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It makes sense for everybody to mortgage when purchasing a property in Spain. There are many benefits, including tax deductions and maintaining liquidity, amongst others. Financing in Spain can be very different to financing in other countries, and the Lionsgate Capital team will be happy to explain the advantages and the process in more detail when you contact us.

Our team will guide you through every step of the process

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The Lionsgate Capital team are the leading mortgage experts in Spain. The team understands that every client is different, and they do everything possible to ensure every client maximizes their savings by always obtaining the best possible mortgage or financial solution for their particular transaction.

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What should you know before mortgaging in Spain?

The number one benefits are the Wealth Tax and Inheritance Tax deductions. When a person buys a property in Spain for more than 700,000 euros, they must pay Wealth Tax. The Wealth Tax is on a scale and can be as high as 3.45% per annum on high-end properties. The other important tax benefit is the Inheritance Tax which is also high in Spain. When you have a mortgage, the amount is deducted, and tax is only payable on the difference.

If you are a Spanish tax resident, you can borrow up to 80% of the total value of the property, if you are a non-resident, you can borrow up to 70%.

The costs involved in a property purchase are usually the following:

  • Property appraisal
  • Transfer taxes or VAT
  • Stamp duty
  • Notary
  • Land registry
  • Bank arrangement fee
  • Home insurance
  • Legal fees
  • Other costs, such as brokerage commission

Obtaining a mortgage in Spain can be a tedious and lengthy process, especially when comparing several banks. The Lionsgate Capital take all this off your hands and from the meeting with a team member to completion at the notary we estimate a period of 8 to 10 weeks.

If you wish to make early repayments, you will have to pay an early repayment penalty. The law states that with a variable interest rate the early repayment penalty is a maximum of 0.25% for the first 3 years or 0.15% for the first 5 years and 0% thereafter. With a fixed interest rate, the early repayment penalty is a maximum of 2% for the first 10 years and 1.50% thereafter. These percentages are the maximum penalties the bank can charge and will only be applicable if the bank incurs a loss at the time of early repayment.

Lionsgate Capital is one contact for all banks. The team will obtain the best rates and conditions for you by selecting the banks that best suit your personal preferences and priorities. Our mortgage advisors are impartial and will always ensure the best mortgage is obtained to suit your needs. A small difference in the interest rate can make a big difference over the years. By choosing Lionsgate Capital, you will save time, effort and money and can optimize your property purchase in the smartest way.

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