Personalised mortgage guidance
International clients
Resident and non-resident foreigners
Non-resident Spanish expats
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:
Express NIE application
Any foreigners who want to purchase property in Spain must apply for their NIE (Foreigner Identity Number) from an authorised body of the Ministry of Interior.
Search for financing
Non-resident investors can finance up to 70% of the purchase price. Our mortgage experts will get you the best conditions on the market for your mortgage.
Pre-assessments
To know the value of the property and properly plan the mortgage.
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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