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WE ALWAYS GIVE YOU 100%
BECAUSE YOUR SATISFACTION IS OUR SUCCESS

Mortgages

If you have decided to purchase a property in Spain whether you are a fiscal resident in Spain or not, then we at SMS will do our best to ensure that you get the best mortgage tailored to your individual circumstances with a bank that is near to you and where the account manager speaks your own language. 

 

WE ALWAYS GIVE YOU 100% AS:

  • We don’t normally charge you, the client, a fee for our services as we solely work on an introducer’s fee from the bank, paid to us once your purchase has been completed.
  • We at SMS are a truly independent mortgage broker that not only speak your language but understand what is expected from us in order to fulfil your needs and surpass your expectations with our services.
  • We have solid and professional relationships with most of the main Spanish High Street Banks and also have worked with many of the Real Estate Agents here on the Costa Blanca and Costa Cálida.
  • If you are not satisfied with the offer, we provide you or your circumstances should change, then you have no obligation to us.
  • We provide a fast and professional service that will give you a quick answer to save you time and money.

On top of this, our service does not end there which is why we continue to work alongside your lending bank to support you through your mortgage agreement.

Plus our experience in conveyancing and in many other legal fields is an advantage for you.

Conveyancing

Buying or selling a house in Spain?

Whether you are buying or selling a property there are many details that need to be fully checked and due diligences that need to be done to avoid any issues that could stop or delay the process.

 WE ALWAYS GIVE YOU 100% AS:

  • We at SMS, do all the preparation work, such as property checks, ownership, debts on the property, urbanistic legality of the property and much more, so you don´t have to worry about anything.
  • We deal with the seller, the seller’s representative or the estate agent, produce legally binding contracts to protect your interests and go above and beyond so you can complete your purchase with complete piece of mind.
  • We prepare all the information and documentation ready for you, so you just need to attend at the Notary to sign the completion or if you can´t attend we can always sign on your behalf if you have granted us with a Power of attorney.
  • We will keep you informed through every step of the way and our commitment doesn´t end there at the notary as we offer an aftersales service for life.

As additional services, we can also guide you with our trusted contacts for alarm systems, painters, builders, gardeners, lock smiths, & insurances….

Residents or no residents in Spain, buying with cash or need a mortgage, we at SMS give you 100% as your satisfaction is our success.

Other Services

Residence

We offer you all our experience to assist you throughout the whole process of obtaining the residence.

  • Foreigner´s identity number (NIE)
  • Foreigner´s identity Card (TIE), Padron
  • Exchange of driving licence; Health Card
  • Suma, utility bills, embargos, official translations to English, Spanish, French, German and Arabic.

Tax

As either a resident or non-resident in Spain then we are here to guide you through your obligations.

  • IRNR (non-resident tax)
  • IRPF
  • 720 model
  • 3% retention tax
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Wills

If you have assets or property in Spain then it is highly recommended that you have a Spanish will in place.

  • Power of Attorney
  • Inheritance
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Workers Law

Have you tried to talk to your company but you are not getting anywhere? If you are unsure about:

  • Your rights
  • Dismissals
  • Modification of contracts
  • Maternity rights

Would you like to know more about our services?

Please, contact us and we will provide you with more details about your enquiry as soon as possible.