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Welcome to The Self employed Mortgage page
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Are you looking for a Self employed or self certificated Mortgage in Spain?
We can help you find the right Mortgage to suit you. Finding a Mortgage in Spain could not be easier.
We have extensive knowledge of the Spanish Mortgage market and are able to find the right Mortgage to suit both your needs and match your income.
We can help you find the right Mortgage to suit you. Finding a Mortgage in Spain could not be easier.
We have extensive knowledge of the Spanish Mortgage market and are able to find the right Mortgage to suit both your needs and match your income.
Having researched all of the major Spanish banks, brokers, lenders and mortgage companies, we are able to bring you REAL information on Spanish mortgages, Spanish bank loans, obtaining a Spanish bank account and much more.
We bring you some excellent tools and services which will help you along the way.
How can I get a mortgage in Spain?
In order for you to be able to obtain a mortgage, you need to be able to provide proof of your income. You will also be required to open a Spanish bank account in order for you to pay the monthly mortgage instalments – this is very easy to set up and all that is required is that they have a copy of your passport and proof of address.
How much can I borrow?
Typically in Spain, as a non resident, you will be able to borrow up to 70% of the value of your chosen property. Spanish mortgage providers will offer mortgages of up to four times your annual income. You also need to be aware of other costs associated with buying a Spanish property when considering how much you want to spend, as this can be as much as 12% in addition to the purchase price.
The costs are broken down as follows: 7% IVA (VAT), 2% Mortgage costs, 1.5% lawyers costs, 1.5% other – including notary and valuation fee – a bank will appoint a valuer for mortgage purposes, and they will require you to pay this fee up front which is usually around 500 Euros. There will be redemption fees for doing so, and these will be between 0.5 – 1.5%
Can I have an interest only Spanish mortgage?
Many Spanish mortgage lenders will give the option to have your mortgage on an interest only basis. However, unlike UK mortgage providers, this is only fixed for a period of time – typically the first two years, and then it will switch to a repayment mortgage.
Do I need insurance on my property?
Yes, it will be a condition of your mortgage that you take out insurance through an approved insurance company.
What term can I repay my mortgage over?
This depends on your age. You can have your mortgage between 5 and 30 years.
We bring you some excellent tools and services which will help you along the way.
How can I get a mortgage in Spain?
In order for you to be able to obtain a mortgage, you need to be able to provide proof of your income. You will also be required to open a Spanish bank account in order for you to pay the monthly mortgage instalments – this is very easy to set up and all that is required is that they have a copy of your passport and proof of address.
How much can I borrow?
Typically in Spain, as a non resident, you will be able to borrow up to 70% of the value of your chosen property. Spanish mortgage providers will offer mortgages of up to four times your annual income. You also need to be aware of other costs associated with buying a Spanish property when considering how much you want to spend, as this can be as much as 12% in addition to the purchase price.
The costs are broken down as follows: 7% IVA (VAT), 2% Mortgage costs, 1.5% lawyers costs, 1.5% other – including notary and valuation fee – a bank will appoint a valuer for mortgage purposes, and they will require you to pay this fee up front which is usually around 500 Euros. There will be redemption fees for doing so, and these will be between 0.5 – 1.5%
Can I have an interest only Spanish mortgage?
Many Spanish mortgage lenders will give the option to have your mortgage on an interest only basis. However, unlike UK mortgage providers, this is only fixed for a period of time – typically the first two years, and then it will switch to a repayment mortgage.
Do I need insurance on my property?
Yes, it will be a condition of your mortgage that you take out insurance through an approved insurance company.
What term can I repay my mortgage over?
This depends on your age. You can have your mortgage between 5 and 30 years.