We currently work with a number of Spanish Banks / Mortgage Providers. Banco de Santander and Caja San Fernando to name but a few. They offer extremely competitive rates but it must be said, unlike in the UK even mortgage rates are negotiable. For indication purposes it is normally 1% above EURIBOR (European Central Bank Base Rate).

As a guideline maximum Loan to Value (LTV) for non-residents is 70%. Again this is often negotiable too.

In Spain the only concept of mortgages is the Repayment Method.

Life Insurance is not always a requirement, usually depending upon client's age. What is needed is 'seguros de hogar' which translated is 'Home Contents/Building Insurance'. We in turn can provide this service via reputable Spanish Insurers.

For further information email us.