What is the maximum age at which I can request a mortgage?

Age is one of several factors that banks consider when evaluating mortgage applications. While there are no specific regulations dictating a maximum age limit for mortgage applicants, financial institutions and banks typically establish age limits in accordance with their risk management policies. Generally, the age limit is set at around 75 years.


Age plays a significant role in the mortgage application process because as an individual’s age increases, the perceived risk of loan default also rises. Consequently, financial institutions determine the maximum age limit for mortgage applicants based on their risk assessment policies.


Furthermore, the age of the applicant naturally impacts the duration of the mortgage repayment period. Generally, the older the applicant, the shorter the term and therefore, the higher the monthly payment.

Basic Quote

Are you a Spanish Tax Residence?(Required)