How to Buy a Property in Spain with a Mortgage as a Digital Nomad + Tips to Integrate into Spanish Culture

With the rise of remote work, many digital nomads are looking to settle down in Spain. Buying a property with a mortgage might seem challenging if you’re not a resident, but it’s absolutely possible with the right preparation. And once you’re here, adapting to the local culture will make your experience even more enjoyable. In this article, we explore both aspects in detail.

1. Buying Property in Spain with a Mortgage as a Digital Nomad

1.1 Mortgage Requirements for Digital Nomads

Spanish banks do offer mortgages to foreigners, although conditions can be stricter than for residents. Generally, you’ll need:

• Foreigner Identification Number (NIE): Essential for any financial transaction in Spain.
  
  
• Proof of Income: Banks will ask for documents showing stable income, such as tax returns or client contracts.
  
  
• Initial Savings: Typically, banks finance up to 70% of the property value for non-residents. That means you’ll need to cover at least 30% of the purchase price plus additional costs (taxes, notary, registration).
  
  
• Credit History: Expect the bank to request a credit report from your home country.
  
  

1.2 Choosing the Right Bank

Some banks are more experienced with foreign buyers—Banco Santander, BBVA, and CaixaBank are popular choices. Mortgage brokers can also simplify the process and negotiate better terms on your behalf.

1.3 The Purchase Process

1. Find the right property: Research the market based on your needs and budget. Consider factors like internet access, community, and public transport.
   
   
2. Make an offer and sign a reservation contract (“arras”): This involves paying a deposit, usually 10% of the property’s value.
   
   
3. Apply for the mortgage: Submit the required documents and wait for approval.
   
   
4. Sign before a notary: Once the mortgage is approved, the final purchase is formalized at a notary’s office.
   
   
5. Register the property: Complete the process by registering your new home with the Land Registry.
   
   

2. Tips for Integrating into Spanish Culture

2.1 Learn the Language

In large cities like Barcelona and Madrid, English is common—but learning Spanish, or even a regional language like Catalan or Galician, will help you integrate and connect with locals on a deeper level.

2.2 Embrace the Local Lifestyle

• Schedules: The main meal of the day is lunch, typically between 2–4 PM.
  
  
• Siesta: While less common in cities, some small towns still observe midday breaks.
  
  
• Social life: Spaniards value community and connection. Attending local events or meetups is a great way to make friends.
  
  

2.3 Get Used to Bureaucracy

Spanish bureaucracy can be slow and complex. Be patient, and when in doubt, hire a gestor (a local admin expert) or a lawyer to help you with paperwork like your NIE or empadronamiento (local registration).

2.4 Enjoy the Food and Traditions

Dive into local gastronomy—paella, jamón ibérico, and tapas are just the beginning. Participate in regional festivals like La Feria de Abril in Seville or Las Fallas in Valencia to truly experience the Spanish spirit.

Conclusion

Buying a home in Spain as a digital nomad may seem like a complicated process, but with the right guidance and preparation, it’s completely achievable. And by embracing Spanish culture, you’ll not only adapt but thrive in your new lifestyle.

Welcome to Spain!