We can offer mortgages from the whole of the market including exclusive deals

Mortgages

We specialise in mortgages for properties in both the UK and Spanish property markets. Our mortgage services include;

  • Mortgages for house purchases
  • Mortgages for buy to let and let to buy *
  • Mortgages for council house purchase (Right to buy)
  • Remortgages, Commercial Mortgages & Related Insurances **
  • Mortgages overseas & Property Insurance (Check our list of countries below)
  • We act independently for clients whether they are purchasing via an Estate Agent or if a private sale.
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* Not all form of mortgage are regulated by the Financial Conduct Authority.

** You may have to pay an early repayment charge to your existing lender if you remortgage.

List of Countries

Please contact us for a list of countries

UK Mortgages

We can provide you with an agreement in principle enabling you to be in the best position when purchasing a property and with our knowledge of the property market ensuring that everyone is happy with the outcome and updated to meet your requirements. All of our clients receive regular updates to their own individual requirements, we receive a very high % return of our customer completion questionnaires which ensures throughout, that we promote the requirements of (TCF) Treating Customers Fairly.

(TCF) Treating Customers Fairly

Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority (FCA) do not regulate some forms of mortgage. This is a lifetime mortgage. To understand the features and risks as for a personalised illustration.

  • We offer one to one jargon free independent advice at a time to suit you, our client.
  • Independent – As independent mortgage brokers, we have access to the whole of the market for our mortgage deals.
  • With our technology we can search thousands of available mortgage deals saving you the time and effort.
  • We also have exclusive mortgage deals available.
  • We do what we promise within your requested timescales.

Spain's Premier Brokers :: Making Your Dream a Reality

"¿Hola, cómo está usted?"

Fortunately at Spain’s Premier Broker (SPB) we ensure that when getting your perfect property abroad, you won’t even need to understand this much Spanish.

You may have found your dream home in the sun or you will soon. When the time is right, let us help take all the stress out of your move by finding you the perfect mortgage. At SPB financial services we take pride in doing a great job and making your move as stress-free as possible.

We look forward to turning your pipe dream into a wonderful reality.
Steve Barber,
Founder of SPB Financial Services

Tailored package to suit you

Step1: Choose your dream property at the right price
Set an amount that you feel happy with. Call us on Freephone 0800 1123 418 and we can calculate how much in principle you would be able to raise. This can be done in a number of ways including equity release.

Step2: Get a mortgage offer agreed
You can often find out whether you are eligible prior to making an application and it is free of cost. Call us to find out and this agreement in principle can last between 3 and 6 months and increases your buying power. *

Step 3: Make a full mortgage application
One of our qualified advisors will be happy to arrange a meeting with you to complete the paperwork and answer any queries you may have.

Will I need a solicitor?

As you will need a conveyancing firm to purchase your property we can instruct one on your behalf from our network of strategic partners without you ever having to see the solicitor.

Financing your dream

Examples to help guide your thinking…

Taxation can be a very complex area and subject to change therefore we have provided a brief list of the most common, and we can provide you with the accurate costs to meet your own circumstances.

  • Capital gains tax
  • Income tax
  • Property tax
  • Valued added tax ( IVA )
  • Refuse collection
  • Transfer tax (ITP) buying a re-sale property
  • Inheritance tax
  • Stamp duty

Other related insurances we can arrange include; Property insurance, Medical cover & Life insurance. For a full list of services and products visit spbspain.co.uk

What are the Legal Fees?

Fees may be subject to change

* Changes in the exchange rate may increase the sterling equivalent of your debt

* Not all forms of mortgage are regulated by the Financial Conduct Authority

NB. If you are buying off plan, you will have paid some of this already to the developer or agent within the stage payments

Spanish Wills

Having a Spanish Will to cover only your assets in Spain will simplify and reduce the costs of further inheritance issues. We can introduce you to our partners APS Legal Spain.

There will be a fee for mortgage advice and arrangement, dependent upon your circumstances but we estimate it to be 1% of the loan value, example for a loan of £100,000 the fee payable would be £1,000.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration?

What to do next…

After you have put everything in our hands, you can sit back relax and plan when you are going to start those Spanish lessons after all…

Contact us

  • SPB Financial Services
  • 10 Wharfedale Drive
  • Altofts
  • West Yorkshire
  • England
  • WF6 2RA
  • Tel: 01924 223212
  • Mob: 07760427625

Our Partners

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