5 simple steps towards your new home

1. Find your home

Find the right home for you.

Simulate how much you will pay every month and ask us to analyse your circumstances.

2. Complete an online application.

Fill in the form so that we can analyse your circumstances available for residents in 15 countries in Western Europe, USA Japan and Canada.

We study the feasibility of your mortgage, and give you a response in 72 hours.

3. Analysis

To analyse the feasibility, we need you to send us a series of documents. The mortgage application form will tell you which the documents are needed depending on your country.

Based on the information you provide, we will analyze your request.

After the analysis, an adviser will contact you to arrange the property valuation and inform you whether we can grant you the mortgage.

4. Waiting period

Once you are notified that your mortgage has been approved, you will need to sign the pre-contractual documentation, including the European Standardised Information Sheet (ESIS), the Standardised Warning Sheet, and its annexes, which outline the terms of your mortgage.

Once you sign it, a cooling-off period of 10 calendar days (or 14 days in Catalonia) will begin, allowing you to consult your adviser with any questions and receive free guidance from the notary of your choice.

5. Time of signing

At the end of the cooling-off period, you will sign the mortgage in person, with the notary, your HolaBank adviser and a representative from the management firm present.

A few days after signing, we will send you the deed of sale along with the mortgage agreement for your new home.

Download the detailed guide to buying a home in Spain

What does the guide contain?

  • Step-by-step instructions for non-residents who are buying a home in Spain
  • Useful links to CaixaBank tools and official websites to help you make informed decisions
  • Information on Spanish regions and their characteristics
  • A checklist for comparing properties during visits
  • List of documents you will need for a mortgage application

Download the guide



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