Barcelona Mortgage Cash Calculator

Model asking-price discounts, Spanish mortgage sizing, Catalonia purchase taxes, ongoing ownership costs, and the rent-versus-buy investment tradeoff.

Defaults are Barcelona-oriented assumptions using Catalonia transfer-tax rules, a Spain-style mortgage rate, and the ECB GBP/EUR reference rate for 3 July 2026 (see FX field below for the exact date). Edit any number before relying on it.

Estimated monthly mortgage
€0
Capital repayment mortgage
Upfront cash required
€0
Cash needed at completion before keeping reserve.
Cash left after completion
€0
After closing cash and protected reserve.
Cash to seller after mortgage
€0
Purchase price less the mortgage principal.
Mortgage principal
€0
LTV shown against lender-recognised value.

Breakdown

Checking
In Barcelona, this model now starts from the agreed purchase price. You can still switch to a bank/appraisal value or the lower of price/appraisal as a conservative lending stress case.

Recommended Purchase Scenario

Investment-led

Monthly Cost Comparison

€0 all-in
Monthly cost line Your current Partner current Combined current Your buy Partner buy Combined buy
Interest rate Mortgage All-in monthly Annual run-rate

Home Equity Over Time

Mortgage amortisation

Property vs Market

10 year view
Your home equity Your side stocks Partner home equity Partner side stocks Your rent-route stocks Partner rent-route stocks

Rate And Leverage Check

Same deal, different rates
This isolates the leverage question: same property, same bid, same rents, same stock return, but different mortgage rates and holding periods.
Case Buy route Rent + stock Difference

Bid Sensitivity

Sale price x rate

Sources: Agencia Tributaria de Catalunya ITP rates, Catalonia reference-value guidance, Catalonia AJD rates, Banco de España mortgage-cost guidance, and ECB reference FX data. This is a planning tool, not mortgage, tax, or legal advice.