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Mortgages in Spain
Mortgages in Spain
Guide and information for the overseas property buyers buying a property in Spain
Spainish mortgages do not need to be a song and a dance!
Spanish property
Often buyers have a variety of reasons for buying a home in Spain. For example, many people buy a holiday home with an idea of living there permanently or semi-permanently after they retire. If this is the case, there are many more factors to take into account other than simply buying a holiday home that you will occupy for just a few weeks a year. If, on the other hand, you plan to work or start a business in Spain, you will be faced with a whole different set of criteria.
Legal advice
Take care and get legal advice before signing any documents. A lot of property in Spain is sold before building has even started, in which case you will need to get proof of planning permission and plans of the property itself, and often foreign people sign contracts thinking they are expressing a formal interest in building plans whereas in fact they are legally binding themselves to a house purchase.
More and more people buying property in Spain consider taking out a mortgage with a Spanish bank to finance their purchase in this country.
Not only expats, but also property investors, and regular visitors to Spain etc.
• Max 80% LTV
• Term 5-30 years
• Minimum loan €50,000
• Euros only
• Repayment & Interest Only
• Max age 70
• Rates from approx 4.50%
100% LTV available on Re-Sale Property subject to Lender Valuation
P.O.A for Arrangement fee
Spanish Mortgages
Mortgages in Spain Advice
Before you enter into any property purchase you should consider the following things:-
Appoint a good lawyer who can carry you through the process till completion
Only buy what you can afford. Do not overlook Foreign Currency Fluctuations and all closing costs.
Make sure you have a good Idea of what mortgage you will be able to secure prior to entering into any contract to buy
Remember that when taking out an overseas mortgage you will have to declare full details and your assessment will be made on the affordability to pay and not income alone
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A/YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
Spanish resources
Latest Spain Property
Price: 250,000 EUR
Luxury, well designed villa situated in Lanzarote’s most beautiful Canarian village of Yaiza, with potential to be 7 bedrooms. Already on the tourist rental market with incredible income. There are great savings to be had as this property was markete
Price: 350,000 EUR
Own 50% of this luxury, well designed villa situated in Lanzarote’s most beautiful Canarian village of Yaiza, with potential to be 7 bedrooms. Already on the tourist rental market with incredible income. There are great savings to be had as this prop
Price: 210,000 EUR
25% share with 3 other owners. Luxury villa situated in Lanzarote’s most beautiful Canarian village of Yaiza, with potential to be 7 bedrooms. Already on the tourist rental market with incredible income.
Price: 105,000 EUR
Well located, luxurious 5 bedroom villa and 1 bed apartment with incredible 180deg unobstructed sea views to Fuertaventura. Situated in the quiet upmarket area of Macher.
Price: 1,500,000 EUR
