You pay the 10% deposit.The Spanish bank says no.The deposit’s gone. So is the house.
Check your Landing Score. Two minutes.
No sign-up. Nothing to sign.
0 to 100. Where do you land?
At home, nothing binds you until exchange. In Spain, you pay first.
You fall for a home
Sea view. Sunny terrace.
You sign the arras
You hand over 10%. No bank has said yes.
You apply in Spain
As a non-resident.
The bank says no
Or lends far less.
You walk away
Without your 10%.
Spain treats you as a stranger. A stranger with sterling.
The most a Spanish bank usually lends a non-resident.It can drop to 50%.
You earn in pounds. You repay in euros.Every swing in sterling moves your payment.
Transfer tax on resale homes in the Valencian Community since 1 June 2026.Check the date on any guide you read.
Your UK mortgage protection stops at the border.UK rules cover homes in the UK. Even with a UK lender. Your UK credit history doesn’t travel either.
Same sun. Same sea.Different bank. Different rules.
Know your number before the bank does.
The Legado Landing Score gives you a score from 0 to 100. It reads your case the way a Spanish lender does. Low score? It shows you what to move.
Twelve years inside Spanish banks. Now on your side of the table.
Pedro Torres, economist. He knows how a credit committee reads a foreign file. You hire him. He answers to you. And we work in English.
| On your own | With Legado Finance | |
|---|---|---|
| Your odds | You find out from the bank | You know them before you pay a deposit |
| Paperwork | Guesswork, in Spanish | A checklist, in order, before they ask |
| Applications | One bank at a time | Lenders that fit your profile |
| The real cost | At the notary | In writing, with ten days to study it |
Two minutes. Then you know.
Move the sliders. Your score shows at once. Your exact figures come with your details.
Representative example: €150,000 over 25 years at a fixed 3.80% borrowing rate. 300 monthly payments of €775.28. APR (TAE) 3.89 %. Total repayable €232,984, including an estimated €400 valuation. Our fees are not included. The score uses calculation assumptions, not a lender’s offer.
Before you message us
How much can a Spanish bank lend me?
A non-resident is usually offered up to 70% of the value. It can drop to 50%. It depends on the lender and your case.
What if the bank says no after I sign the arras?
Without a clause that lets you recover the deposit when there is no mortgage, you lose it. We go through it together before you sign.
Do you work in English?
Yes. We work in English, by WhatsApp or by phone.
What does it cost?
We tell you on a call, with your case in front of us. We only get paid when the bank says yes.
What is the score?
A calculation built on our own assumptions (60% financing, 13% costs). It is not any lender’s offer.
Reporting channel
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