Spanish citizens living abroad can get 80% of the property financed by a lender, leaving the deposit requirement of 20% of the purchase price. In some cases, this...
The "Número de Identidad de Extranjero" (NIE) is an all-purpose ID and tax number in Spain, required to buy property and get a mortgage in Spain. When living abroad,...
Upon registering on the Homevest platform and uploading your documents, Homevest will provide you with a personalized mortgage simulation within 24 hours. After...
Most Portuguese lenders are open to accepting almost all types of foreign income. The notable exception is for applicants residing in and earning income from...
Millennium BCP, Banco Santander Totta, UCI, Novo Banco, BPI, and Crédito Agrícola are some Portuguese banks that provide mortgages for individuals with foreign...
US citizens can obtain mortgages in Spain without residency. However, the requirements and conditions may vary depending on the lender and individual...
Homevest is a free service designed to ensure you secure the best market price for your mortgage. There are no hidden fees or charges for processing and submitting...
Petru Dimulescu and Erik Edin founded Homevest in 2021 to simplify the complex process of buying cross borders properties. Homevest Limited is registered in the...
If you are planning to get a mortgage in Spain, the currency that you earn you income in is an important factor for the banks. If you earn your income in EUR, you have...
When buying a property and getting a mortgage in Spain, you’ll need to provide the following documents: • Copy of Spanish National Identity card or Passport • NIE...
The costs of buying a property in Spain depend on several factors, such as the location or whether you are buying a new property from a developer or a resale property...
Homevest is a digital mortgage broker that simplifies the process of obtaining mortgages for non-residents interested in buying property abroad. We offer flexible...
We prioritize the security of your data by storing it on our servers, which are located in the EU. All traffic is encrypted, and you can delete your documents and...
Homevest is not a bank or a lender. Homevest is a digital platform for cross-border mortgages, making it easy and convenient to apply for and receive mortgage offers...
No, a mortgage review is not affecting your credit score.
You can upload your documents on our platform to prepare and manage better your credit file. We take care of the security of your data and use these documents only to...
Homevest Legal, with its team of property lawyers, ensures that your property purchase proceeds as planned. For services like legal due diligence, obtaining an NIE...
Contrato de arras is a reservation agreement between the buyer and seller of a property where key terms of the purchase are agreed upon. In combination with the arras...
We are committed to supporting our clients in obtaining the best possible mortgage, and we have partnered with real estate agents to help you find properties more...
Nota Simple is an essential property report for anyone considering purchasing a property in Spain. It provides an officially verified description of the property and...
As with any mortgage application, you must fulfill certain criteria specified by the lender to be eligible for a mortgage in Spain. Here are some key factors to...
When purchasing a resale property in Spain, the main tax is the transfer tax, known as Impuesto de Transmisiones Patrimoniales or ITP. The amount payable depends on...
Those with an employment contract in the UK require the P60 tax form. Similarly, in Italy, you will need the Certificazione Unica, while in France, it's the Avis...
EU citizens can obtain mortgages in Spain even without residency. However, mortgage eligibility criteria vary among lenders and depend on individual circumstances....
When buying a new-build property in Spain, two taxes apply: VAT (IVA) at 10% of the purchase price and stamp duty (AJD) ranging from 0.5% to 2%. Stamp duty varies by...
Sabadell, Cajasur, Unicaja, Bankinter, BBVA, Santander, Caixa, and UCI are some Spanish banks that provide mortgages for individuals with foreign income. Discover the...
Lenders typically require a minimum net monthly income of 1500 EUR for non-resident mortgage applications in Spain.
The eligibility requirements for a mortgage in Spain can differ among lenders, especially for non-residents. Key factors considered include: • income stability •...
The approval process for non-resident Spanish mortgages usually takes approximately four to six weeks after selecting your desired property. With careful planning and...
Homevest Plus is a premium service featuring a dedicated mortgage broker assigned to you, available via email, phone, video calls, or WhatsApp. You'll receive priority...
Homevest is free when you use the self-service platform to receive mortgage offers from top Spanish banks. If you require assistance and prefer a dedicated mortgage...