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Resident mortgages
Spanish mortgages for residents are generally at more favourable terms and conditions than those for non-residents, with the exception of second homes purchases where the terms will be similar to that of non-residents.
Therefore it is very important to establish whether you qualify as resident or non-resident for that particular lender as early as possible.
Spanish residents benefit from lower interest rates, lower charges and higher loans to valuation, which in some cases can be in excess of 100% of the valuation.
With our relationships we can offer residents:
- Up to 15 year interest only mortgages
- Self certification mortgages
- Mixed interest only/repayment mortgages
- Low start mortgages
- 100% and 120% mortgages
- Fixed rate mortgages
- Fixed payment mortgages
- Bridging loans
- Self build mortgages
- Rustic property
- Re-mortgages
- Free tansfer re-mortgages
- Equity release
- Lifetime mortgages
- Offset mortgages
Terms up to 40 years provided the maximum age does not exceed 80.
For more information on which Spanish resident mortgage would be most suitable for you please contact us.