How to Move to Spain from Canada
How to Move to Spain from Canada? The Smart Strategy to Buy, Invest, and Relocate Stress-Free

Why is Spain the Perfect Destination for Canadian Families?
If you’re considering moving to Spain from Canada, having a solid plan is essential. Spain offers an incredible climate, a lower cost of living, access to high-quality public and private healthcare, and excellent educational opportunities.
However, relocating permanently is a big step. The smartest strategy for Canadian families (2 adults and 2 young children) is to:
✅ Buy a property in Spain while still living in Canada.
✅ Use it for vacations to get to know the area.
✅ Rent it out when not in use to generate passive income.
✅ Move permanently once you feel fully prepared.
And the best part? With Mortgage in Spain.es - Mortgage Broker, you can complete the entire process online, from securing your mortgage to signing at the notary.
🏡 Can Canadians Get a Mortgage in Spain? How Does It Work?
Yes! Canadians can buy property in Spain with a mortgage, even if they don’t live in the country. Here’s what you need to know:
💰 Financing for Non-Residents:
- Spanish banks offer up to 70% of the property’s price (you’ll need a 30% down payment).
- Additional costs (taxes, legal fees, notary) amount to 10-12% of the property price.
📅 Loan Terms & Interest Rates:
- Term: Typically 20-25 years.
- Interest rates: Fixed or variable, starting at 3% - 4.5%.
📂 Documents Required:
- Passport & NIE (Número de Identificación de Extranjero).
- Proof of income (tax returns, pay slips).
- Bank statements (last 6 months).
- Canadian credit report.
- Proof of funds for the down payment and associated costs.
📌 Complete Everything Online
With Mortgage in Spain.es - Mortgage Broker, you can secure a mortgage without leaving Canada. We handle all paperwork, ensuring you only need to travel to Spain for the final notary signing.
🌍 Best Cities in Spain for Canadian Families & What to Visit
1️⃣ Valencia – The Best City for Expat Families
🏖 Why Choose Valencia?
✔️ Voted the best city in the world for expats (Forbes, 2024).
✔️ Affordable property prices and a high quality of life.
✔️ Excellent international schools and healthcare services.
💰 Cost of Living for a Family of 4:
- Rent (3-bedroom apartment in a good area): €1,200/month.
- Groceries: €450 - €700/month.
- Public transport: €40/month per adult (kids under 10 travel free).
🏛 Must-Visit Places in Valencia:
- City of Arts and Sciences – A futuristic complex with an aquarium, science museum, and IMAX cinema.
- Turia Gardens – A massive urban park, perfect for family activities.
- Malvarrosa Beach – A beautiful Mediterranean beach.
📈 Real Estate & Investment Potential:
- Property prices: €1,800 - €2,200/m².
- Strong rental demand, ideal for vacation rentals.
2️⃣ Málaga – The Sunniest City with a Laid-Back Lifestyle
🌞 Why Choose Málaga?
✔️ Over 300 days of sunshine per year.
✔️ Growing international community.
✔️ Top-rated hospitals and international schools.
💰 Cost of Living for a Family of 4:
- Rent: €1,100 - €1,600/month.
- Eating out: €15 per person at a mid-range restaurant.
- Monthly utilities: €120 - €150.
🏛 Must-Visit Places in Málaga:
- Picasso Museum – A must for art lovers.
- Alcazaba Fortress – Stunning Moorish architecture.
- Muelle Uno – A waterfront promenade with restaurants and shops.
📈 Real Estate & Investment Potential:
- Property prices: €2,000 - €2,500/m².
- Tourism-driven rental demand makes it a great investment.
3️⃣ Barcelona – The Most Cosmopolitan City
🏙 Why Choose Barcelona?
✔️ Diverse job market and international schools.
✔️ Vibrant culture, beaches, and world-class dining.
✔️ Well-connected to Canada with direct flights.
💰 Cost of Living for a Family of 4:
- Rent: €1,800 - €2,800/month.
- Gym membership: €40 - €60/month.
- International school tuition: €800 - €1,500/month per child.
🏛 Must-Visit Places in Barcelona:
- Sagrada Familia – Gaudí’s architectural masterpiece.
- Park Güell – A colorful park full of stunning mosaic art.
- La Rambla – A lively street filled with shops and restaurants.
📈 Real Estate & Investment Potential:
- Property prices: €3,000 - €5,000/m².
- Strong demand for rentals in central areas.
🏥 Healthcare in Spain: Public vs. Private
Spain has one of the best healthcare systems in Europe.
✔️ Public Healthcare (SNS – Sistema Nacional de Salud)
- Free for residents, including non-EU citizens with social security contributions.
- Covers emergencies, hospital care, and primary care.
- Some waiting times for specialist appointments.
✔️ Private Healthcare
- Faster appointments and English-speaking doctors.
- Costs €50 - €100/month per person.
- Recommended for expats before gaining residency.
📌 Important: If you move to Spain without a job, private health insurance is required for residency applications.
📚 Education in Spain: Public & Private Schools
✔️ Public Schools: Free, Spanish curriculum, generally high quality.
✔️ Private Schools: €300 - €700/month, often religious-affiliated.
✔️ International Schools: €500 - €1,500/month, offering IB, British, or American curriculums.
📌 Best Cities for International Schools: Barcelona, Madrid, Valencia, and Málaga.
🚀 Why Work with Mortgage in Spain.es - Mortgage Broker?
We are a licensed mortgage broker by the Bank of Spain, offering:
✔ Fully Online Process – No need to travel until the final notary signing.
✔ Exclusive Mortgage Deals – Thanks to strong partnerships with top Spanish banks.
✔ Connections with Trusted Partners:
- Real estate agencies.
- Lawyers specializing in foreign property buyers.
- Currency exchange companies with unbeatable rates.
- Utility setup services (electricity, water, internet).
📩 Contact us today to get expert advice and secure your dream home in Spain! 🏡🚀






















