spanish mortgages, getting a spanish mortgage, spanish mortgage companies

It is not difficult to get a mortgage for conventional properties in Spain . However, because cave houses are not known to many mortgage companies it has proved a little difficult in the past to find companies willing to provide a mortgage for a cave home.

The essential difficulty with finding a mortgage for a cave house (this also applies to any other type of property) is that before any mortgage company will even consider lending they will want to be certain that the property has been registered in the Land Registry (Registro de La Propiedad ) for a minimum period of two years. Many rural properties, particularly cave houses were never registered in the Land registry and so mortgages for these are not available.

If the property is suitably registered, then mortgages are available. The Caja Rural bank will provide mortgages to clients who have proof of income etc.

The Scott Jarret Bowden Partnership are willing to consider mortgages of up to 70% for cave houses providing they have mains services and a road leading to them, plus, of course, all the proper ownership documentation. With three UK offices in London , Northampton and Croydon and their Spanish head office in Marbella they are ideally placed to resolve your Spanish Mortgage questions. Contact them by clicking on this link www.sjbbrokers.com , or call 0800 0320859 in the UK or 0034 952 493864 in Spain .

www.vivacosta.com have, in the past, arranged mortgages for cave homes. The ease with which you can get your mortgage depends on your personal circumstances, particularly your earnings record.

A list of organisations that may be able to help are: