SPANISH MORTGAGE SUPPORT FOR UK BUYERS
Arrange your Spanish mortgage with support from UK and Spain-qualified advisers
Buying a property in Spain from the UK can mean dealing with unfamiliar lending criteria, paperwork and different mortgage options.
EMAC – The Spanish Mortgage Centre – helps non-resident buyers arrange Spanish mortgages for second homes, holiday properties and investment purchases.
Talk through your plans
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How EMAC can help with your property purchase in Spain
Financing a property in Spain is not necessarily the same as arranging a mortgage in the UK. Lenders can apply different criteria to non-resident buyers, so understanding your possible mortgage route can be useful before committing to a purchase.
EMAC has a dedicated mortgage service for UK residents buying in Spain. The company says it searches suitable lenders nationwide to identify mortgage options based on the buyer’s circumstances.
Its service also connects the finance process with the wider purchase. EMAC says it communicates with agents and vendors and can assist with related requirements including valuations, insurance and NIE arrangements.
Why choose EMAC?
Practical mortgage support built around buyers financing property in Spain from overseas.
A UK buyer mortgage route
EMAC has mortgage products specifically aimed at UK residents purchasing property in Spain, including second homes, holiday properties and investments.
Suitable lenders searched
Rather than presenting a single mortgage product, EMAC says it searches suitable lenders nationwide for finance that fits the buyer’s circumstances.
English and Spanish support
EMAC in-house English- and Spanish-speaking mortgage advisers hold Spanish ACI and UK CII mortgage qualifications.
Coverage across Spain
The mortgage service covers property purchases in mainland Spain, the Balearic Islands and the Canary Islands.
Mortgage support for different Spanish property plans
EMAC’s services cover the main finance stages a UK buyer may encounter when purchasing property in Spain.
01
Non-resident mortgages for UK buyers
EMAC provides a dedicated Spanish non-resident mortgage service for people living in the UK. The service is relevant whether you are buying a holiday home, second residence or investment property.
Your available mortgage terms will depend on the lender, property and your personal financial position, so the first step is to establish which options may be relevant to you.
EMAC searches suitable lenders nationwide to identify mortgage or loan options based on the customer’s circumstances.
The company also says it communicates with the property agent and vendor, helping keep the finance process connected with the progress of the purchase.
02
Lender search and mortgage progression
03
Valuation and insurance support
A lender will normally need an appropriate property valuation before completing a Spanish mortgage. EMAC provides information and assistance around arranging valuations for properties in Spain.
The company also works with a number of insurance providers and can assist with buildings and contents cover connected with owning and financing property in Spain.
If your plans involve buying land and building rather than purchasing a completed property, EMAC also advertises Spanish construction mortgage options.
These are designed for own-build projects, with finance typically released in stages as construction progresses. Eligibility and lending conditions will depend on the individual project.
04
Own-build and construction mortgages
How EMAC supports your purchase
Mortgage support can begin while you are budgeting and continue as your property purchase moves forward.
1. Discuss your plans
Explain what you plan to buy, where you are looking and how you intend to fund the purchase.
2. Review mortgage routes
EMAC can look at relevant Spanish mortgage options for your circumstances.
3. Search suitable lenders
The broker searches suitable lenders nationwide rather than limiting the enquiry to one bank.
4. Progress the mortgage
EMAC liaises with the agent and vendor while progressing the finance alongside the property purchase.
5. Coordinate related steps
Where required, its wider services include valuations, insurance, NIE arrangements and coordination with other parties.
Not sure what mortgage route may suit your plans?
Tell EMAC what you are hoping to buy and where you are in your Spanish property search.
Mortgage credentials and customer feedback
Professional information published by EMAC
- In-house English- and Spanish-speaking mortgage advisers.
- Spanish ACI and UK CII mortgage qualifications stated on its website.
- EMAC is registered with the Bank of Spain as a real-estate credit intermediary.
- Registration number stated by EMAC: D395 under Spanish Law 5/2019.
- Office listed in Torrevieja, Alicante.
“We couldn’t have bought our dream home in Mar Menor without them.”
Neal Cooper, Stroud — testimonial published by The Spanish Mortgage Centre
“EMAC really put our minds at ease.”
Jenna Spence, Airdrie — testimonial published by The Spanish Mortgage Centre
Jenna’s full testimonial on EMAC’s website says the company helped make the Spanish buying process easier after she was referred by a friend.
Plan the finance for your Spanish property purchase
Understanding your mortgage options earlier can help you set your property budget and prepare for the financial steps ahead.
Send an enquiry through Your Overseas Home to discuss your plans with EMAC.
Mortgage availability, rates, loan-to-value limits and lending criteria vary by lender and individual circumstances and may change. Information on this page is general and should not be treated as personalised financial advice.