Which country suits your mortgage?

Follow the decision tree from your priorities to the best-fit country
What's your top priority?
Lowest interest rate
Budget for down payment?
30–40%
🇪🇸
Spain
Best rates in Europe: 2.8–3.5% fixed. LTV up to 70%. CaixaBank pre-approval in 72 hours.
Spain mortgage guide →
30–40%
🇬🇷
Greece
Fixed from 2.7% (Alpha Bank). LTV up to 70%. Up to 25 years for EU residents.
Properties in Greece →
Easiest process
Prefer bank mortgage or instalment plan?
Bank mortgage
🇦🇪
UAE
Rate 4.2–6%. No income tax on rental yield. Transparent Central Bank regulation.
Properties in UAE →
Instalment plan
🇹🇷
Turkey
Developer plans often 0% interest. Bank rates too high (~36% in TRY). Great value per sqm.
Properties in Turkey →
Mortgage + residency
🇨🇾
Cyprus
Permanent residency via €300k+ investment. Rate 4–5.5%. EU legal framework. Eurobank serves non-residents.
Properties in Cyprus →
Quick comparison by buyer type
UK / EU buyers Spain or Greece — best rates (2.7–3.5%), smooth documentation, established broker networks
US / Canadian buyers Spain (FATCA-ready banks) or UAE (no income tax, growing US buyer base)
Investors (yield-focused) UAE — 0% tax on rental income, 5–8% gross yields. Turkey — developer plans, high capital appreciation
Budget-conscious Turkey — lowest entry point, interest-free instalment plans from developers
Residency seekers Cyprus — permanent residency from €300k. Greece — Golden Visa from €250k (select areas)
* Information is indicative as of early 2026. Mortgage availability depends on the specific bank, borrower profile and nationality. Rates are subject to change.