Spanish Mortgages Self - Cert Mortgages Mortgage

Overseas Living Group
Spanish Mortgage Self - Cert Mortgages Guide 

Spanish Mortgages Home Page
Spanish Mortgages General Info
Full Status Mortgages
Self - Cert Mortgages
Property Valuation For Mortgage Purposes
Personal Identification
Equity Release
Property Identification
Approval in Principle
Mortgage Products
Final completion at the Notary
Registration of the property and N.I.E.number
Mortgage fees and taxes
Spanish Property Taxes

Self - Cert Mortgages

To get a self-cert mortgage you do not have to provide all the supporting documentation regarding income that is required for a full status mortgage. Sounds great but the downside is you will not get as much LTV on the property; maybe only 65% of valuation. Also most banks will increase the interest rate you pay to help cover the extra risk because they perceive self cert Spanish mortgages as higher risk; that is why most banks will not offer them. You will have to make a declaration that you have sufficient income to make the monthly payments.

If you have any questions or would like a mortgage quote we will be pleased to help. Please contact us using the following form Spanish Mortgages Enquiry

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