HypotheekadviseurSpanje

HypotheekadviseurSpanje

About Us

HypotheekadviseurSpanje

Why Work With Us, our USP's

• Worth your trust. We are the market leader in Spain for mortgage advice;
• No need to travel to any bank offices for negotiations and/or signing. Full online process;
• We do all the work, which saves your client a lot of time and hassle;
• No problems with difficult Spanish text. Consultation in English, Dutch and German and contracts in English;
• Very efficient and pleasant consultation with an experienced English speaking advisor online via Google Meet;
• If necessary, we can request quotes for your client from 30 Spanish banks;
• Our organisation is licensed by the Spanish Central Bank;
• Your advisor has a CPA title and a Spanish professional diploma as a mortgage advisor;
• In practice, your client will have approval faster through us. After all, we do business with the same bank every day and know exactly the specific procedures. In addition, the banks rely to a large extent on the due diligence report of our organisation;
• Mortgage loans for 20 years with fixed interest. Sometimes even 25 years;
• Extremely competitive rates and T&C. We currently have a relationship with a bank that offers a fixed interest rate of 1.95% and with a bank that offers a fixed rate of 1.5% for a mortgage loan of 60% of the purchase price. Of course T&C apply. These exceptional low rates will only be granted to the strongest cases;
• Even if you or your client has a good friend at a bank, it is still likely that we will get better conditions at that same bank. An existing warm business relationship of 30 years is apparently less important than the high volume of contracts that we bring to the bank;
• We are not only the largest organisation in mortgage advice. We are also the address where you will find most customers from North West Europe and the US. We conclude a substantial number of contracts with clients from UK, USA, The Netherlands, Belgium, Germany, France, Sweden, Denmark and a large list of other countries;
• Your client will pay a low closing commission of less than 1% of the purchase price, this includes administration costs. There are smaller intermediaries that offer online between 1% and 3%;
• The first online consultation is completely free of charge and without obligation. We would like to introduce ourselves to your client personally and answer any questions;
• If after the initial consultation, your client is happy to move forward, with letting us request quotes, the chances of actually getting the loan are enhanced. At that time, your client will pay a small amount in administration costs for arranging these formal financing applications. We give a 100% guarantee that your client will receive a full refund in the unlikely event that the loan gets rejected by all banks approached;
• If desired, we can make a preliminary calculation (prior to point 16) of how much your client can borrow and on what terms. We provide such an Initial Quote free of charge. You and your client can consider this to be a non-binding feasibility study;
• We understand the differences between the conditions of foreign and Spanish banks as well as the differences between foreign and Spanish tax systems;
• We guide your client through the entire process. Many steps in the process are done by our organisation and do not require any involvement from your client;
• Sometimes it happens that a client has selected two or three houses and is preparing a trip to visit these properties (again) in order to get into final negotiations. Sellers are more willing to accept an offer if your client can say without risk that the mortgage loan has already been approved and the own contribution to the purchase price is already waiting in his bank account. In such a situation we can help with a formal pre-approval from the mortgage loan provider. This will provide you and your client with certainty in advance and everything in black and white. This is also a good reason to ask for our assistance in an earlier stage;
• You may recognise the following sequence of events. You and/or your client have a meeting with a senior banker or an advisor making an expert impression. However, as soon as your client has paid or signed something, several tasks and contacts are delegated to staff members who are less educated, have insufficient experience and speak incomprehensible English. If your client requests a free and non-obligatory consultation with a senior advisor, your client is guaranteed to have the same contact person for the entire process, who will also personally handle all contacts with the banks regarding the file;
• It is well known banks charge a closing commission on mortgage loans, which is significantly lower than the commission to be paid to the real estate agency. However, this small percentage, usually below 100 bips, is often paid to us in full, because we bring a lot of business to the bank and because we only submit perfectly prepared and complete files. The latter obviously saves the bank a lot of time, which also helps to process loan applications coming through us with priority. Although the amount we receive from the bank is not very high it will be our pleasure to pay you your fair share of 30% of that fee for each client you refer to us. A nice additional income stream for your agency;

HypotheekadviseurSpanje

HypotheekadviseurSpanje

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