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MORTGAGES
The most important point to consider here is whether you want a mortgage from your own country or from a Spanish lender. Both will be looking for similar proof of income to ensure that you can meet your repayments.

Many new developments in Spain come with favourable mortgage deals that have been negotiated by the developer with a particular bank, which may be better for you than choosing your own lender.
Should you decide to use a Spanish lender you need to be aware of the fact that most of them will only lend a non-resident up to 70% of the declared value of the property. The length of the mortgage will also depend on your age, and so it can vary from 10 to 30 years...

INSURANCES
YOU CAN CONTRACT A HOME INSURANCE POLICY THROUGH A SPANISH BROKER - "CORREDOR DE SEGUROS" OR "AGENTE DE SEGUROS" - OR THROUGH YOUR BANK OR FINANCIAL SERVICES BROKER. OUR FUNCTION IS TO COUNSEL YOU TO TAKE THE BEST DECISION.

CONTRACTS
Spain has a system whereby contracts are signed at an earlier stage than in the UK - so if you are at the stage of viewing properties and do not want to waste everyone's time, including your own, it is important to commit to buy a property quickly.