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Spain

The Balearic Islands and main land cities in Spain are top-rated places to visit in Western Europe and has attracted a lot of interest from property investors.

Fortier has identified an upward trend of UHNW clients purchasing high value properties in Majorca and Ibiza.

This trend has attracted a lot of interest from domestic banks and private banks who are becoming more willing to lend to non residents.

Purchase Finance – Non Resident

RETAIL BANK

Capital Repayment 70% LTV (dry)
Up to 30 year mortgage term

PRIVATE BANK

100% LTV
Interest only – 60%
Partial repayment – 10%
30% of assets under management

Refinance & Equity Release – Non Resident

RETAIL BANK

Capital Repayment equity release up to 60% LTV (dry)

PRIVATE BANK

Interest only and capital repayment solutions available up to 60% LTV.
The lender will want assets under management and potentially a hard interest reserve for the duration of the loan facility

Bridging & Development

Navigating around domestic and international lenders for property professionals can be a time consuming and potentially costly mistake.

Fortier has an extensive network of lenders and experience to provide the best possible solutions.

Every application is case by case.

Rates can vary from 5% to 12% per annum.

Application fees vary from 1% to 2% of the loan amount

Spanish lending locations include the Balearic Islands, Barcelona, Marbella, Malaga and Madrid

International lenders might require a second charge on another UK/European asset.

Get In Touch With An Advisor

[email protected]

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Mortgage Advice: Before you approach trusted lenders, we will carry out a full review to establish your needs and preferences. The choice of interest rate and product terms will depend on your individual circumstances. If you meet the lenders criteria, we will make a recommendation to you. We do charge a fee for mortgage advice. All mortgages are subject to status. You must be 18 or over. Your home may be repossessed if you do not keep up with mortgage payments.

Get In Touch With An Advisor

[email protected]
Instagram Facebook-f Youtube

Important Links

Career

Legal Notice

Privacy Policy

Mortgage Glossary

Mortgage Calculator

Disclaimer

Mortgage Advice: Before you approach trusted lenders, we will carry out a full review to establish your needs and preferences. The choice of interest rate and product terms will depend on your individual circumstances. If you meet the lenders criteria, we will make a recommendation to you. We do charge a fee for mortgage advice. All mortgages are subject to status. You must be 18 or over. Your home may be repossessed if you do not keep up with mortgage payments.
Fortier Finance SAS is registered in France and company number is 841648975. Fortier Finance SAS is authorised and regulated by the French Financial Conduct Authority (ORIAS Registration 21001422). Copyright © Fortier Finance | All Rights Reserved
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