Spain's Youth Mortgage & ICO Guarantees 2025

Buying a home in Spain usually requires a 20% down payment. However, the new ICO Guarantee allows young people (under 35) and families to borrow up to 100% of the property value.

What is the ICO Guarantee?

The Spanish government guarantees the 20% that banks usually require as a down payment. This means you can get a 100% mortgage, only needing to pay for taxes and closing costs (~10%).

Requirements

• Age: Under 35 years old.
• Income: Under €37,800/year.
• Residency: Legal resident in Spain.

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