ECB’s Latest Interest Rate Cut
How It Affects Your Mortgage
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Are you moving to Spain?
Need to know more about the financial side of living in Spain?
SPANISH MORTGAGES FOR NON-RESIDENTS
How to maximise your chances of approval
End of the Golden Visa in Spain
What are the alternatives available for those who still wish to establish residency in Spain.
House prices 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?
What does It mean to Re-Mortgage a property? A Guide for Homeowners
Non-Resident Buying Property in Spain
Fiscal Changes for Non-Resident Foreigners: Impact on Buying Property in Spain
The EURIBOR in 2024
Forecasts suggest that the Euribor could continue its downward trend in 2025
ECB Initiates Consecutive Rate Cuts for First Time Since Euro Crisis
Inflation is now at 1.7%, its lowest level since April 2021 and below the 2%…
European Central Bank Cuts Interest Rates as Inflation Slows
After a first reduction in June followed by a pause in July, the base rate…
Mortgage interest rate in Spain
Mortgage interest rates have started to fall, which is good news for borrowers
Have you paid off your Spanish mortgage?
In Spain, it's common for people to pay off their mortgage but to then forget…
Mortgages in Spain – Building your own home
In this article, we have outlined how the mortgage process works when building your own…
Spanish Tax Guide 2024
Download you Spanish Tax Guide 2024
The non-debtor mortgagee
Understanding the Non-Debtor Mortgagee: A Safe Way to Guarantee Debts
Property prices in Spain
Property prices in Spain has been a topic of great interest for many years.
Interest rates 2023 and forecast for 2024
In the eurozone, inflation has cooled further to 2.4%, its lowest reading since July 2021.
Madrid: Mortgage availability up to 95% of property value
Madrid mortgage news
Interest rates – September 2023
What is the Euribor? It plays a pivotal role in determining the interest rates offered…
Mortgages & Divorce
If I get divorced can I change the mortgage to my name only?
Balearic Islands’ Property Transfer Tax
A chance to change your financial future forever! People are aware of the Beckham Law…
The Beckham Law – Spain
A chance to change your financial future forever! People are aware of the Beckham Law…
House prices in Spain
House prices in Spain. Sociedad de Tasacion Residential Real Estate Trends Report – New Homes…
Reducing Spanish tax
Reducing Spanish tax - Financial markets can be volatile. We also acknowledge that inflation has…
How to reduce Wealth Tax in Spain
How to reduce Wealth Tax in Spain. I have been working with clients who are…
Financial Top Tips in Spain
Financial Top Tips in Spain. Are you moving to Spain? Need to know about the…
Your Guide for Moving to Spain
Download the guide to understand the money part of moving to Spain. Residency rules, local…
Spanish ownership scheme for young people
Spanish ownership scheme for young people. Spanish government to be guarantor on mortgages for young…
Focus on Andalucia
This week we’ve decided to continue our discovery of Spain and take you to the…
Your Guide to Tax in Spain 2023
Download the guide to understand the Spanish tax residency rules and local taxes on income,…
Focus on the Balearic Islands
Focus on the Balearic Islands. Your mortgage solutions we can offer for your property in…
Update on interest rates in Spain – February 2023
Interest rates in Spain are still rising, but solutions to ensure our clients obtain a…
Spanish Mortgage interest rate rise
As interest rates are rising in Spain, we have compiled a list of solutions to…
Refurbishment Mortgage in Spain
Are you looking to buy a property that needs complete refurbishment and are you looking…
Yacht Crew Mortgages in Spain
At Spectrum Mortgages in Spain we deal with a large number of yacht crew mortgages…
The new mortgage law in Spain – 10 highlights
After roughly 2 years delay, the new mortgage law has been approved and should come…
The IRPH index: ECJ to make decision
The European Court of Justice has been asked to make a decision on the IRPH…
Spanish Banks to pay mortgage tax (AJD)
Clients will no longer be paying the mortgage tax in Spain - AJD when the…
Mortgages and inflation – the perfect combination?
At Spectrum International Mortgages, we always have clients asking us questions. Recently the subject of…
The mortgage process from a non-financial perspective
The Mortgage Process in Spain. Seven pieces of advice that we hope can be of…
Real Estate and Mortgages in Spain
The past year, according to real estate professionals, was a record breaker. In terms of…
Monthly payments and interest rates
Everyone is focused on the mortgage interest rates Spectrum have access to and the monthly…
Catalonia’s political uncertainty is prompting firms to relocate and leave the region
The second biggest Catalan bank, Banc Sabadell and CaixaBank, have already moved their headquarters out…
Balearic Islands’ Holiday Rental Law amendments
The matter of holiday homes on the islands has always been a controversial one. This…
Mortgages: Building your Home in Spain
At Spectrum Mortgages in Spain, we experience an increasing amount of enquiries regarding building a…
Rates on the rise in Spain
After a really interesting period in Spain in terms of fixed rate, long term mortgages,…
Spanish Supreme Court ruling declares mortgage expense clauses void due to abusive terms of contract
The Spanish Supreme Court Judgement 705/2015 of 23rd December, declares the clause in which the…
Caution needed when considering “mixed rate” mortgages – mortgages that start off a fixed rate and then switch to variable
At the moment, interest rates are historically low and the fixed rate mortgages available are…
Spanish AJD tax (Actos Juridicos Documentados)
AJD Tax: What is it and how does it work? In Spain, the process of…
Best Money Transfer Provider of the Year
The Best Money Transfer Provider of the Year was awarded to our partner Currencies Direct…
Have you got an abusive mortgage?
Have you got an abusive mortgage? Find out in this article… Lately there has been…