The Application Process

Following your initial enquiry, we will contact you to discuss your objectives and the options that may be available to you. If you then wish to proceed, we will approach the lender to discuss the possibilities and following this we will contact you to discuss the situation in more detail. If you still wish to proceed we will arrange for an application form to be sent to you.

Having completed the application form, you will need to supply copies of your personal information as detailed below. These can be forwarded by e-mail, fax, or can be posted. If you do not want to post copies to Spain, you can forward the documentation to the offices of Amberwealth Creation in Oxford, and they will forward the information to Spain for you.

Provided all the information is in order, the mortgage will be processed and a decision made. If everything meets the Lenders criteria a formal mortgage offer will be issued.

Once you have the binding offer, a completion date for the purchase / mortgage can be agreed. The Lender will arrange for a local representative to be at the Notary’s office to complete all of the paperwork.

Normally we would suggest you allow four to six weeks for the process to run it’s course, but we have been able to vastly reduce this in urgent cases.

It is always worth looking into the possibility of obtaining a mortgage before paying your deposit and commiting to the property purchase.

What documents will I have to provide?

Personal Information

Financial Information

Employees

Self Employed

Pensioners

In all cases

Information About The Property