Competitive mortgage packages to suit all requirements

Conti Casa only works with some of Spain’s leading mortgage brokers who offer competitive mortgage packages to suit all requirements. Spain has a fairly developed mortgage market with numerous lenders offering what can often be a bewildering variety of packages.

Our brokers’ special relationships with leading Spanish and international banks ensure that they are able to negotiate excellent conditions for clients and are able to obtain the very best mortgage deals from the best mortgage lenders, often unattainable elsewhere. They can also guide you through the mortgage set-up process step-by-step.

For most people there are many reasons for financing at least a part of a property purchase, especially given the current low interest rates.

Our mortgage collaborators are also able to help you decide which kind of repayment model would work best – be it fixed, variable or a combination of the two. They are specialised in securing Spanish mortgages for non-residents and residents, obtaining the most competitive Spanish mortgage rates. They can also help you decide whether to take out a Spanish mortgage or remortgage an existing property in another country.

Recently there has been a dramatic increase in the number of Spanish banks lending for property purchases, which has led to some very attractive conditions becoming available. Normally mortgages of up to 70% are available to non-residents and 80% to residents (i.e. those who pay their income taxes in Spain). For clients residing outside Europe, some banks prefer to lend less although this depends on the client’s profile. Interest rates are still at an all-time low and have remained low for the last 4 years. However, a future rate rise is possible and for this reason many clients prefer to have a fixed rate mortgage.

Conti Casa mortgage brokers are continually evaluating the lending options available so will know which mortgage and which lender is right for buyers, avoiding the minefield of often confusing financing options.

After reviewing a buyer’s individual needs, our mortgage brokers approach their contacts directly, giving buyers the freedom and confidence to put in offers on properties.

Advantages of working with Conti Casa’s specialist mortgage brokers:

• They give impartial mortgage advice as they are aligned to different lenders
• They provide a highly personalised service, getting to know you and your short and long-term goals
• They can act as a point of contact with your lender
• They are always available to answer any queries during the mortgage application
• They will ensure the process is as simple and quick as possible, maximising the possibility of a stress-free process

Mortgage Direct

Conti Casa has been collaborating with Mortgage Direct for the last 10 years. They have been operating in Spain since 2006 and have cemented their place as the leading independent broker in Spain.

They offer a premium brokerage service to clients of all nationalities and secure the best possible deals. They are completely independent and have a wealth of experience in a market where contacts are everything and premium service is key. Their UK mortgage advisers hold the CEMAP mortgage qualifications, regulated by the Financial Conduct Authority (FCA).

Whilst the Spanish mortgage market is not regulated, they follow the UK’s mortgage regulation procedures. Their advisers speak various languages and aim to answer all mortgage enquiries the same day and send quotes within 48 hours.

Ferco Gestión

Ferco Gestión has been working with Conti Casa for around 5 years and has close contacts with all the major Spanish banks. Their core business is to negotiate and get the very best mortgage deal both for Spanish residents and non-residents.

Having operated for more than 10 years, Ferco Gestión is made up of a team of fiscal and financial analysts as well as some of the industry’s top lawyers. They can obtain mortgages for those looking for a primary residence, a second home or an investment property (whether as an individual or via a company). They can also obtain mortgages for those looking to rent out their property, mortgages for buyers looking to renovate a home or those who want to obtain a mortgage post-sale.

In addition, they can offer financial packages for those who want to release some equity in an existing property.