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Mortgage for spain offers mortgages for anyone and by anyone I mean even borrowers with no proof of income. If you are looking for a mortgage for Spain you have come to the right place. We can offer mortgages for Spain that outdo all other mortgages for Spain. Even if you have no proof of income we will organise a mortgage for Spain just for you. Our mortgage for Spain are limited to a ceiling of  €180,000 and consist of a 125% mortgage. For instance if you want to buy a home in Spain and the price is €120,000 then with our mortgage for Spain you would receive a mortgage for €160,000. So don't hesitate contact us now at Mortgage for Spain and you can be living in your new Spanish house within one month.

Because all taxes are completely covered, it means that you will receive a CASH BACK SUM OF AROUND €40,000 which you can use for whatever you like, i.e. refurbishment of the property, or furniture for it.

Contact us by email: mortgageoffer@mortgageforspain.com

Or:

Tel: (0034) 627953746

We at mortgage for Spain can help you obtain, very easily, the perfect mortgage to ;

• Buy your first home in Spain
• Move house in Spain
• Buy a holiday home
• Change holiday home
• Buy a second holiday home!

We make mortages simple. All you have to do is contact us and we give you a decision practically immediately over the phone. Whatever your circumatances our friendly staff will try to help. Your mortage could be available in as little as 14 days.

Even if you;

• Have NO! deposit
• Are suffering with credit problems in the UK
• Find it difficult to prove your income

We can help, whatever your circumstances, call today on (0034) 627953746

Many guides about buying property in Spain assume that potential buyers actually have the money available, but if you are considering buying a house in Spain because you live and work here, or because you simply want to invest in real estate in Spain, you may want to consider taking out a mortgage with a Spanish Bank. Whether you want to buy a finca in Spain, a holiday apartment on the Costa Blanca or a new home in Spain, taking out a Spanish mortgage may be the right solution for you.

Interest rates in Spain vary, but are generally much lower than in the UK, and competition between Spanish banks is fierce. If you are interested in a property still to be built, you may find that the constructers already have an agreement with a certain Spanish bank for all mortgages and you are left with little choice. If not, you would be wise to shop around for the best deal.

Don't accept the first offer. Ask for a copy of one bank's offer and then take it to a different bank to see if they can improve the offer - they often will. Then you can come back to us and find that our service is much better than any other you will find anywhere.

Most Spanish banks currently offer mortgages of 60-80% property price over 5, 10, 15 or 20 years depending on whether you are a resident here or not. Some banks offer 100%. The current variable rate is about 4.7% and there is usually an early write-off fee of around 1%.

Liabilities should not exceed 35% of your net monthly income. Banks use the following variables to determine your ability to pay off the mortage:

• Existing liabilities (existing loans or mortgages, monthly maintenance agreements..)
• Future liabilities including the proposed loan
• Present income and investments.

Normally you will be expected to prove ability to pay (i.e. wage slips from the last 3 months and bank statements of the last 6 months or, if you are self-employed, copies of your last 3 years accounts (with an auditor's stamp) and copies of you last 12 month's business bank statements and your last 6 months personal bank statements). Proof of payment based on your ability to pay with income received from renting the property will not be taken into account by Spanish banks.

We do not ask these questions, nor do we care what your credit standing is. If you want a mortgage then we will give you one up to €180,000 and that's GUARANTEED!

If you are not a legal resident in this country, then you may be asked to provide an aval. This will be somebody usually based in Spain who agrees to pay in the event of you being unable to. You will also be required to have an NIE (Numero de Identificación para Extranjeros) which is like an ID number everyone needs (residents and non-residents) in order to buy or sell property in Spain.