms. Your personal offer comes from the bank after it reviews your application.

Which costs come on top of the price?

In Andalusia, 7% transfer tax on a resale home, plus notary, land registry and legal fees. Plan for about 10% of the price. New builds are taxed differently, and your lawyer confirms the figure before you commit.

Do I need to be in Spain during the process?

Not for every step. With a power of attorney signed before a notary, your lawyer can handle the paperwork. To buy, you also need a Spanish identification number for foreigners (NIE).

Book a consultation

Tell us what you plan to buy. Dr. Bindics replies with a realistic financing picture and the next steps.

Office hours
Monday to Friday, 9:00–18:00

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