Are you earning in Saudi Riyal (SAR) and planning to buy a holiday home or invest in real estate in Spain? You're not alone. Many high-net-worth individuals, expatriates, and professionals based in Saudi Arabia are discovering the appeal of the Spanish property market — from beachfront villas in Marbella to modern apartments in Barcelona and Madrid.
However, securing a mortgage in Spain as a non-resident with income in SAR can be challenging — unless you're working with the right mortgage broker. At Mortgage in Spain.es, we specialize in helping international clients obtain competitive mortgages, even if your income is in Saudi Riyal.
In this article, we’ll explain how we can help, what banks are looking for, and how you can benefit from our expert service as a licensed mortgage broker in Spain.
Yes, it is possible to obtain a mortgage in Spain with income in Saudi Riyal — but not all Spanish banks accept non-euro income, especially in currencies considered “non-convertible” or “less stable” by European financial standards.
Fortunately, at Mortgage in Spain, we have agreements with banks that accept income in Saudi Riyal. Thanks to our long-term relationships with these banks, we know exactly how to present your financial profile and what documentation they require to approve your loan.
When applying for a mortgage in Spain as a non-resident with income in Saudi Riyal, here are some important conditions to consider:
Spanish banks are conservative and require detailed documentation to ensure your financial stability. If you earn in SAR, you’ll need to provide:
We’ll guide you through every step to ensure your documentation is complete and correctly presented — avoiding unnecessary delays or rejections.
At Mortgage in Spain, we are more than just intermediaries — we are a mortgage broker licensed by the Bank of Spain, and we specialize in helping non-residents secure the best financing possible. Here's how we add value for clients earning in Saudi Riyal:
We work with select Spanish banks that accept Saudi Riyal and understand the documentation commonly issued by companies in the Gulf region.
We calculate your debt-to-income ratio (max 35%) using the same methods Spanish banks use, so you’ll know exactly how much mortgage you can obtain — before submitting any application.
From the moment you contact us until the signing of the mortgage in the notary, we manage everything online. No need to travel back and forth — we simplify everything remotely.
We help coordinate the reservation contract, property appraisal, FEIN offer, notary appointment, and even the cooling-off period required by law before signing the final deed.
We understand Saudi payroll structures, benefits, and tax systems — which helps us explain your financial profile clearly to Spanish banks and avoid misunderstandings.
We can also assist with:
Here are the key benefits of working with us:
Whether you’re purchasing a second home for holidays or making a strategic investment, we’re here to ensure the mortgage process is smooth, fast, and secure.
👉 Contact us today to schedule a personalized consultation and discover how much you can borrow in Spain with your Saudi Riyal income.
We are a mortgage broker licensed by the Bank of Spain — let us help you unlock the door to your new life in Spain.
💡 Mortgage in Spain, Mortgage Broker specializes in helping non-residents secure the best mortgage deals hassle-free.
✔ Fast-track approval – Preliminary agreement in 48 hours
✔ Expert negotiation – We work with top Spanish banks to get you the best interest rates
✔ No brokerage fees – Our service is 100% free for you (the bank pays our commission)
✔ Personalized service in English, French, Dutch, and Spanish
✔ Full assistance from start to finish – We handle the paperwork and connect you with lawyers, real estate agents, and currency exchange services
📩 Avoid stress and delays! Leave your contact details now and let our experts guide you step by step toward your dream home in Spain!
🏡 Your Spanish property is within reach – Let’s make it happen today! 🚀