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 Lynne Morrison Clear Mortgages Founder  - Clear - Mortgages -At Clear Mortgages we source the very best lending terms for your UK or Spanish Property purchase. As 'Whole of Market' UK regulated mortgage advisers, we are proud to research the whole market place to find the very best loan to meet your financial objectives. SpainThere are many Spanish banks able to provide you with mortgage facilities, such as the Halifax Banco Hispania. Yes you can now even get 'that Xtra little help from Halifax' in Spain! So if you wish to finance your Spanish property purchase in part or totally from UK sources or through a Spanish lender, we can help. In fact it is possible to borrow up to 100% of the total purchase price depending on your circumstances.The First StepLet us help you now, simply complete and send initial enquiry details below and we will contact you immediately. Alternatively give us a call on 0161 351 7773.
WHY YOU SHOULD MORTGAGE UP TO THE HILT IN SPAINUnlike UK inheritance tax, Spanish IHT is levied on each beneficiary including spouses. The liability must be paid within 6 months of death and the property cannot be sold or used as collateral to raise the money. The level of tax varies according to the relationship of beneficiaries and maximum levels were recently 34% for each Spouse and children, although more than 80% for non relatives. A mortgage charged against your Spanish property may reduce the liability to IHT considerably. It is for this reason that many UK Spanish property owners have a mortgage or re-mortgage, even though they do not need the money. Mortgage interest rates are typically 3.5% or less for euros and only 2.5% in Swiss francs. The money released is invested outside Spain to avoid Spanish IHT and hopefully to obtain investment returns to match or exceed their mortgage interest. If you are resident in Spain a visit www.expatinvestdirect.com for more information. Clear Mortgages is an English mortgage broker that is UK authorised and regulated. Their international division has extensive contacts with Spanish mortgage providers and are able to offer the best plan to meet your specific needs. They are able to source the very best Spanish mortgage tailored to your specific requirements. Clear Mortgages 316 Market Street Hyde Cheshire SK14 1RJ Clear Mortgages is an appointed representative of Prestbury Financial Limited which is authorised and regulated by the Financial Services Authority Reg No 310099 Important NotesYour home may be repossessed if you do not keep up repayments on your mortgage.Changes in the exchange rate may increase the sterling equivalent of your debt. |
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