The Spanish Mortgage Company will identify and address the key financial issues that determine the success or failure of your mortgage application based on four fundamental points.

Structure

We can only achieve an efficient and quality service if our work is properly structured. Only when we have reached our first objective will we move on to the next stage. (enquiry application, viability study, complete information, develop package, bank economic approval, valuation, official bank offer, completion date and fees) We appreciate that occasionally there are exceptions. Our service is flexible enough to deal with these situations.

Our relationship with every bank and building societies is different. As a result the way we work with every institution requires a different approach. The way we run our business has to accommodate all of these differences. Structuring our business correctly means we are always approaching the right bank, in the right way and at the right moment. This means we can achieve the best deal for our clients

Confidence

Our business is based almost entirely on references. Over the past three years more than 90% of our clients have been referred to us by previous clients. This is a trend we are extremely proud of and one we wish to continue. Only by achieving a good quality service and meeting the needs of our clients have we maintained these excellent figures.

Conditions

We help you understand what the conditions of the mortgage really are and what they really mean. Conditions are more than just the interest rate in the first year. Our objective is to arrange the best conditions available to you. The best conditions for you will be very different from that of any other client. Your application is unique to you and we will give you a unique response. We can achieve this thanks to the attention we take of your case and our knowledge of the market.

Knowledge of market

Every client is a world unto their own. Many clients assume that their situation is impossible or that their situation is so favorable that they deserve exceptional conditions. In both examples the most important step is to complete the enquiry application as honestly as possible. This form is not an official application it merely helps us identify the information required in order to achieve the best conditions for you. Providing false or exaggerated information will only result in us providing you with an inaccurate response wasting both your time and ours. Every bank is a world unto its own. There are too many factors that will determine whether or not your application might be suitable for any particular bank to mention. The size of the bank (large or small), whether they are in a period of expansion, the time of the year, the time of the month, their understanding of resident and non resident status, their internal policies, their linguistic skills, their internet facilities, the level of documentation they require, their loan to value offered and the interest rate applicable to mention just a few of the possible variables Our knowledge of the market means that regardless of your situation there will be an answer.