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Spanish Mortgage, Mortgage in Spain,
Spanish Mortgages and Andalucia Mortgage

Untitled Document
Property for Sale Zone
 Property for Sale Search  Top New Developments  Moving to Spain
 Estate Agent Directory  Currency Converter  Buyers Guide
 Mortgages in Spain  House Insurance  Financial Advice


When buying a property in Spain it is wise to make sure you speak to a fully impartial and international mortgage broker who knows and understands the market in depth. There are potentially a number of ways you can consider raising finance and a vast array of products and lenders. An independent mortgage broker can ensure you understand and have access to all finance options available.

To read more about how to obtain a mortgage in Spain, go to our Mortgage Advice page. To calculate your mortgage, go to the Mortgage Calculator page.

The Mortgage Calculator The Mortgage Advice Page


Actos Juridicos
Documentados (AJD)
Stamp duty
Check for any outstanding fees that need to be taken
into account
Contrato de
Contract of sale, this is signed when the 10% deposit
is paid, check 'completion time', Escritura value,
Furniture inclusion and other conditions of the sale
Copy of Escritura
This will be certified copy of the title deed
Cuotas de comunidad
Community service charges
Escritura Publica de
The title deed. This will show who the true owner/s
are and define exactly what is being purchased
Escritura value
Purchase price of the property and content value
(Tax Office) Checks there are no outstanding taxes
and that previous wealth tax submissions were made
Impuesto Sobre
Patrimoniales (ITP)
Property Transfer Tax
Legal Definition of the
Exactly what is being sold - (bit embarrassing to buy
a villa, and then find the deeds don´t include the
land it stands on)
Liabilities and debts
The extent of any borrowings or liabilities, if any,
guaranteed by the property and any outstanding
debts on the property.
Nota Simple
An extract from the title, which confirms current
ownership and shows any mortgages or embargoes
on the property. Available from the land registry
The public impartial witness (Notary)
Plus Valia
Capital Gains tax on land
Registro de la Propiedad
The land registry
Town Hall
Checks that the annual Municipal rates have been
paid up to date