Los Cristianos, south Tenerife
Los Cristianos draws a steady mix of holiday buyers and people relocating to the south of the island. Many buyers are non-resident, which calls for a financing approach that differs from a standard mortgage.
Knowing which lenders operate normally in the Canary Islands, and which accept non-resident applicants, narrows the search from the outset and avoids applications that were never going to move forward.
On the tax side, resale property in the Canary Islands pays transfer tax at 6.5%. Our Canary Islands purchase-costs guide sets out that figure and the rest of the costs, item by item.
How the mortgage process works
The work starts with a review of the buyer's profile: income, savings, tax situation and the purpose of the purchase. From there we select the lenders whose criteria fit the case, rather than presenting the file to institutions that would reject it outright.
Once a lender is chosen, support continues through the valuation, the review of the binding offer and the signing at the notary, so the client reaches each stage with the information needed to decide.
Areas we cover
Los Cristianos town centre. The original core of the resort, close to the harbour and daily services, favoured by buyers looking for year-round rental or personal use.
Playa de Las Vistas. The main beachfront stretch, sought after for holiday lets and second homes with direct sea access.
The harbour area. Near the ferry terminal and marina, with a mix of older and renovated properties.
Valle de San Lorenzo. An inland area a short drive from Los Cristianos, often considered by buyers looking for lower prices or a permanent residence away from the coast.
Review of income, savings and tax residency before approaching any lender.
Comparison of lenders with genuine experience of non-resident mortgages in the Canary Islands.
Support through the valuation, the binding offer and the notary signing.
Direct communication in English and Spanish throughout the process.
Frequently asked questions
Do you work with non-resident buyers in Los Cristianos?
Yes. A significant share of buyers in the area are non-resident, and the affordability review takes that into account from the first conversation.
What documents are needed to start?
An initial assessment can be made with income, available savings and tax situation. Full documentation is requested once there is a specific property or an offer in progress.
Is there a fee before a mortgage is secured?
The terms of the engagement are explained clearly before any work begins. No stage proceeds without the client knowing the conditions.