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  • Fees only if there is a closing

  • Response within 48 hours

  • If you bring us a bank offer, we promise to improve it.

  • Personalised attention throughout the entire process

  • Over 3,000 mortgages signed nationwide

Financing

We offer customized financial solutions, from 100% mortgages to mortgage loans with very competitive conditions. We accompany you throughout the entire process, from the first consultation to the signing at the notary's office, always prioritizing your peace of mind and satisfaction before formalizing any transaction.

What do we do?

100% mortgages

We help hundreds of clients to fulfill their dream of owning their own home, offering competitive mortgages and financing of up to 100%, with reference entities and the best conditions in the market.

Second home

If you want to acquire a second home, either to enjoy it or to invest, we offer you tailor-made solutions, with similar conditions to the first home, better financing and longer terms than the market average.

Non-residents

More and more non-residents trust us to buy a property in Spain. We are specialists in mortgages for non-residents, we manage international documentation and obtain high financing rates. Discover all the information on TL Global Mortgage, our complete website for non-residents.

Self-promotion

If you already know what your dream home will be like, we have the mortgage that adapts to your project. Financing up to 100% and solutions for self-promotion of housing, make your dreams come true!


Officials

Special conditions for public employees: 100% financing, competitive rates, flexible terms and fast processing.

Mortgage improvement:

Do you already have a mortgage and you are not happy? Tell us your situation and we will find the best option to improve your conditions, save money and adapt it to your needs.

The following expense items must be taken into account for the purchase and sale:

Notary fees

This expense accrues at the time of the public deed of transfer of the property, and depending on the agreement between the parties, it will be divided in a certain proportion between buyers and sellers.

Administrative fees
When purchasing with a mortgage loan, an agency will be involved in the transaction to handle both the settlement of taxes and the subsequent registration of the transfer. This expense will be borne by the buyer.
Registration in the Land Registry
Subsequently, the transfer will be finalised with the registration in the corresponding Property Registry. This will entail the payment of a series of fees that will be borne by the purchasing party.
IVA
It is an indirect tax and will only be levied in the case of new construction and when it is the first transfer. The tax rate is 10%.
Property Transfer Tax
This is the tax paid on second or subsequent transfers, i.e. second-hand homes. Unlike VAT, it is a direct tax with several different rates: the general rate, the reduced rate and the super-reduced rate. The rate applied in each case depends on the nature of the property and/or the characteristics of the purchasers. The rates are set by the autonomous communities and, as a reference, in the Valencian Community the rates are 10% for the general rate, 8% for the reduced rate and 4% for the super-reduced rate.
ADJ or Stamp Duty
This tax on the sale will only be payable in the case of a purchase of a new build or first transfer. This tax must be added to VAT and the tax rate will be: 1.5% in the case of a second home or 0.10% in the case of a primary residence.

As for the mortgage, it should be noted that most of the costs are borne by the lender:

Valuation

La tasación es el único gasto que la ley hipotecaria regula que le corresponde a la parte compradora. Según la ley los prestatarios tendrán derecho a aportar una tasación independiente realizada por profesionales homologados por el Banco de España. Esto beneficia a los clientes porque les confiere mayor libertad e independencia y sobre todo mejorará su posición en la negociación con la entidad prestamista, puesto que esa tasación le valdrá para cualquier banco.

Administrative fees
These are payable to the bank and are the fees charged by the agency responsible for preparing the signing at the notary’s office, preparing and settling the taxes, and submitting all the documentation to the Land Registry for registration.
Notary fees
The cost of the mortgage loan deed is borne entirely by the lending institution.
Land registry
The final step will be to register the mortgage loan in the encumbrances section of the property’s land registry. This will incur fees that will be paid in full by the bank.
ADJ or Stamp Duty
The tax payable for formalising a mortgage loan deed before a notary public is stamp duty. Like the transfer tax on the sale, this is a direct tax whose rate is set by each autonomous community. There is a general tax rate and a reduced rate, which in the Valencian Community are 1.5% and 0.10% respectively. This percentage is applied to the mortgage liability and is payable by the bank.
Bank opening fee
This fee is not regulated by mortgage law, but is a fee that the bank may apply based on commercial criteria and/or risk analysis.

1. Purchase offer and reservation

We don't have to start building the house from the roof down, so the first thing to do is find the ideal home. We can advise you on this and recommend that you seek guidance from estate agents who will look after your interests.

2. Briefing

We will inform you about everything involved in a mortgage loan purchase and show you the different financing options available to you.

3. Receipt of documentation

We will request all the necessary documentation to process your mortgage with the various lending institutions. It is time to get started on the mortgage.

4. Processing of the transaction

We are now entering the banking negotiation phase, our true area of expertise. We will put all our effort, influence and know-how into getting you the best possible mortgage.

5. Receipt of bank proposals

We will present and explain in detail the offers we have secured for you. It will then be time for you to choose one of them and for us to meet with the chosen financial institution.

6. Property valuation

To obtain the desired financing, it is essential to get a good valuation. We will take care of managing this process and guiding you through this crucial step, thereby minimising risks. We will assist you every step of the way.

7. Preparation for signing

The bank will provide you with all the pre-contractual documentation for you to review and sign: FIAE, FEIN and draft contract. We will take care of organising everything for the signing at the notary's office.

8. Reflection period

You will have a minimum of 10 calendar days to go to the chosen notary's office to be informed of everything related to your mortgage free of charge and to sign the attendance certificate.

9. Signing at the notary's office

Finally, the final step has arrived: the day of signing the deeds of sale and mortgage loan. We will accompany you to the notary's office to ensure that everything goes smoothly. From today onwards, you will be a homeowner. Congratulations!

10. Delivery of deeds

The agency will take care of all the paperwork on your behalf to register the sale and the mortgage loan. Approximately two months after signing at the notary's office, they will contact you to deliver the originals. This will complete the entire process.

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Services for professionals

We can meet with your customers from the very beginning to help you guide them and redirect those who need it. You will always have our assistance to help you finalize a purchase offer.

We have collaboration agreements with a large number of entities, which allows us to always find the mortgage solution that best suits the needs of your customers. We will offer them as many solutions as they need without skimping on resources.

Our banking independence allows us to have a 360º vision of the mortgage sector. Above all, we will always defend the interests of your clients; contrary to what happens when working directly with a bank, which will tend to seek its own benefit.

We have our own agency, allowing us to complete our services when it comes to helping you with issues such as previous inheritances, cancellations of registrations, extensions of new construction, etc.. We try to give you the most complete service possible, a global service that covers all the needs of a real estate agency.

We will coordinate the entire mortgage process, from the first meeting to the signing at the notary’s office. We will interact in the appraisal, accompany the client to the bank, to the notary deed and offer continuous assistance so that you can focus your time on the real estate work.

You will have direct, first-hand information on the status of financing at all times. We know the importance of information to make better decisions in the management with your customers. By phone, whatsapp or mail, we will be communicated at all times.

Our extensive experience in the sector allows us to know perfectly the motivations, deadlines and requirements of both the real estate agent and the buyers and sellers. Thanks to our network of contacts, we can offer your clients the best mortgages on the market.

We are a company regulated by the Bank of Spain. We comply scrupulously with the new mortgage law and we have a liability insurance adapted to it. All our sales representatives have the qualifications required by the Bank of Spain to be able to carry out this activity and we are subject to continuous supervision and training by the highest regulatory body in the sector. Avoid collaborating with intermediaries who work outside the law, as they will not be able to offer guarantees to your clients.

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