WHY MORTGAGE DIRECT ?
Initial Advice with No Obligation
There is no initial charge for an enquiry or Mortgage Proposal. Most enquiries will lead to a Mortgage Proposal, which is a professional document outlining a potential mortgage. If you decide not to proceed after receipt of this document, there is still no fee to pay.
Money Back Guarantee
If you decide to proceed with your application following receipt of a Mortgage Proposal, we will ask you to pay an Administration Fee. However, if for any reason we are unable to find you a suitable mortgage product, we guarantee to refund this fee, which will give you additional peace of mind. We are not aware of any other companies operating this policy.
Professionally Qualified Advisers
All mortgage advisers that issue Mortgage Proposals will have passed the Mortgage Advice Qualification (MAQ), which is a compulsory examination for UK-based mortgage advisers to act on behalf of clients. Although not necessary in Spain, we take pride in ensuring we offer professional advice.
Fast & Efficient Service
A fully qualified adviser will contact you within 24 hours of your initial enquiry and any Mortgage Proposal will be provided shortly thereafter. All information you provide us with will be treated as strictly private and confidential. You will be able to contact your adviser at any time for a discussion.
Fully Independent Advice
We can offer you products from all the leading banks in Spain and will endeavour to find the right mortgage for you from the most suitable bank. We have special terms arranged with these banks, allowing us to secure better mortgage borrowing than if you went along on your own. The conditions offered by Spanish banks are usually more competitive than those offered by UK banks providing Spanish mortgages.
Competitive Charges
Our fees are very competitive and we also provide a ³Money Back Guarantee², as explained above. Most mortgage brokers will charge you a fee, which in some ways reduces the saving they obtain for you - charging a fee is a good indication that they are genuine. Those who do not charge a fee earn their income only on the commission the lender pays them and, as such, may be swayed towards the lender who offers the best commission rather than finding the best mortgage available on the market.
Face-to-Face Advice
We are based in the Spanish city of Valencia and should you wish to meet with us face-to-face, we are more than happy for you to visit our offices. There is no fee associated with this, or obligation to do so.
The Mortgage Code
This is a code for mortgage advisers based in the UK. Although we cannot subscribe to this code under Spanish regulation, we still follow the principles of The Mortgage Code, as we believe in conducting business in a professional manner and being accountable for our work.
S.L. Registered
This is best compared to a limited company in the UK. Most banks will only deal with companies that are S.L. registered, meaning we can offer products from all Spanish banks.
Legal Services
Although not compulsory, we strongly advise you use a Lawyer when buying a property in Spain to protect you against some of the pitfalls of buying property overseas. If you do not have your own Lawyer, we can highly recommend one who is based here in Valencia and their fees are very competitive.
Foreign Exchange
If your mortgage is arranged with us, we can help you set up a Standing Order from your UK bank account to pay your monthly mortgage payments in Spain. We have a relationship with one of the UK´s leading foreign currency exchange companies. There will be no set-up fees, transfer fees, commission or receiving fees to pay.
Independent Financial Advice
Whilst arranging finance for your property, we can also help you review your personal or business finances. This may include tax planning, investments, pensions, critical illness or life cover for example.
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