Are all mortgages Capital Repayment in Spain?

Interest-only mortgages are not an option in Spain

Yes. No matter if you are a resident of Spain or not, all mortgages are capital repayment and there are no interest-only options available. The bank will expect to have the full amount paid back over an agreed term, usually 20 or 25 years. At the end of the term, the loan will be fully paid off. Although many countries offer interest-only mortgages, these do not exist in Spain and you must pay off the full capital over the agreed term.