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Documents needed for a mortgage in Spain
To make the process of getting a mortgage as brief and problem free as possible it is important to provide all of the required
documents. Below we have gathered a list of the minimum documents required to apply for a mortgage. The list may vary
slightly from bank to bank and with individual circumstances. But, providing the below will create a strong starting point.
General documents everyone needs to supply
- National identity document or passport
- Foreigner’s ID number (NIE)
- Proof of address (recent utility bill, bank letters, etc.)
- Purchase contract/option contract (if available)
- Proof of deposit
- Proof of other source of income
- Credit Report from your home country
- Bank statements of the last 6 months
- Last mortgage statement (if applicable)
- Lease contract (if applicable)
- Nota del registro (if available)
Employees
- 3 last salary slips
- Last Tax return (Last P60 for UK. Last Tax Return for USA and Canada. Declaración de la renta for Spain)
- Employment contract
- Letter from the Company (the Company letter must indicate the type of contract, seniority, annual salary and post of the employee)
Self-employed
- Last 2 years Tax return (SA302 for UK. P21 or Notice of assessments for Ireland. Last tax return for USA and Canada)
- Annual Accounts for the last two years
- Accountant’s Certificate stating income information and occupation (from Chartered accountant)