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📌 30-Second Summary
Getting a mortgage as self-employed (autónomo) in Spain is harder but not impossible:
Key challenges:
- Must prove stable income (usually 2 years minimum)
- More documentation required
- Higher scrutiny from banks
- Potentially higher rates
Requirements:
- ✅ 2+ years as registered self-employed
- ✅ Tax returns (declaraciones) for past 2 years
- ✅ Quarterly VAT returns (modelo 303)
- ✅ Proof of business viability
Best strategy: Work with banks experienced in self-employed mortgages, show growing income trend, and have at least 20% down payment.
