Delia Mihuț

@delia-mihut
Linkedin
Delia is responsible for growing Homevest’s organic visibility. She creates content to explain cross-border mortgages as simply and understandably as possible. Before Homevest, she wrote and optimized articles for Wise, targeting the Romanian market.

Articles by Delia Mihuț

Non-residents can get a mortgage in Portugal up to 80% of the purchase price

Non-resident mortgage options in Portugal: insights from Reorganiza

We spoke with Reorganiza about mortgage options for non-residents in Portugal and how foreigners can simplify their home-buying journey. This discussion follows the partnership between Homevest and Reorganiza, two companies collaborating to make the Portuguese mortgage process for international buyers easier.

Delia Mihuț
By Delia Mihuț
24/04/12 08:24
2'
0
Millennium BCP, PBI, and UCI offer mortgages for non-residents

Mortgage in Portugal for EU citizens: what are your options in 2024?

Non-resident borrowers with a good credit score and a reliable source of income can usually get a mortgage in Portugal easily. Discover all you need to know about securing a mortgage in Portugal as an EU citizen, including the key conditions and options available in 2024.

Delia Mihuț
By Delia Mihuț
24/04/09 11:45
4'
0
Banks like CGD, UCI, and Santander offer a range of mortgages based on GBP income

Mortgage in Portugal from the UK: your complete guide

UK borrowers with a good credit score can usually get a mortgage in Portugal easily. The process is similar to the UK, with no special restrictions for UK residents. Learn what you need to know about applying, including important steps and any changes after Brexit.

Delia Mihuț
By Delia Mihuț
24/04/08 09:22
7'
0
Ibiza is a blend of adventure and relaxation

Ibiza guide: top things to do and see

After reading this guide, you'll have many ideas for your escape to Ibiza. This island is a hotspot for experiencing the world-famous party scene or snorkeling in its crystal-clear waters. With so much to see and do, fitting everything into one trip might be challenging. Why not consider making it your Spanish getaway?

Delia Mihuț
By Delia Mihuț
24/03/28 07:57
4'
0
Malaga is an experience that reveals the Spanish way of life

Malaga guide: top things to see and do

After exploring this guide, you'll have many ideas for your Malaga trip. This vibrant city of the Costa del Sol is a hotspot for experiencing Andalusian culture. There's a lot to see and do, and you might not have time for everything! So why not come back to your place of your own?

Delia Mihuț
By Delia Mihuț
24/03/22 11:07
4'
0
For non tax residents, the cash payment limit is set at €10,000

Buying property in Spain with cash: requirements and alternatives

Could there be a better way to use your cash and get more from your investment in Spain? A mortgage, for instance, frees up your capital for other investments and offers potential tax benefits from interest deductions. Read on for more details.

Delia Mihuț
By Delia Mihuț
24/03/18 13:39
5'
0
A mortgage broker can simplify your experience when buying in Spain from abroad

How to choose your mortgage broker for financing in Spain

When choosing a mortgage broker in Spain, consider their experience, reputation, lender network, customer service, fees, and seek recommendations and online reviews. Read a handy guide to help you choose your mortgage broker in Spain when you are a non-resident buying from abroad.

Delia Mihuț
By Delia Mihuț
24/02/22 08:23
3'
0
A Spanish mortgage calculator helps you estimate the monthly payments for your mortgage

What are the best Spanish mortgage calculators for non-residents?

Choosing the best Spanish mortgage calculator depends on your specific needs. While some banks offer calculators limited to their products, this guide has compared 8 Spanish calculators to help you understand their features and customization options.

Delia Mihuț
By Delia Mihuț
24/02/16 09:23
7'
0
Homevest allows you to easily request and compare mortgage offers from leading banks

Fixed-rate vs. variable rate mortgages in Spain: the full comparison for non-residents

In the last quarter of 2023, mortgage rates went up, with small tweaks in fixed rates and increases in variable rates as the year ended. Continue reading our comparison of fixed-rate vs. variable rate mortgages in Spain, including their pros, cons, and opportunities compared.

Delia Mihuț
By Delia Mihuț
24/01/29 09:09
4'
0
In December 2023, mixed-rate mortgages became more affordable, dropping to 4.26%

Mixed mortgages in Spain for non-residents: a good option?

Before making a decision, it is recommended that you compare different options and explore the available alternatives. Negotiation is a common practice in Spain, and the great news is that you don't have to handle it alone.

Delia Mihuț
By Delia Mihuț
24/01/24 11:32
3'
0
Buying a property at auction doesn't impact the credit approval process with Spanish banks

Spanish property auctions: a good option for non-residents?

As a non-resident, you can obtain a mortgage in Spain to buy a property at an auction. To do so, you'll need to meet the standard requirements for non-residents and provide all the necessary documents for your mortgage application.

Delia Mihuț
By Delia Mihuț
24/01/23 10:14
3'
0
The average fixed-rate mortgage in Spain is 3.51%

5 best Spanish fixed-rate mortgages for non-residents

A fixed-rate mortgage offers financial safety and predictability, as the interest rate and monthly payments remain unchanged throughout the loan term. However, this also means you will not benefit from potential decreases in interest rates. Continue reading to understand your options.

Delia Mihuț
By Delia Mihuț
24/01/12 13:55
3'
0
A variable mortgage often starts with an interest rate lower than that of fixed-rate mortgages

Best variable mortgage options in Spain for non-residents

Variable rates offer more flexibility and typically have lower prepayment penalties compared to fixed-rate mortgages. Read our guide on the best variable mortgage rate options in Spain, including information on fees, interest rates, and more.

Delia Mihuț
By Delia Mihuț
24/01/10 08:22
3'
0
Consider using a mortgage broker as an alternative to negotiating mortgage rates

Can you negotiate your mortgage rates in Spain when applying from abroad?

Negotiation involves more than just the interest rate. It also includes the overall terms of the mortgage, such as the repayment period, associated fees, and any penalties.

Delia Mihuț
By Delia Mihuț
24/01/03 15:27
3'
0
Compare Spanish mortgage offers while in Ireland

Buying property in Spain from Ireland. Key considerations

If you're considering a house in Costa del Sol, Cajasur could be your top choice. For properties under €100,000, Santander offers a viable option, while CaixaBank stands out for competitive fixed interest rates. Explore the Spanish property market from Ireland and discover insights about locations and mortgage deals for Irish buyers.

Delia Mihuț
By Delia Mihuț
23/12/11 09:46
4'
0
More than 20,000 Irish citizens currently live in Spain

Mortgage in Spain from Ireland: what you need to know

Irish buyers have many opportunities to obtain financing from Spanish banks, provided they earn their income in Euros. Discover the key requirements for obtaining a mortgage in Spain as an Irish citizen, and learn which banks to consider. Read on for detailed insights.

Delia Mihuț
By Delia Mihuț
23/11/29 09:43
7'
0
Spain's average mortgage rate of 5.5% is lower than Canada's

Mortgage in Spain as a Canadian citizen. What are your options?

Using a mortgage broker may lead to favorable deals, given their access to multiple lenders and a broader range of loan products than a single bank. Learn key requirements when applying for a mortgage in Spain as a Canadian citizen. Explore how Homevest helps compare international mortgage offers.

Delia Mihuț
By Delia Mihuț
23/11/24 08:57
7'
0
Remote notarisation is now possible in Spain

Europe's cross border mortgage market: trends, predictions, and success factors

Mortgages for non-residents are a key focus for banks in Spain, Portugal, Romania, and Greece. Discover the latest trends and insights in Europe's cross-border mortgage market in the Homevest report, a step towards Homevest's goal of borderless mortgages.

Delia Mihuț
By Delia Mihuț
23/11/21 15:58
2'
0
The average interest rate in Spain for non-residents was 4.27% in April

Mortgage in Spain vs. Portugal: which is better?

Portugal has fewer banks offering loans to non-residents, while Spain offers a broader range of loan products, including those for buying and renovating homes for non-residents. Continue reading to understand which place offers the best deal for the home you've always wanted.

Delia Mihuț
By Delia Mihuț
23/11/21 14:01
7'
0
Radu invested in Brașov’s property market

Investing back home from abroad: Radu’s double success story with Homevest

Read Radu's success story with Homevest as he invests in Romanian property from abroad. Discover how Homevest helped him secure a mortgage and achieve his goals.

Delia Mihuț
By Delia Mihuț
23/11/07 07:23
3'
0
Securing a mortgage for a Spanish property from a UK bank can be challenging due to limited options

Which UK banks offer mortgages in Spain?

Do banks in the UK provide mortgages for properties in Spain? What other alternatives exist besides UK banks? Read on to understand the available options.

Delia Mihuț
By Delia Mihuț
23/11/03 07:40
4'
0
Getting a mortgage can help you make more money over time and diversify your investments to lower risks

Expert legal insights for German buyers in Spain. Here's what you need to know

Explore our interview with Carlos Vazquez and Diana Diaz, lawyers and legal experts from Hoteland, as they delve into the main challenges and solutions Germans face when buying property in Spain. From understanding the local legal frameworks to navigating financial requirements, gain valuable advice to ensure a smooth Spanish property purchasing experience.

Delia Mihuț
By Delia Mihuț
23/11/02 14:02
7'
0
Demonstrating your financial stability is required when renting or buying a property in Spain

Renting vs buying a property in Spain: mortgage considerations

The advantage of taking out a mortgage to purchase a property is that you are leveraging the bank's money to finance your acquisition. At first glance, the mortgage application process may seem daunting, especially for non-residents. Fortunately, Homevest provides a solution that can simplify the process for you. Continue reading for more details.

Delia Mihuț
By Delia Mihuț
23/10/30 08:49
6'
1
Homevest is a solution that helps you access the most competitive offers in Spain without fees

HSBC vs. Sabadell mortgages: which is better for a property in Spain?

Are you interested in exploring the benefits of each mortgage to determine which is best suited for your needs? Continue reading for a comparative analysis of mortgages from HSBC vs. Sabadell.

Delia Mihuț
By Delia Mihuț
23/10/26 11:47
3'
0
Property prices are more affordable in Spain than in the UK

Retiring to Spain from the UK: your complete guide

Retiring to another country can be challenging, but it can also be the most beautiful thing you can give yourself, especially if it involves a beach, sunshine, good food, and a slow-paced life. Continue reading to learn everything about retiring in Spain before making an informed decision.

Delia Mihuț
By Delia Mihuț
23/10/25 10:05
7'
0

A platform for mortgages

Homevest is a pan-European mortgage and homebuying platform. We strive to bring the mortgages in the 21st century.

Find out more

Where will you buy?

🇪🇸 Spain
🇵🇹 Portugal
🇷🇴 Romania
Our website uses ONLY essential cookies that are necessary for the website to function. Learn more about our privacy policy and about what are cookies from here.bai
I acknowledge