Curious about your mortgage capacity in Spain? We can provide a clear and comprehensive overview within one working day with our Quick-Orientation Report!
Spanish banks are obliged to ensure there is sufficient collateral for the mortgage and adequate income to meet repayment obligations.
Consequently, a Spanish bank might conclude that a wealthy Dutch national with a low salary from their private limited company (BV) – because no further money is needed anyway – as having insufficient income for a particular mortgage, despite their ability to purchase the property outright. We are well-versed in navigating these situations.
Banks typically finance up to 70% of the purchase price or a lower appraised value, necessitating significant equity. We know which banks offer the most favourable terms and flexibility.
Additionally, there are limits based on income and age.
Contact us now. For just €75,- (excluding VAT), and we will provide a detailed Quick-Orientation Report within one working day!
Using various data, we can make a trial calculation regarding mortgage options, term, conditions and monthly charges. The report includes:
Check here which documents you need to apply for a mortgage in Spain: Required documents mortgage application (.PDF)
We wish you an advantageous mortgage!
Registered broker
We represent your interests
Enjoy Spain, we make it simple
IFAR is a registered insurance broker. For this, the strictest requirements must be met in Spain. This guarantees the treatment of your insurance at the highest quality level.
We work with more than 20 Spanish and international insurers. From this we choose the insurance with the best premiums for you per insurance. And if a company raises its premiums, we go to another. This way we keep your premiums low.
We make the translation for you in terms of language and regulations. You can email and call us in English. We answer your questions as clearly as possible. In fact, we simply arrange everything. This is how we make it as easy as possible for you.
A mortgage for your dream house in Spain turns out to be different than in the UK, USA or any other country. You will receive a Spanish brochure with everything you need to deliver and the highest interest rate because you are a foreigner. We only ask you what is needed, in English, and give you the best offer in no time.
We represent your interests
We want you to be able to work and live safely in Spain. We take care of all your insurance policies for you without having to pay more premiums.
Can we help you too? Ask your question here:
Rambla Catalunya 25 , Planta Pal
08007 Barcelona
barcelona@ifar.es
Principe de Vergara 73
28006 Madrid
madrid@ifar.es
Calle Benlliure 2
03530 La Nucia, Alicante
alicante@ifar.es