Fixed vs. Variable Rate Mortgages - What do client in Spain prefer?
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Strategic Mortgage for Capital Efficiency
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    How It Affects Your Mortgage
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    How to maximise your chances of approval
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    What are the alternatives available for those who still wish to establish residency in Spain.
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    What happened to house prices in Spain in 2024 and what can we expect in…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    What does It mean to Re-Mortgage a property? A Guide for Homeowners
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Fiscal Changes for Non-Resident Foreigners: Impact on Buying Property in Spain
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Forecasts suggest that the Euribor could continue its downward trend in 2025
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Inflation is now at 1.7%, its lowest level since April 2021 and below the 2%…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    After a first reduction in June followed by a pause in July, the base rate…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Mortgage interest rates have started to fall, which is good news for borrowers
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    In Spain, it's common for people to pay off their mortgage but to then forget…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    In this article, we have outlined how the mortgage process works when building your own…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Download you Spanish Tax Guide 2024
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Understanding the Non-Debtor Mortgagee: A Safe Way to Guarantee Debts
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Property prices in Spain has been a topic of great interest for many years.
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    In the eurozone, inflation has cooled further to 2.4%, its lowest reading since July 2021.
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Madrid mortgage news
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    What is the Euribor? It plays a pivotal role in determining the interest rates offered…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    If I get divorced can I change the mortgage to my name only?
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    A chance to change your financial future forever! People are aware of the Beckham Law…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    A chance to change your financial future forever! People are aware of the Beckham Law…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    House prices in Spain. Sociedad de Tasacion Residential Real Estate Trends Report – New Homes…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Reducing Spanish tax - Financial markets can be volatile. We also acknowledge that inflation has…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    How to reduce Wealth Tax in Spain. I have been working with clients who are…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Financial Top Tips in Spain. Are you moving to Spain? Need to know about the…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Download the guide to understand the money part of moving to Spain. Residency rules, local…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Spanish ownership scheme for young people. Spanish government to be guarantor on mortgages for young…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    This week we’ve decided to continue our discovery of Spain and take you to the…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Download the guide to understand the Spanish tax residency rules and local taxes on income,…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Focus on the Balearic Islands. Your mortgage solutions we can offer for your property in…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Interest rates in Spain are still rising, but solutions to ensure our clients obtain a…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    As interest rates are rising in Spain, we have compiled a list of solutions to…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Are you looking to buy a property that needs complete refurbishment and are you looking…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    At Spectrum Mortgages in Spain we deal with a large number of yacht crew mortgages…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    After roughly 2 years delay, the new mortgage law has been approved and should come…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    The European Court of Justice has been asked to make a decision on the IRPH…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Clients will no longer be paying the mortgage tax in Spain - AJD when the…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    At Spectrum International Mortgages, we always have clients asking us questions. Recently the subject of…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    The Mortgage Process in Spain. Seven pieces of advice that we hope can be of…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    The past year, according to real estate professionals, was a record breaker. In terms of…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Everyone is focused on the mortgage interest rates Spectrum have access to and the monthly…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    The second biggest Catalan bank, Banc Sabadell and CaixaBank, have already moved their headquarters out…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    The matter of holiday homes on the islands has always been a controversial one. This…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    At Spectrum Mortgages in Spain, we experience an increasing amount of enquiries regarding building a…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    After a really interesting period in Spain in terms of fixed rate, long term mortgages,…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    The Spanish Supreme Court Judgement 705/2015 of 23rd December, declares the clause in which the…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    At the moment, interest rates are historically low and the fixed rate mortgages available are…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    AJD Tax: What is it and how does it work? In Spain, the process of…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    The Best Money Transfer Provider of the Year was awarded to our partner Currencies Direct…
                    
                                            
                                    
                        
                    
                    
                                            
                    
                    Have you got an abusive mortgage? Find out in this article… Lately there has been…