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What a foreign buyer can actually borrow — and the real monthly payment. Each country's non-resident LTV ceiling, rate band, and max term are baked in. The non-resident haircut is the number banks rarely advertise.
Inputs
Country
Rate assumption: 3.4–4.6% (midpoint used).
Result
Non-resident LTV capsare the deal-killer foreign buyers discover late. Banks publish headline rates but quietly cut maximum lending for non-residents: typically 60–70% vs. 90%+ for locals. If your deposit doesn't clear the gap, the loan shrinks — not the price.
Spain: Most Spanish banks cap non-residents at 60-70% LTV. Santander, BBVA, Sabadell have dedicated non-resident desks. NIE + Spanish account mandatory.
What this doesn't cover: arrangement/valuation fees, mandatory life or buildings insurance, the income/affordability test (France enforces a hard 35% debt-to-income cap), and FX risk if your income is in a different currency from the loan. Treat the monthly figure as a floor.
Indicative ceilings, not a mortgage offer. Rates move weekly; non-resident desks reprice without notice.
This calculator covers one slice. The full Outpost dossier adds fair-price analysis, local legal flags, rental ROI, and lifestyle scoring.
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