Yes. Spanish banks actively lend to non-resident buyers, and financing is one of the most common ways international clients purchase property in Marbella and across the Costa del Sol. Non-residents typically secure 60–70% of the property value, while Spanish tax residents may obtain up to 80%. As your real estate agency, SOBE Invest coordinates the process with mortgage brokers and banks so financing moves in parallel with your property search.

Plan for 30–40% of the purchase price as a down payment, plus roughly 10–12% for taxes and fees. For a €1M villa on the Costa del Sol, that means budgeting around €400,000–€520,000 in own funds. Our agents prepare a full cost breakdown for every property we present, so there are no surprises at the notary.

Typically: passport and NIE (Spanish tax identification number), proof of income (tax returns, payslips or company accounts), bank statements for the last 6–12 months, and a credit report from your home country. Self-employed buyers and business owners provide company documentation. SOBE Invest's agents guide clients through the NIE application and document preparation as part of our advisory service in Marbella.

Spanish banks offer fixed, variable (Euribor-linked) and mixed-rate mortgages. Rates for non-residents are usually slightly higher than for residents and depend on your profile, income currency and the loan-to-value ratio. Rather than quoting a number that changes monthly, we connect clients with specialist brokers who compare offers across banks — often securing better terms than walking into a branch directly.

From complete application to formal offer, expect 4–8 weeks, including the bank's property valuation. This is why experienced real estate agents on the Costa del Sol recommend starting pre-approval before you find the property — a buyer with financing in place negotiates from a far stronger position, especially on off-market listings where sellers value certainty.

Strongly recommended. Pre-approval defines your realistic budget, speeds up the purchase once you find the right home, and signals to sellers that you are a serious buyer. In Marbella's prime segment, well-priced properties move quickly — clients of our agency who arrive with financing arranged consistently secure better outcomes.

Since 2019, banks pay most mortgage set-up taxes and notary costs. The buyer typically covers the property valuation (€300–€600), an arrangement fee of up to 1% depending on the bank, and home insurance, which is usually required. These sit on top of standard purchase costs — transfer tax or VAT, lawyer, notary and registry fees — which our Marbella team itemises for every transaction.

A boutique agency like SOBE Invest does more than show properties. We introduce trusted mortgage brokers and lawyers, structure the timeline so financing, due diligence and the private purchase contract align, and negotiate on your behalf. For international buyers relocating or investing on the Costa del Sol, having one advisor coordinate agents, banks and legal counsel turns a complex cross-border purchase into a managed process.