With Low Rate Spanish Mortgages, you can get a mortgage, remortgage or equity release loan fixed for three years at 2.1%

Traditionally, the benefits of low rate multi-currency loans have only been available to high net worth individuals through selective private banks. These services have normally been provided by UK brokers such as Savills or Cluttons Private Finance, usually for loans exceeding 750K.

Times have changed! Our Japanese Yen (JPY) loans are now available to most home buyers. For example, a 200K multi-currency mortgage at 2.1% would only be 334.99 Euros per month (interest only). Minimum advances may apply according to country, property style and location.

Mortgages available for properties worldwide

From humble beginnings as a small Spanish mortgage broker to being one of Spain's largest, we are now able to provide our low rate multi-currency products throughout Europe, USA, Central and South America, the Middle East, Asia & Australia.
Established since 2003 with over 800 mortgage applications approved in 2008/2009, we offer:

• Mortgages for UK and Spanish properties 

• A fantastic low rate of 1.81% for loans over 500,000 Euros

• Multi-currency Term Assurance offering you peace of mind with protection against exchange rate fluctuations for a very low monthly premium

• Switch your mortgage to us (multi-currency product) and we'll even settle your existing lenders account to the value of 0.5% of the outstanding loan, if there are any charges

• Free legal fees for applications - including Gestoria, Notary & property register fees. And unlike some lenders, you do not have to repay these fees if you surrender your mortgage within 5 years

Contact us today for a no-obligation quote

What is a Multi Currency Mortgage?

A multi currency mortgage is a mortgage that is repayable in a currency other than the currency of the country in which the borrower is a resident.

The interest rate charged on a multi-currency mortgage is based on the interest rates applicable to the currency in which the mortgage is denominated and not the interest rates applicable to the borrower's own domestic currency.
Our preferred Japanese Yen (JPY) mortgage is based on the Japanese Bank base rate which have hovered around zero percent for many years, unlike European rates.

How do I apply and what are the criteria?

• Loans are available to a maximum 80% LTV for multi-currency mortgages.
• If you're a professional with an excellent employment record we may consider to 85%.
• Currently, the maximum advance for non multi-currency mortgages is 70% and in some cases 60%.
• Self cert loans are available for multi-currency mortgages

The yen is the third most traded currency in foreign exchange after the US Dollar and the Euro. For ease illustrations will be based on an exchange rate of 125 to the Euro

Multi-currency Mortgage Service

For this bespoke service we use independent intermediary mortgage packagers, Dominion for all multi-currency mortgage applications who will administer and manage your loan on behalf of the ultimate lender/owner.

They are experts in Global currency markets and are often able to get exclusive packages not available to individuals and high street brokers, particularly in multi-currency mortgages.
The service provided by the intermediary doesn't cease when a mortgage is granted. In fact it's just the beginning. Your mortgage will be a managed currency mortgage, where a currency manager may switch (with your permission) your mortgage in and out of various currencies when he judges that it is prudent to do so.

If your account manager is confident you could save money on your mortgage repayments and/or reduce the loan he may suggest moving it from being Yen based to the Dollar, Euro, GBP Pound or Swiss Franc. They are inspired to perform since they only receive their commission on the savings that you make. This service is optional.   

Mortgages with Spanish and UK banks (traditional Euro or GBP mortgage)

Let us arrange your mortgage for you with a Spanish or UK bank at rates from only 4.0% (depending on size of loan).

We do not charge any fees whatsover to arrange these mortgages.

However, Spanish and UK banks will insist that you have a valuation conducted which will cost between 300 - 600 Euros depending on the size, value and property location.

To find out more and for a quick no-obligation mortgage quote, please complete the Contact Form below