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14 Mar 2007 12:00 AM by CBA Star rating in Surrey. 13 forum posts Send private message

Hi all,

I have bought an Albatros on M11-23 & in the process of looking for a € mortgage. Would anyone know who I could approach for a quote?

We have been told we are due to complete in May, but going by some stories I have read, that could be by Xmas!

Thx in advance

Craig



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15 Mar 2007 5:38 PM by ******** Star rating in UK & Murcia. 574 forum posts Send private message

Hi Craig

Maybe the new podcast of Justin's interview with  Smiley (Patrick from Marbella Mortgages) will be of interest.  I have previously had excellent help from Patrick by sending a personal message.  We have a mortgage with BBVA, but if you read the general message boards, there are recommendations from members for other lenders.  I think Halifax in Spain may be one.

There does seem to be a difference in the way the 'named' lenders that we recognise from the uk lend, and lenders in spain calculate what you can apply for.  You'll neeed an expert, not me to explain, but it's generally about the loan to value rate.  Uk lenders base the % loan against  the property valuation  and or purchase cost but some spanish lenders base the % loan on the current price of the new build.  So effectively, as the prices for SG properties have increased over the last 4 years, you could borrow more.  It is not as common as before apparently, but is possible......

that's probably as clear as mud and as useful as a chocolate teapot ....sorry - maybe someone else can help or post this on the general forum.  Good luck Craig. 


_______________________

Jane



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25 Mar 2007 11:35 AM by denny Star rating. 23 forum posts Send private message

Hi Craig,

I have just come back from a visit to SG and also went for a chat with the bank(BBVA) who are dealing with the mortgages for SG through Grupa Masa.We were quoted  quite a good rate and no survey fees.If you want get in touch and I will send you phone number and e-mail address of contact at bank,she speaks very good english and explained everything well.She also told me that BBVA will have a bank on SG and she will be moving to this branch when opened.Hope this is of some help.

Regards,

Denny M16-32    



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26 Mar 2007 2:36 PM by CBA Star rating in Surrey. 13 forum posts Send private message

Thx guys for your info.

Denny - I would appreciate it if you could pass it on & I will contact them for a quote.

Thx again...cu soon.

Cheers

Craig



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