Mortgage & Re Mortgage Costa Brava Advice

We act as Mortgage Brokers for our clients, we offer Costa Brava mortgage & Re Mortgage Advice and Planning - If you are thinking of buying a house in Spain, the chances are that you may just need a mortgage. Take some time to read through the useful mortgage guides available on the site, you can then work your way through the mortgage checklist, make use of the calculator and request more details....

Go to our latest Spainish mortgage offers!

Who are we?
The Costa Brava Mortgage broking department of Land and Sea (Estartit) is an independent mortgage brokerage. Our main activity is arranging finance for residents and non residents buying or re-mortgaging in Spain. Land and Sea acts as an intermediary; we search the market on behalf of our clients, to obtain the best possible conditions for their mortgage. Land and Sea works with all of the major lenders in Spain. The lenders offering their services in Spain are not only Spanish lenders, but also UK Dutch, and many other Northern European lenders.

 

We have established excellent relationships with all the leading banks in Spain and the UK and, through our comprehensive knowledge of the products available, we believe we can find the right mortgages and the best
deals for your clients.

 

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For example, some of the things we can offer are:

- remortgage

- 90% LTV non-residents

- 100-120% LTV residents

- Multi currency mortgages (e.g., 2.208% interest-rates)

- 50% LTV self-certification mortgages (i.e. no need to prove income)

- 40 years interest-only

- Terms up to age 80

- Equity Release (can be applied for up to age 89!)

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At Land and Sea (Estartit) every client's case is dealt with in the same manner as each of us would want to be dealt with, i.e. professionally, simply and with understanding. We are very creative with the mortgage schemes we can offer and can even (subject to status) arrange 85% finance for your Spanish purchase by utilising equity on your UK home.

"We are here to obtain the best possible mortgage terms to suit your needs"

 

Let us take the strain - One of the biggest headaches for potential overseas buyers in Spain is how to finance the purchase. There are several laws and conventions in Spain, as well as different "jargon" even, which can make a Spanish property purchase a little daunting.

At Land & Sea, we want to assure you that this process can be simplified as much as possible by our team, who have extensive knowledge of both the domestic and Spanish mortgage systems. Often, a Spanish property can be financed by releasing equity from your UK property and that is where our combination of experience of both markets come into their own.

Agreement in principle - We also arrange an agreement in principle so that you know in advance that obtaining a mortgage is possible. Normally we can have an offer in principal within 48 hours.

Remortgage - Remortgage your existing property to benifit from longer mortgage terms, lower interest rates, interest only schemes etc. At Land and Sea you can substancially lower your monthly instalments or get cash in hand to invest in other properties or just to enjoy life.

Interest only Mortgages - Maximum loan value 80% of valuation - Mainland Spain & Balearics & Canary Islands - Euro Interest Only Loan for the First 10 years only, thereafter the loan is Capital & Interest Repayment.

Repayment Mortgages - Repayment mortgages offer the greatest simplicity. Your monthly repayments cover both the capital and interest on the loan, meaning that at the end of the term you have nothing more to pay. - When borrowing large amonuts these types of mortgages can be costly to service.

Construction Mortgages - upto 60% (of the valuation of the constructed property and not the cost of construction) - Mainland Spain & Balearics & Canary Islands – Euro Interest Only Loan for the First 24 months only, thereafter the loan is Capital & Interest Repayment.

Equity Release - Equity Release is a means of using the value of your home to receive either a lump sum of cash or regular monthly instalments. A person of an older age can release a higher percentage of the value of their home, than a person of a younger age, as they are not expected to live as long.

There is no maximum age limit for equity release, although applications are not usually granted for anyone under the age of sixty.

 

Email us today for a quotation

email mortgages@landseasales.com

We have properties to offer with the availability of mortgages in the following areas. Estartit, Sant Feliu de Guixols, Tarragona, Barcelona, Ebro, Empuriabrava, Santa Christina de Aro, Santa Margarita, Baix Ebre, Calonge, Pals, Playa d´Aro, Torroella de Montgri, Begur, France, Llagostera, L´Escala, Mas Pinell, Mora D´Ebro, Sitges, Casavells, Costa Blanca, La Tallada, Llança, Lloret de Mar, Monells, Mont Ras, Palamos, Peratallada, Playa d'´Aro, Playa D´Pals, Portugal, Querol, Rodonya, Roses, Rupia, Sa Riera, Sant Miguel de Fluvia, S´Agaro, Teruel, Torroella de Fluviá and Villaba de los Alcores.