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Spain's Premier Brokers

Where Property dreams are stress-free

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4 Big Questions For Prospective Spanish Property Buyers

  1. How much can we comfortably afford?
  2. What type of property will suit us best?
  3. Should we choose off-plan or resale?
  4. When should we buy?
Spain's Premier Brokers :: Making Your Dream a Reality

 

“¿Hola, cómo está usted?

 

Fortunately at Spain’s Premier Broker (SPB) we ensure that when getting your perfect property abroad, you won’t even need to understand this much Spanish.

 

You may have found your dream home in the sun or you will soon. When the time is right, let us help take all the stress out of your move by finding you the perfect mortgage. At SPB financial services we take pride in doing a great job and making your move as stress-free as possible.

 

We look forward to turning your pipe dream into a wonderful reality.”

 

- Steve Barber,
Founder of SPB Financial Services

 

Tailored package to suit you

In being independent we are able to offer you products from a wide range of lenders, both here and in Spain ensuring you always get the right deal for you with access to thousands of mortgage schemes.

 

3 easy steps to a workable dream…

(click on each 'step' to view)

 

Step 1

Choose your dream property at the right price

Set an amount that you feel happy with. Call us on Freephone 0800 1123 418 and we can calculate how much in principle you would be able to raise. This can be done in a number of ways including equity release.

Step 2

Get a mortgage offer agreed

You can often find out whether you are eligible prior to making an application and it is free of cost. Call us to find out and this agreement in principle can last between 3 and 6 months and increases your buying power. *

Step 3

Make a full mortgage application

One of our qualified advisors will be happy to arrange a meeting with you to complete the paperwork and answer any queries you may have.

 

Will I need a solicitor?

As you will need a conveyancing firm to purchase your property we can instruct one on your behalf from our network of strategic partners without you ever having to see the solicitor.

 

Financing your dream

Examples to help guide your thinking…

Taxation can be a very complex area and subject to change therefore we have provided a brief list of the most common, and we can provide you with the accurate costs to meet your own circumstances.

 

 

Other related insurances we can arrange include; Property insurance, Medical cover & Life insurance. For a full list of services and products visit spbspain.co.uk

 

What are the Legal Fees?

These include those of our associated Spanish firm 1% - 3% (dependant upon the property price) of net purchase price, say €240,000=€2,400+ VAT (16% on Spanish solicitors fees approximately)

 

* Changes in the exchange rate may increase the sterling equivalent of your debt

* Not all forms of mortgage are regulated by the Financial Services Authority

 

NB. If you are buying off plan, you will have paid some of this already to the developer or agent within the stage payments.

 

Spanish Wills

Having a Spanish Will to cover only your assets in Spain will simplify and reduce the costs of further inheritance issues. We can introduce you to our partners APS Legal Spain.

 

There will be a fee for mortgage advice and arrangement, dependent upon your circumstances but we estimate it to be 1% of the loan value, example for a loan of £100,000 the fee payable would be £1,000.

 

Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.

 

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration?

 

What to do next…

After you have put everything in our hands, you can sit back relax and plan when you are going to start those Spanish lessons after all…