Once you have chosen your property, our Personal Mortgage Advisor can assist you with all your mortgage requirements, guiding you step-by-step from the Initial Application through to signing the Escritura at the Notary.

Criteria can differ from lender to lender but in general residents can borrow up to 80%
Loan to value and non-residents up to 60% loan to value.

All mortgage calculations are exclusive of costs including set-up fees, valuation, registry fees, taxes, notary and legal fees. In general these add approximately 11% to the purchase price.

Various types of mortgage and re-mortgage are available including Repayment, Interest only and Mixed.

Equity release – If you already own your Spanish home, your application will be treated as a re-mortgage regardless of whether or not you have a current mortgage. Re-mortgages are based on current property value.

Changing House – If you have your current house for sale and have found your new property you can secure a loan on the new property with reduced payments for a set period of time, giving you time to sell your house.

Our Independent Advisor will help to determine your needs, match them with the most suitable lender and negotiate the best deal on your behalf. We can also assist with any legal and translation requirements. Our aim is to ensure that you are given expert Independent advice to suit your needs and to ensure you are kept informed throughout, up to and including completion on your property.

For a free, no obligation quotation, CLICK HERE and complete our online mortgage application form.

For further information please contact us using the details below
Email: info@germanywealthmanagement.com