Free tool · deposit gap
Property Cost Calculator: Total Buying Costs in 20+ Countries
Registry figures, dated per row
Non-resident terms from named banks (ES, PT)
Nothing stored unless you ask
Inputs & assumptions
Valuations commonly land under the price; the calculator shows what that does to each bank’s loan.
Spain · non-EU buyer
What you need to bring
€101,250
Best published outcome · CaixaBank (HolaBank)
Worked example · UK buyer · Spain · €250,000
- Purchase price
- €250,000
- Maximum loan70% of the purchase price
- €175,000
- Deposit the loan leaves you
- €75,000
- Purchase costsregistry band, midpoint
- €26,250
- Cash required
- €101,250
If this is out of reach today, change the price above — the ledger updates and the gap between banks stays visible.
This is an estimate from published registry terms, not a mortgage quote.
By bank — published terms first, base named
| Bank | Base | Loan → cash |
|---|---|---|
| CaixaBank (HolaBank) Non-EU applicants accepted | 70% of the purchase price | Loan €175,000 → cash €101,250 |
| UCI Non-EU applicants accepted | 70% of the purchase price | Loan €175,000 → cash €101,250 |
| Bankinter Non-EU acceptance not published | 60% base not published | Loan → cash: not computed because the lending base is not published |
| Banco Sabadell [Estimated]Non-EU applicants accepted | 70% base not published | Loan → cash: not computed because the lending base is not published |
| Banco Santander [Estimated]Non-EU acceptance not published | 70% base not published | Loan → cash: not computed because the lending base is not published |
| BBVA [Estimated]Non-EU acceptance not published | 70% base not published | Loan → cash: not computed because the lending base is not published |
| Cajamar [Estimated]Non-EU acceptance not published | 60% base not published | Loan → cash: not computed because the lending base is not published |
The two banks publishing their base lend on the same terms, so the cash required is identical. The gap opens when a bank lends on the lower of price and valuation.
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Evidence & sources
[Estimated] Banco Sabadell — Rankia (comparator) · verified
[Estimated] Banco Santander — HelpMyCash (comparator) · verified
[Data] Bankinter — Bankinter · verified
[Estimated] BBVA — Twipoteca (mortgage broker) · verified
[Data] CaixaBank (HolaBank) — CaixaBank (HolaBank product page and HolaBank Home Guide) · verified
[Estimated] Cajamar — hipotecas.me (mortgage broker) · verified
[Data] UCI — UCI (Unión de Créditos Inmobiliarios) · verified
[Data] Spain purchase-cost band: 8–13% · mixed property registry · verified
[Estimated] Affordability is not modelled: practitioners report Spanish banks capping debt service at about 35% of net income on a non-resident file (Upscore guide, HelpMyCash comparator, 2026); no bank prints it. This is an estimate, not a quote.
The WhereNext Property Cost Calculator computes the full cost of buying property in any of 20 countries: total acquisition cost, annual property tax, mortgage availability + LTV + rate for non-residents, gross + net rental yield after local rental tax, and foreign-ownership rules. Closing costs vary materially: Thailand 1%–2%, Portugal 7%–12%, Italy 7%–15%, France 7%–8%, Singapore 8%–30%. Net rental yield is reduced by local rental income tax, from 0% in UAE to 37% in France for non-residents. Pre-populated with verified 2026 data — no other tool covers cross-border property economics this completely.
Key facts
- 20 countries pre-populated closing-cost rates · property tax · mortgage LTV/rate · rental tax · foreign-ownership rules.
- Closing-cost range: 1%–30% Thailand 1%–2% · Portugal 7%–12% · France 7%–8% · Italy 7%–15% · Singapore 8%–30% · country choice dominates.
- Mortgage rules per country non-resident LTVs vary by market · interest rates 2.5%–5.5% · 20%–55% down depending on jurisdiction.
- Rental tax for non-residents UAE 0% · Portugal 28% · Spain 24% · France 37% · materially shifts net yield from gross.
- Sources Property registrars · national tax authorities · Global Property Guide · 2025–2026 practitioner checks.