Mortgage

Mortgage help

• Does the purchase price of what I am buying affect the loan to value (LTV)?
• How much do I need to invest to get a Golden Visa?
• Does it matter where the deposit came from?
• How long does it take to get an Agreement in Principle (AIP)?
• I want to include the costs of buying on the mortgage - is this possible?
• Additional financial details
• 100% LTV Mortgages
• Can I get a buy to let mortgage?
• What does loan to value mean (LTV)?
• What happens if I get a mortgage agreement and my property changes?
• What is a typical variable interest rate?
• What valuation companies do you use? Can I choose?
• Can I get a Golden Visa if I buy a property in Spain?
• Can I get a mortgage if I am releasing equity for the deposit in my domestic country?
• How is Spanish residency defined?
• How much can I borrow as a resident of Spain?
• I pay tax in the UK, what is the maximum I can borrow?
• Can I get a Golden Visa if I buy a property in Spain?
• I am buying with another applicant. Is that OK?
• I earn in UAE and don't have tax returns - is this a problem?
• How long does a mortgage agreement (AIP) last?
• What is an NIE number?
• Will the Spanish mortgage be in Euros?
• What is an Agreement in Principle (AIP)?
• How does your credit score affect a mortgage application?
• How long is a mortgage offer valid for?
• What is a typical variable interest rate?
• Can I get a resident mortgage if I work in Gibraltar?
• I don't have a property yet - should I apply?
• What is a typical fixed interest rate?
• What is a typical fixed interest rate?
• Adding a second applicant
• How much does a valuation report usually cost?
• What is the maximum term of a mortgage?
• I don't have any income but good liquidity and money in the bank - can I borrow?
• Who will update the land registry for me?
• I want to include the costs of buying on the mortgage - is this possible?
• What do I do if my property is undervalued by the bank?
• Can I get a mortgage on a plot of land?
• Will my salary bonuses be included in the bank's calculation?
• Property taxes Andalucia
• Will I need to travel to Spain to sign?
• What valuation companies do you use - can I choose?
• Can my company buy the property if I am a director?
• Do I need a Spanish bank account?
• What is the shortest mortgage term?
• What is a tourist license - how easy is it to obtain?
• I own shares - can I use them as a deposit?
• Can my company buy the property if I am a director?
• Can I use a property that has been paid off as a down payment?
• Does the type of property I want to buy (urban or rustic) impact how much I can borrow in Spain?
• Can I get a commercial loan in Spain to buy a property?
• What happens if I get a mortgage agreement and my property changes?
• Apply for NIE at the Spanish Consulate
• Can I get a mortgage if I am a resident but self-employed?
• Do Foxes cover the whole of Spain?
• I am an American citizen
• How much can I borrow as a resident of Spain?
• Do Foxes cover the whole of Spain?
• Tax declaration
• What is a tourist license - how easy is it to obtain?
• I have high debts but a good income - will I be granted a mortgage?
• I don't have any income but good liquidity and money in the bank - can I borrow?
• How long does a mortgage agreement (AIP) last?
• What is the purchase process in Spain
• Can I rent my property out once I've purchased it?
• How does your credit score affect a mortgage application?
• Will the Spanish mortgage be in Euros?
• What is the shortest mortgage term?
• What is an Agreement in Principle (AIP)?
• Can I get a mortgage if I am a resident but autonomo?
• How much do I need to invest to get a Golden Visa?
• How long does a valuation report usually take?
• I want to buy as a resident as I will live in the property, but I earn overseas?
• Get a mortgage in Spain as self-employed
• Will my salary bonuses be included in the bank's calculation?
• What banks do you work with?
• Will I need to travel to Spain to sign?
• Can I get a mortgage if I'm not a resident of Spain?
• Can I get a mortgage using a gift from a family member as a deposit?
• What do I do if my property is undervalued by the bank?
• Who will update the land registry for me?
• I want to borrow money for a purchase and a renovation - can this be done?
• What can I do about changing utilities?
• Does it matter where the deposit came from?
• Should I get an NIE before I start applying for mortgages?
• How long are mortgages fixed for in Spain?
• Are all mortgages Capital Repayment in Spain?
• Should I get an Agreement in Principle (AIP) before I travel?
• Are there any interest-only mortgages in Spain?
• Can I get a 'buy to let mortgage' in Spain?
• What banks do you work with?
• Can I get a resident mortgage if I work in Gibraltar?
• Income from a rented property?
• What’s the minimum I can borrow?
• How to Apply for an NIE
• Can I rent my property out once I've purchased it?
• How long are mortgages fixed for in Spain?
• Do you charge upfront for a mortgage?
• I don't have a property yet - should I apply?
• What do lawyers in Spain charge?
• I want to buy with more than one additional applicant
• Does my age affect how much I can borrow or how long for?
• I want to borrow money for a purchase and a renovation - can this be done?
• I want to buy as a resident as I will live in the property, but I earn overseas?
• What can I do about changing utilities?
• How much can I borrow against the purchase price of a property in Spain?
• I'm self-employed and get paid both salary and dividends? Will the bank accept this?
• I'm self-employed and get paid both salary and dividends? Will the bank accept this?
• What’s the minimum I can borrow?
• How long does it take to get an Agreement in Principle (AIP)?
• How long does it take to apply for a mortgage?
• What is a Nota Simple?
• I have high debts but a good income - will I be granted a mortgage?
• Does the type of property I want to buy (new build or resale) impact how much I can borrow in Spain?

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