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Finance your property purchase Catalonia south - Barcelona, Girona, Tarragona. (For Languedoc Roussillon see below).

Confidence is returning to the Catalonia housing market and this is manifesting itself in the increase of mortgage products that are now available. We can assist with up to 100% finance - terms and conditions do apply. Contact lbr@landbankint.com

If you need a mortgage to purchase in Spain.

Always ensure that your contract to purchase states that you are dependent upon a mortgage to complete the purchase otherwise you may lose your deposit, if because of tardiness by the lending company you are unable to fulfil the contractual obligations.

The documents typically required by a lender to substantiate a request for finance are:

• Your DNI/NIE

• Your work contract

• Your last 3 salary receipts

• Your latest income tax return

• Your contract with the vendor

• Proof that the property tax (IBI) on the house is paid up.

• Details of any other mortgages or loans that you may have

• Copies of property deeds, both in Spain and overseas

• Details of your employment history

• Details of your assets both in Spain and overseas

• Spanish non-residents: A certificate of non-residency (form available from the bank)

• Spanish residents -if self-employed (autonomous): Local tax paid on economic activities (IAE)

• Spanish residents -if self-employed (autonomous): IVA (VAT) tax you paid for the last tax quarter and the last year

• If married any prenuptial agreements.

If you are granted a mortgage you will be required to pay for the services of an appraiser –‘tasador’- usually between 300-500 euro. The appraiser will certify, as a licensed architect that the property is fit for purpose, so even if you don’t need a mortgage, but have doubts about structure of the property,

you might wish to secure the services of a tasador.

100% finance* is available in French Catalonia to purchase your ideal home.

The French real estate market is still considered to be a healthy market within the confines of the current world economic crisis. The suitability of loans to clients actual requirements and the availability of such finance with offers produced accurately and speedily are what makes our products amongst the most favourable available.

France remains the first choice of country for a lifestyle relocation, with its excellent health, education and quality of life. Most investors are buying into the lifestyle, culture, gastronomy and undeniably wonderful landscapes, which has in many geographical locations in the World, long since been forgotten.

100% *finance available against a professional property valuation for the following:

Buy to Let
Prime residence
Second home

High speed bridging available to purchase your french property before you have sold your previous residence, please enquire.

Terms and conditions apply

For more information www.landbankmortgages.com