Obtaining a mortgage today in Spain, can be difficult, costly and time consuming.

You should not automatically take a mortgage recommended by the seller or their agent but analyze and compare a range of different products and services offered by different lending companies, in order to achieve the mortgage which is most appropriate for your capabilities and needs.

There are a range of mortgages on offer and you should pay special attention to the interest rate and repayment period, fees for setting up the mortgage as well as early repayment and cancellation fees, administrative fees for the notary and registry, taxes and currency risks.

Look out for clauses regarding insurances and other linked products that the lender want to include in the deal and often comes as a surprise the day of the signature.

If you are interested in obtaining a mortgage to finance your property purchase in Spain let us handle the process from A-Z. Our staff has more than 15 years of experience in the financial sector and knows what to do and negotiate on your behalf. Based on your personal financial situation and needs, we will make a selection of banks that are likely to offer and approve the best mortgage possible for you.

We at CZML Lawyers will intend to make the process as easy as possible and clarify all your doubts about the terms and conditions so you fully understand the mortgage agreement you sign.

Please contact us for a free preliminary advice and information.