FISCUS MORTGAGES - INFORMATION AND ADVICE

Bankinter mortgage products.

Bankinter can offer the following mortgage products to UK and spanish residents.

1. The current account – Opening a current account at Bankinter gives you access to a series of products and services that will make your stay in Spain easier and more comfortable.

- Direct debit: Simply by letting us have the billing details, we will contact the company providing the service to arrange for them to send the bills on a regular basis to Bankinter.
- Visa Electron Card or Visa Classic

2. Financing your home in Spain – Bankinter offers you the Mortgage best tailored to your personal circunstances. The property itself serves as guarantee, and according to your needs we will find just the right financing, in terms of the amount and period, to enable you to buy your home.

Mortgages are usually taken out at a variable interest rate, benchmarked to the Euribor, although other methods are possible.

* If the property is classified as "Rústica" the maximum loan to value cannot be more than 50% and the maximum term cannot exceed 15 years.

Re-mortgages are also an available product if you are not happy with the conditions or service provided by your current bank.

Interest rates & arrangement fee depends on every client and operation but our conditions are very competitive.

If you would like to use Bankinter please fill in the enquire form above. Once Bankinter has this they will then contact you for the infomation below.

- Your last three (monthly) salary pay slips or pension vouchers
- The last tax declaration made in your country
- If you are an employer or self-employed, you must provide us with your tax-return and annual accounts for the last two fiscal years.
- In the case of a married couple, please give details of both spouses.
- Details of the property you are planning to buy.

3. Insurance – For your up most peace of mind, and that of your family, Bankinter has a very broad range of insurance products, that enables us to provide you with the solutions that cover you in the event of any risk.

Loan Repayment Life insurance. With the mortgage signed in Spain, you have taken on a commitment to make periodic payments over a period of years. This insurance cover guarantees, in the event of the policy holder’s death, that the loan is completely paid off, preventing it from becoming a burden to be shouldered by your family.

Home insurance. To cover any damage to your home, with the option of taking out cover for both the Home and the Contents.

Why us?

There are loads of lenders in Spain so why should a client choose Bankinter?

- We have a lot of experience when it comes to foreign clients. We have a special risk department which only deals with mortgage applications from non-residents.
- We know how important it is to be transparent and explain everything for our clients. The process and all the conditions of the mortgage should be clear so there are no surprises when signing the deeds.
- Every client is a single case and we like to offer a personalized attention and quick answers. Swift, efficient and flexible and very service minded are foundation pillars.

YOUR NEXT STEPS

Your best option is to speak to an Independent Financial Adviser (IFA) that can find the deals that are best suited to your individual circumstances. If you would like to speak to one of our IFAs, please complete our mortgage enquiry form and we will have one contact you within 24 hours.