GET YOUR MORTGAGE WITH EASE

Unlock your dream home in Spain, the UK, or any EU country! To facilitate a smooth mortgage application process, please prepare the following essential documents:

📑 Personal Identification

• Residencia and Passport: Ensure you have valid proof of residency and identity.

💼 Employment and Income Documentation

• Vida Laboral: A comprehensive work history report.
• Most Recent IRPF Declaration: Your latest income tax return.
• Last 3 Months' Bank Statements: Demonstrate financial stability and cash flow.
• Employment Contract: Required if you are currently employed.
• Last 3 Months' Nóminas: Recent pay slips to verify income.
• Proof of Additional Income: Include documentation if applicable.

🏠 Property Documentation

• Escritura: The title deed for any property you own.
• Rental Contract: Include the last 3 months' payment receipts if renting.

📊 Financial Reports

• CIRBE Report: Provided if requested by the bank to assess outstanding debts.
• Receipts of Existing Loans: Documents showing current financial obligations.

👩‍💼👨‍💼 For Self-Employed Applicants

• Annual IVA (VAT) Returns: Documentation of your annual VAT payments.
• Last 3 Months' IVA Returns: Recent VAT filings to demonstrate business activity.
• Annual IRPF Declaration: Income tax return specific to self-employed individuals.
• Latest Social Security Payment: Proof of your social security contributions.

💰 Loan-to-Value (LTV) Insights

Residents can generally borrow up to 80% Loan-to-Value (LTV), with the possibility of higher amounts in exceptional circumstances.

🌟 Why Choose Us?

• Expertise: Over 20 years of experience in the Spanish mortgage market.
• Tailored Negotiation: We secure the best terms and rates tailored to your needs.
• Bilingual Support: Our team communicates fluently in English and Spanish, ensuring clarity throughout the process.

Ready to begin your journey towards homeownership?

Contact us today for personalized assistance and to gather your documents! 📞✉️

Your dream home awaits! 🌍🏠

Embark on your property journey in Spain! To facilitate your mortgage application as a non-resident, please prepare the following essential documents:

📑 Essential Identification

• Copy of Your Passport: Valid identification for verification purposes.
• Copy of Your NIE: (Número de Identificación de Extranjero) – your foreign identification number.

💼 Financial Documentation

• Last 3 Months' Bank Statements: Must show declared income and financial stability.
• Details of Investments or Assets: Provide documentation of your financial portfolio.
• Proof of Pensions: Required if applicable to your financial situation.

👔 Employment Verification (if applicable)

• Last 3 Months' Pay Slips: For employed individuals to confirm income.
• Latest P60: UK tax summary if you are a UK taxpayer.

👩‍💼👨‍💼 For Self-Employed Individuals

• Latest SA302: Or annual accounts certified by a chartered accountant.

📊 Credit and Financial Reports

• Experian Credit Report: To evaluate creditworthiness.
• Proof of Funds: Documentation for the difference between the purchase price and mortgage, transferred to a personal bank account provided by the lender.

🏠 Property Documentation

• Nota Simple: Property registry report to verify ownership details.

💰 Loan-to-Value (LTV) Insights

Non-residents can typically borrow up to 70% Loan-to-Value (LTV), subject to property valuation. Higher amounts may be considered for applicants with strong income profiles.

🌟 Why Choose Us?

• Expertise: Over 20 years of experience in the Spanish mortgage market.
• Tailored Solutions: We negotiate the best mortgage conditions and rates for you.
• Bilingual Support: Our team ensures seamless communication in English and Spanish, making the process straightforward.

Are you ready to take the next step towards owning property in Spain?

Contact us today for personalized assistance and to gather your necessary documents! 📞✉️

Your Spanish property awaits! 🏡✨