Property Law Advice

Mortgages and Bank guarantees

90% of people buying a property in Spain need to apply for a mortgage to finance the purchase.

Unfortunately, the process is more long-winded and complex in Spain than in the United Kingdom as the Spanish banks ask for guarantees from applicants.

To guide you through the Spanish mortgage maze we will:

• Provide information about the various mortgage products available in the Spanish market
• Advise you about the best products according to your needs
• Oversee the provision of the documents that the bank requests
• Follow the entire process until the mortgage is approved
• Sign the mortgage on your behalf at the same time as signing for the purchase (if you so wish)
• Arrange the standing orders to your bank account to pay the services of the property and also the home insurance

Property Questions and Answers

• Guarantees when buying property off plan (Article No. 001)
• Spanish Land Registry, the Nota Simple (Article No. 005)
• Registering land at the Property Registry for the first time (Article No. 007)
• Non registered property (Article No. 012)
• Division of plots of land (Article No. 015)
• Off plan contracts with developer (Article No. 016)
• Breach of the contract by developer (Article No. 017)
• Rights of tenants (Article No. 019)
• Double sale of a property. Horror story! (Article No. 020)
• Is the property market bubble really going to burst? (Article No. 022)
• Breach of a private purchase contract by the buyer party (Article No. 025)

Property Law issues

BUYING PROCCESS IN SPAIN (LEGAL GUIDE)

• Buying "off plan"
• Buying a rural property
• Buying land for development
• Land registry searches

BUILDING, ALTERATIONS & REFURBISHMENTS

• Building your house in Spain
• Alterations and refurbishments

SELLING PROPERTY

RENTING PROPERTY

COMMUNITY OF OWNERS

MORTGAGES & BANK GUARANTEES

FISCAL REPRESENTATION AND TAXATION

DIRECT DEBITS

PROPERTY & CONSTRUCTION LITIGATION

PLEASE NOTE:

If you have any property matter requiring immediate attention please contact Diego Echavarria (00 34) 606 307 885 (mobile)