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Palma de Mallorca · Zürich

   
 

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Investment-Tip

Re-mortgage for cash

EXPERT CONSULTATION IN PUERTO DE ANDRATX

Finanzkontor SL offers Tax Advice for Non-Residents in Spain 

Tuesday: With emphasis on "Rentals". 

Wednesday: Property evaluations by an real estate assessor

Thursday: Mortgage Advice 

This service is free of charge and without obligation! Please call us to fix a meeting.

Mortgage & Equity Release Spain: more money for a mortgage in Spain

Remortgaging to a new home loan at a lower interest rate could save you thousands of Pounds over your current mortgage. Equity Release and Remortgaging could also give you more money and could be more cost-effective if you are moving home and need a bigger mortgage, or if you want a bigger mortgage to raise extra cash.

The size of remortgage you could get depends on how much you want to borrow, the value of your current property and your disposal income.

Our Remortgaging and Equity Release program is available in these currencies: Pound Sterling, Swiss Franc, US-Dollar and EUR

Finanzkontor S.L. offers you more than just a financing of your desired property: We offer the security to correctly handle all legal and fiscal aspects by carrying out the entire transaction!

As your Mortgage Broker based in Palma de Mallorca, Frankfurt and Zürich we offer comprehensive advice on your best mortgage in Spain on an international level:

Equity Release Scheme, Interest Only Mortgage, Buy to let Mortgage in Spain, Lifetime Mortgage ...

Due to our independence we can choose freely from all products available in the market and offer you a wide variety of interesting financing tools at especially advantageous terms. By using a combined financing as a bridge financing in collaboration with Interhyp we achieve a financing of up to 100% of your summer home.

We offer you top conditions by more than 15 banks and insurance companies as well as individual advisory for the purchase of your property. Finanzkontor S.L. finances you property in Spain in a safe and inexpensive way. 

  • Because we are specialists in financing Spanish property. 
  • Because we offer the best terms and conditions. 
  • Because, contrary to other providers, we confirm the financing in written form.
 

What to look out for when comparing different financing methods?

Transparency

Spanish banks try to confuse you; they make a comparison of different offers impossible by introducing a multitude of fees, charges, fixed interest periods and differing indices (up to five different indices of reference). However, such a comparison is important in order to know precisely what costs, monthly burden and mortgage duration to expect.

We offer free of charge a comprehensive analyze of every mortgage offer and tell you, how much money you can save! Please call Kinga Veréb for more information.

 
Product Name Min LTV Max% Max loan amount Advantage
PIN (Private Investment Note) 1.000.000 EUR 50% No limit
  • low documentation
  • interest only
  • no installment for the first two years possible
  • loan repayment with sale of property
 Credit Line (overdraft facility)  250.000 EUR  60%  500.000 EUR
  • Interest only
  • Repayment at any time
  • pay interests only on your outstanding amount of money
 French Annuity  100.000 EUR  80%  No limit
  •  Repayment and interests in one very low installment every month
 Lifetime Mortgage 1.000.000 EUR 25% 1.000.000 EUR
  • no docs, just passport and escritura deed
  • age of borrower between 50 and 70 yrs of age

 

 

Exclusive Golf properties with Sea View at only 333.33 EUR per month?

Expand your financial scope by intelligently financing your first class property.

Have one of our financing experts calculate how much money you can save.

Looking for reasons

Why can the bank's oral loan commitment and therefore the appointment at the notary's not be kept?

The most important reasons are:

  • The bank does not accept the seller's demand to state a lower purchase price in the escritura than has actually been paid.

  • The official appraisal determines a lower value than that indicated in the bank's offer. 

  • The bank realizes that the entry in the land register doesn't coincide with the actual state of the property.

Cheap Mortgage: Mortgages for only 1,5% interest

Only for good, solvent customers! 100% repayment possible at any time.

Request your personal quotation online and profit from personal advice by our financing experts.

Nominal interest first year * 1,50%
Remaining years Libor with monthly assessment plus individual Margin *
Personal differential   starting at 0,95 *

Opening charge

1%

Maximum duration

25 years

Minimum mortgage amount

100.000,- EUR

* Differential for residents, non-residents on enquiry, dependent on the duration of the mortgage and the degree of mortgaging.

The personal differential is calculated individually for each client according to their financial situation and applies only in combination with other products: term life assurance and fire insurance. In order to find out your personal differential, please fill in our credit application and one of our consultants will contact you.