|
Can't Find The Deal You Want? Contact Us Now With Your Enquiry
Spanish Mortgage LTV
Highest LTV Spanish Mortgage
| First Year Rate |
From 4.25% |
| Max LTV |
70% (lower of price or valuation) Non Residents
80% (lower of price or valuation) Residents |
| Interest only |
No |
| Mortgage type |
Tracker (follows 12 month Euribor base rate) |
| Mortgage Suitable For |
Purchase Only (including Fincas and rural properties) |
| Margin above base rate |
+ 2.20%* for life of mortgage |
| Arrangement fee |
From 1% (min 600€) |
Early cancellation fees
|
0.5% (reduces to 0.25% after 5yrs) |
| Maximum term |
30 years (to max age 70 years old) |
| Minimum term |
5 years |
| Max lending |
Max 30% of debt servicing ratio
|
*-margin reduced from 3.00% to 2.20% by contracting home + life insurance and prestige current account.
Spanish Tracker Mortgage
Best Spanish Mortgage Rate
| First Year Rate |
From 3.95% |
| Max LTV |
60% (lower of price or valuation) Non Residents
80% (lower of price or valuation) Residents |
| Interest only |
No |
| Mortgage type |
Tracker (follows 12 month Euribor base rate) |
| Mortgage Suitable For |
Purchase Only (including Fincas and rural properties) |
| Margin above base rate |
+ 1.85%* for life of mortgage |
| Arrangement fee |
From 0.60% (min 600€) |
Early cancellation fees
|
0.5% (reduces to 0.25% after 5yrs) |
| Maximum term |
30 years (to max age 70 years old) |
| Minimum term |
5 years |
| Max lending |
Max 30% of debt servicing ratio
|
*Home + life insurance required to be taken with Bank
Spanish Tracker Mortgage
Best Interest Only Spanish Mortgage
| First Year Rate |
From 5.60% (subject to valuation - see Interest only rates)
|
| Max LTV |
60% (lower of price or valuation) |
Interest Only
|
Yes. First 5 years of mortgage term
(capital and interest thereafter) |
| Mortgage Type |
Tracker mortgage
(follows 1 month or 12 month Euribor base rate |
| Mortgage Suitable For |
Purchase, Remortgage, Capital Raising (No Fincas) |
| Margin Above Base Rate |
From + 3.50% (see Interest only rates) |
| Arrangement Fee |
1% (min 600€) |
| Early Cancellation Fees |
0.5% (reduces to 0.25% after 5yrs)
0% Partial repayments (min 10% of loan amount) |
| Maximum Term |
25 years (to max age 70 years old) |
| Minimum Term |
5 years |
Minimum Loan Amount
|
50.000€ |
| Max Lending |
Max 50% debt servicing ratio
(to max of 5 x gross income) |
Interest only Spanish Mortgage
Easy Mortgages Spain
Best Penalty Free Spanish Mortgage
| First Year Rate |
From 4.00% |
| Max LTV |
60% (lower of price or valuation) Non Residents
80% (based on valuation) Residents |
Interest only
|
Yes - First 2 years of mortgage term
(capital and interest thereafter) |
| Mortgage type |
Tracker (follows 12 month Euribor base rate) |
| Mortgage Suitable For |
Purchase Only (No Fincas) |
| Margin above base rate |
+ 3.25% for life of mortgage |
| Arrangement fee |
From 1% (min 600€) |
| Early cancellation fees |
0% - No early redemption penalty
+ overpayments up to 10% per annum |
| Maximum term |
25 years (to max age 70 years old) |
| Minimum term |
5 years |
| Minimum Loan Amount |
30.000€ |
| Max lending |
Max 30% debt servicing ratio |
Best Spanish Mortgage
Best Fixed Rate Spanish Mortgage
| First Year Rate |
6.20% |
| Max LTV |
70% (lower of price or valuation) Non residents
80% (lower of price or valuation) Residents |
Interest only
|
No |
| Mortgage type |
Fixed rate for 12yrs at 6.20% |
| Mortgage Suitable For |
Purchase, Remortgage (including Fincas and rural properties) |
| Margin above base rate |
N/A - 6.20% constant rate (see fixed rates for alternatives) |
| Arrangement fee |
From 1.50% |
| Early cancellation fees |
0.50% during first 5yrs, 0.25% thereafter + 4% interest rate exposure fee |
| Maximum term |
30 years (to max age 70 years old) |
| Minimum term |
12 years (see fixed rates for alternatives) |
| Max lending |
Max 30% debt servicing ratio |
Fixed rate Spanish mortgage
Best Capital Raising Spanish Mortgage
| First Year Rate |
From 4.35% |
| Max LTV |
60% (of valuation) Non Residents
60% (of valuation) Residents |
| Interest only |
No |
| Mortgage type |
Tracker (follows 12 month Euribor base rate) |
| Mortgage Suitable For |
Capital Raising, Purchase, Remortgage (No Fincas) |
| Margin above base rate |
From + 2.50% for life of mortgage |
| Arrangement fee |
From 1% (min 600€) |
Early cancellation fees
|
0.5% (reduces to 0.25% after 5yrs) |
| Maximum term |
25 years (to max age 70 years old) |
| Minimum term |
5 years |
| Max lending |
Max 50% of debt servicing ratio
(to max of 5 x gross income) |
Non Status Mortgage
| First Year Rate |
From 4.35% |
| Max LTV |
50% (lower of price or valuation) Non Residents
50% (lower of price or valuation) Residents |
| Interest only |
No |
| Mortgage type |
Tracker (follows 12 month Euribor base rate) |
| Mortgage Suitable For |
Purchase (No Fincas) |
| Margin above base rate |
From + 2.55% for life of mortgage |
| Arrangement fee |
From 1% (min 600€) |
Early cancellation fees
|
0.5% (reduces to 0.25% after 5yrs) |
| Maximum term |
20 years (to max age 70 years old) |
| Minimum term |
5 years |
| Max lending |
120.000€ (max 50% of price) |
Interest Only Rates
Mortgages OVER 100.000€*
Tracks 12 month Euribor base rate
(reviewed annually) |
Mortgages OVER 100.000€*
Tracks 1 month Euribor base rate
(reviewed monthly) |
|
|
Up to 50% LTV
from EURIBOR + 3.50% |
Up to 50% LTV
from EURIBOR + 4.10% |
50% to 55% LTV
from EURIBOR + 3.55% |
50% to 55% LTV
from EURIBOR + 4.15% |
55% to 60% LTV
from EURIBOR + 3.60% |
55% to 60% LTV
from EURIBOR + 4.20% |
*- Mortgages under 100.000€ margin increases by 0.20%
Fixed Rates
| Term of Mortgage |
Fixed Rate % |
|
|
12 years
|
6.20% |
15 years
|
6.40% |
20 years
|
6.60% |
25 years
|
6.70% |
30 years
|
6.70% |
Back to top
Contact us now to find out if we can help you. Contact us
|
Best Mortgage Deals
