Personalised mortgage guidance
International clients
Resident and non-resident foreigners
ARE YOU A FOREIGNER LOOKING TO BUY A HOME IN SPAIN?
At Fer & Co. we take care of all the paperwork for you.
At Fer & Co. we guide resident and non-resident foreigners who want to buy a home in Spain through the whole mortgage process.
Some of the many services we offer include:
Buy Your Home in Spain, Stress-Free from Bureaucracy
Purchasing a property in Spain requires international buyers to complete several mandatory legal procedures with the local authorities. We know that dealing with paperwork in a foreign country can feel complex and overwhelming. That is why our team of experts handles the entire administrative process for you. We ensure every formality is managed quickly and securely, leaving you free to focus entirely on enjoying your new home.
Tailored Financing for Your Home in Spain
Buying a property abroad is a major investment, and having the right financial backing is key. As a non-resident buyer, you can secure financing for up to 70% of the property's purchase price. We know that negotiating with foreign banks can be challenging. That is why our team of mortgage experts handles the entire process to secure the most competitive and personalized rates on the market.
Pre-Valuations: Buy with Total Financial Confidence
Before taking any steps toward a purchase, knowing the property's true market value is essential. Our professional pre-valuation service allows you to design the perfect mortgage strategy before committing your funds.
Mortgages for Non-residents
We guide you through the process with the bank and you will have a mortgage expert available to answer any questions, any time. You won’t have to think about anything other than enjoying your future home!
Our team of experts will be there for you throughout the process of buying your home to resolve any doubts that may arise.
WHAT DO WE OFFER?
We guide you and make sure you have all the information you need to buy your home, from beginning to end.
We get you the best mortgages on the market, the ones that best fit your situation.
HOW DO WE DO IT?
We scour the banking market using our collaboration agreements with the financial institutions operating in Spain.
HOW DO NON-RESIDENT MORTGAGES WORK IN SPAIN?
Non-resident mortgages are loans granted by Spanish banks so that foreign clients or Spanish expats with their tax residence in another country can purchase property in Spain.
For Spanish banks, a client’s nationality and tax residence, as well as the currency of their income, are extremely important. As is the currency of their savings. All of this conditions whether a feasibility study can be done for your loan, whether you will be offered a fixed or variable rate mortgage, and a payment structure that is comfortable for you.
It is also important to take into account the client’s financial and job security, as well as their credit score. This is an essential part of the prevention of money laundering studies in order to ensure your down payment comes from legal sources.
We have collaboration deals with banks
to get non-resident clients nearly the same mortgage conditions as residents
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