LDT SPANISH MORTGAGES & LEGAL SUPPORT
MORTGAGE SERVICE
“At LDT we know how important getting factual honest and reliable information is when considering a mortgage in Spain.”
Free Spanish Mortgage Quotes and Free mortgage approval in principle
Unsure of what you could borrow in Spain?
Concerned about Spanish mortgage funding possibilities in current environment?
Want to have your finances sorted before committing to visiting Spain?
Want to know what interest rates to expect in Spain?
FOR A NO COST AND NO OBLIGATION full budget assessment and quote Contact us today.
Why would I need independent advice when arranging a Spanish Mortgage.
Spanish Banks do not always have set criteria’s and rates and some allow their Branch Mangers to define rates and costs, as long as these do not go below the minimum set by Head Office. This means that if you visit one Branch of a Spanish Bank, one Manager may offer a better deal than if you ended up in another branch of the same Bank. All our Spanish loans are direct from the Head Offices and are always at the lowest end of the possible rates achievable and in some circumstances we have special pricing or terms for clients of ours.
At IMS we understand the need to provide free advice and an approval in principle service for a Spanish Mortgage. This means before you go house hunting you will know what your maximum budget is, have your finances sorted, know what cash deposits you will require and how much the entire purchase process will cost with no nasty surprises or misunderstandings at a later date.
We will advise you on all your options for a loan in Spain not just one option available from a particular Bank and we will explain the benefits and drawbacks of each option in a clear and concise manner.
Why choose LDT for a mortgage in Spain?.
LDT has operated in Spain since 2000 and has successfully completed on over 3000 mortgages in Spain making us one of the most experienced and specialised mortgage advice companies in Spain. We can negotiate special terms for certain clients not available direct from the Banks.
Spanish mortgage advice centre services.
Budget analysis and Bank recommendation – We will tell you what you can borrow from a Spanish Bank and what impact this has on the purchase price you can pay.
Submission and management of Spanish Mortgage applications for independent purchases and Bank repossessions – We will professionally package your application to give it the best possible chance of being approved in these difficult market conditions.
Resolution of previously rejected applications – If you have been rejected for a mortgage or have been waiting forever for an answer from the Bank let us help gain a successful outcome in the quickest possible time.
Dispute resolutions and negotiations.
Negotiation to remove Floor Rates and save money on interest payments – If you have a floor rate or minimum rate you were unaware of at completion let us negotiate with the Bank to get this clause removed.
Arrears and defaults – Are you in arrears, have temporary issues and need help to resolve the problem we can help negotiate short, medium and long term solutions.
Conveyancing – Are you buying or selling and need information or legal support visit our Spanish legal service website to find out everything you need to know.
Dispute resolutions and negotiations.
Negotiation to remove Floor Rates and save money on interest payments – If you have a floor rate or minimum rate you were unaware of at completion let us negotiate with the Bank to get this clause removed.
Arrears and defaults – Are you in arrears, have temporary issues and need help to resolve the problem we can help negotiate short, medium and long term solutions.
Conveyancing – Are you buying or selling and need information or legal support visit our Spanish legal service website to find out everything you need to know.
Spanish Bank accounts.
Do I need to have a Spanish Bank Account.
Before completion of a purchase you will require a bank account is opened. In the event of taking a mortgage in Spain an account with the lender will on all occasions be required. If you are buying cash you will require an account for setting up utility payments, community charges, taxes etc.
What should I consider when opening a Bank Account in Spain.
Bank charges, including ongoing maintenance costs, can vary considerably from bank to bank so it is a good idea where you can, to shop around and negotiate terms. Some banks now insist you personally visit to open the account and will not accept it being opened by your Power of Attorney so if you are not taking a mortgage it is advisable to take advice on best providers and open an account early on the process and at a point when you are physically in Spain.
About us.
Who is LDT, how long have we been operating in Spain and who are the key personnel and what is their background.
LDT Profile
Contact.
Please fill in the fields below and we will check viability of what you require and provide a detailed quote.
LDT Contact