We use cookies to optimise your experience on our website. If you continue we'll assume that you are happy to receive our cookies.
Realtor Member
English
Español
Deutsch
Français
Nederlands
Find us on Facebook
Watch Our Latest Videos on You Tube
VIP Almería Latest Properties
Your Portfolio (35)

We don't work 9 to 5 - We work from Start to Finish

Best Mortgage options

What are the best deals available for non resident mortgage applications

UPDATED information related to Finance & Current Account Services

There has improved mortgage conditions for FOREIGN CLIENTS MORTGAGES.

Please see complete conditions below.


FINANCE TO CLIENTS

The terms of  VARIABLE RATE  finance are:

Amount: Max 60% of purchase price. 
Clients coming from Belgium,Holland & Sweden: 70%.

Term: Up to 25 years (max 75 years of age expiration date).
Opening fee comission : 1 %
Initial Rate (first year): 2,30 %
Annual revision: Euribor + 2,00 %**
Advance cancellation fee: 0,50 %

** compulsory Life Insurance to cover amount of loan,  and House Insurance to cover property basic damages.

FIX RATE finance condicions are:
Opening fee comisión: 1 % 
Term: 15 years. Rate: 2,75 %
Term: 20 years. Rate: 2,90 %
Term 25 years.Rate 3 %


Documents required for the study:

--In all cases:     
*Passports and NIE numbers 
*Nota simple & purchase contract 
*Experian Report (full updated report, including all debts and monthly payments).

--If employed: 
*3 last wage slips and last P60.
* Last Tax Return if available.


--If Self-employed: *Chattered Accounts for last 2 years, and Tax Returns.

Term for the study:

This bank will give an answer to clients in 4-5 working days.


Term for completion:

Valuation report: 7 days.
Preparation of signature in Notary: 5 days.

In total, the process takes max 17 days.


CURRENT ACCOUNT SERVICES:

Documents required and services:

We will only need  the following:
*Passports , and
*Activity document (pay slip or pension slip).

*It is possible open account in the distance (with scanned documents) in 24 hours.

Costs and services for current accont & Cards:

Maintenance commission: For clients receiving salary or pension in the account (min 650 eurs/month): NO COMISSION.
In other cases: 45 euros/year.

Cost of Debit/Credit Card: For clients with pension or salary: NO COMISSION.
           In other cases: 30 euros/year.


Services for Current Accounts:

     * Direct Debits
     * English Telephone and Internet Banking Services.
     * Top Up service.
     *Possibility to open different currencies accounts (pounds, dollars...), even on-line. 
     * And the very important: All our branch employees speak perfect English.

Property Search

For Sale/Rent:
Location:
Proximity:
Type:
Price From:
Price To:
Min. Beds:
Min. Baths:
Property Ref:
 
^