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Alta Villas

Mortgage Direct

Welcome to our September newsletter. We hope you all had an enjoyable summer and are looking forward to the months ahead. Whilst July was, as expected, a quieter month for us in terms of new mortgage enquiries, surprisingly we had a record month for August, seeing a 45% increase in enquiries compared to the previous month.

We are pleased to confirm that our team has expanded further and we welcome Simon Staples, a fully qualified CeMap mortgage adviser who has moved from the UK to Spain. You’ll see more about Simon in our next Meet the Team newsletter.

Between Tuesday 25th and Friday 28th of September, we will be in the Marbella area meeting new and existing collaborators. Please feel free to get in contact with Katherine to schedule an appointment.

Mortgage Pre-approvals

One point our mortgage advisers would like to stress is the importance of getting clients to start the mortgage process early, ideally before coming to Spain. Many clients don’t understand the buying process and that when their offer is accepted on a property, they may be required to pay a 10% non-refundable deposit within a short period of time. This can often put unnecessary stress on the bank, solicitor, mortgage adviser and client when a mortgage is involved.

It is advisable to get the mortgage pre-approved as soon as possible. This is also an attractive bargaining tool for the client as the vendor is much more likely to offer better buying conditions and possibly a better price if a buyer comes with a mortgage approval or pre-approval well underway. It can also make for a speedier sale which can only be a good thing for everyone.

Mortgage enquiries

For any mortgage-related enquiries, please don’t hesitate to get in contact
with Katherine by calling her on +34 695 706 749

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