How much mortgage can I get?
With your income and savings: the mortgage a bank could give you, the home you can buy and what holds you back, the payment or the savings for the deposit and costs.
What home can you afford?
The way banks look at it: the payments on all your debts, at most 30–40% of what you earn; and the part they do not lend, plus the costs, from your savings.
- Mortgage (the bank)€146,88075%
- Deposit (your savings)€36,72019%
- Purchase costs (your savings)€13,2667%
| Maximum payment the bank accepts (35% of your income) | €1,050 |
| Maximum mortgage with that payment (30 years) | €249,049 |
| Most the bank lends | 80% |
| Home you can buy | €183,600 |
| Mortgage | €146,880 |
| Deposit | €36,720 |
| Purchase costs (transfer tax, notary, registry…) | €13,266 |
| Savings you use | €49,986 |
A guide only. Banks also look at your contract and how long you have had it, your age (mortgages rarely run past 70–75) and the valuation. Some regions cut the transfer tax on a main home for young buyers or large families: this uses the general rate.
Indicative estimate. Not financial or tax advice.
Next: the full study of your flat
The full calculator
Your flat with everything: the transfer tax of your region, the mortgage, costs, empty months and income tax. Free and without signing up: the verdict, cash flow and return.
Find flats that already pay
Draw a circle on the map and we rank the flats for sale in the area by return, with the estimated rent of each one based on the rents around it.
What a full study looks like
The analysis of a flat from start to finish: detailed taxes, a 10-year projection, sale scenarios, sensitivity and the IRR. With these figures:
- IRR over 10 years
- 11.5%
- Monthly cash flow
- €169
- Net yield
- 5.3%
How Spanish banks work out how much to lend you
They look at two things. First, that the payments on all your debts do not exceed 30–35% of your net income (with high salaries, some accept 40%). Second, that you have saved the part they do not lend, plus the purchase costs: for a main home they usually lend 80% of the value (the lower of the valuation and the price); for a second home or a buy-to-let, between 60% and 70%.
You can buy whatever the stricter of the two allows. That is why the calculator tells you what holds you back: if it is the payment, a longer term or fewer debts help; if it is your savings, saving more or buying in a region with lower transfer tax.
An example
With €3,000 net a month, no other debts, €50,000 saved, 3% over 30 years and the home in Comunidad de Madrid, the bank would accept a payment of up to €1,050 (35%). But the savings only stretch to a €183,600 home: a €146,880 mortgage and a payment of €619 a month. With €80,000 saved, the home could cost €299,000.
To live in or to let
With the same numbers, if the home is to let (the bank lends 70%), it stretches to €132,600: you need a bigger deposit. And with a buy-to-let, also check that the rent covers the payment and the costs: buy-to-let mortgage calculator.
The costs many people forget
On top of the deposit you need your region's transfer tax (or VAT if the home is new), the notary, the land registry, the agency and the valuation: for a 200,000 € resale home, between 5.1% and 11.1% of the price depending on the region. The costs of signing the mortgage (notary, registry, agency and stamp duty) are paid by the bank; you pay the valuation. Work out the purchase costs.
How to borrow more (without overstretching)
A longer term lowers the payment, although you pay more interest overall. Clearing other debts frees up room. Signing with someone else adds income. And compare banks: a few tenths of interest change the payment a lot.
What you should not do is stretch to the limit: leave room in case Euribor rises, your income falls or a repair comes along.
Reviewed on 10 October 2026
Frequently asked questions
How much mortgage can I get on a 2,000 € salary?
With 2,000 € net a month and no other debts, the payment should not go above about €700 (35%): at 3% over 30 years, a mortgage of about €166,000. The home you can buy also depends on your savings.
What share of my income can the mortgage be?
Banks usually ask that the payments on all your debts stay under 30–35% of your net income; with high salaries, some accept up to 40%.
How much do I need to save to buy a home?
For a main home, the 20% the bank does not lend plus the purchase costs (between 5.1% and 11.1% of the price depending on the region): in total, about 30% of the price.
How much do banks lend for a second home or a buy-to-let?
Usually between 60% and 70% of the value (the lower of the valuation and the price), so you need a bigger deposit than for a main home.
Up to what age can I get a mortgage?
Most banks want it to end before 70–75: the older you are, the shorter the term and the higher the payment.
Indicative estimate. Not financial or tax advice.