“When Steven Walden from Home Loan Spain called me up some time after completing on our property purchase and asked if we wouldn’t mind writing a short testimonial for his web site, we didn’t hesitate! Steven was the single most helpful individual involved in our property purchase, who kept us posted on a very regular basis to let us know what was going on. Every thing he said he would do he did and made our Spanish mortgage application and our experience so far in Spain a happy and pleasant one. Thanks Steven”

Richard and Deborah Carmichael, Chester

My wife and I will be recommending Home Loan Spain to any of our friends who need a Spanish mortgage. He is honest, reliable and strove to find us the best product. When we finally met Steven in the notaries office it was an opportunity to thank him face to face for succeeding where 2 other companies gave in.  Ours was not an easy case but Steven appears to have still managed to get ours arranged in the end.  Thanks and Well done Steven”

Lenard and Anne Herriot, Devon

I want to thank those at Home Loan Spain for all their help recently. I thought it was the most smooth of all the mortgages I have ever had arranged, and there has been plenty. I will be recommending you at every opportunity.

Jack and Dorothy Beeney, Bristol

Our Spanish mortgage application was fraught with obstacles through out. Thanks a lot for persisting with our application. L and A Mason, Stony Stratford

Home Loan Spain went to great lengths to secure our mortgage approval, there were bureaucratic reasons that kept our lawyer at the time from obtaining the nota simple from the land registry department. With out this document there was no way we could get a mortgage on a property that we paid for in cash 3 years ago. We were desperate. When we bought the property the agent told us to pay cash and get the mortgage after or we would lose the property since it was cheap for what it was and there was a great deal of interest. Having paid cash we by now had very little money left in the bank. Then we found out that there was a problem with something called a Plan Partial and that would prevent us from easily obtaining the nota simple. At least that is what our first lawyer said.

When we were recommended Steven he was truthful and told us he could make no promises of resolving our problems quickly but would do his best.  He went to the local town hall in Manilva to look in to it. It was a simple issue for him to understand and sort out with the help of a lawyer called Alfonso Jimenez. Three months later he asked us to write this for him. With pleasure! In fact if you would like to speak to us directly I would be glad to do so.

Rosy, Dorset

Id had no end of problems getting my mortgage. Sally at Home Loan Spain got us the approval in 10 days an amount of time she said was longer than usual. The other company took 6 weeks and we still had no mortgage. We lost the first property and still never got the loan. We found another property. It has gone through now. Thanks Sally

Edgar and Paula, Dubai

We bought 3 properties off plan a decision we would soon regret as the idea was to sell before completion. We believed as so many have that we would make a fantastic return on the investment. As it turned out this was nt to be and after 2 years we received a letter from the developer explaining to us that they now had the occupation license and we have 4 weeks to complete on all 3 properties. We were worried all our money was tied up in these 3 flats and the market is very quiet indeed. Now we faced the prospect of 3 mortgages of about €175 000 each. This would costs us over ₤1800 per month on top of our cost of living in the uk. Plus we would have to pay taxes on each apartment. Something we had never considered since we never believed we wouldn’t sell them on before completion.  Our prospects looked bleak. Having three mortgages in Spain is such a big pressure. Especially when we did nt expect to find ourselves with even one mortgage in Spain. We asked our lawyer what to do but he said we have no choice but to complete or face losing a considerable amount of our deposits - as much as half. We had given the developer about ₤160 000. We were in a real predicament. Then we found Home Loan Spain on the net and they said that to win our business they would seek to delay completion for as long as possible that has so far turned out to be 14 months which has so far saved us ₤ 25 000 in mortgage payments, it has saved us from needing to find tenants all at once, and ₤18000 in Taxes for each property we complete on. Home Loan Spain arranged a lawyer much cheaper than our own about half the amount (.5 % instead of the standard 1%) who has been able to legally justify delaying completion with out extra expense to us and in fact saving us a very, very considerable sum. We will at some point be obliged to obtain the mortgages and complete on each apartment if they don’t sell. But for now at least we have time to try to sell and we aren’t paying those hefty mortgages. Steven you really deserve to do our mortgages if and when the time arrives.

It must be very usual to find a broker or any kind of salesman willing to delay his own commission, especially for so long in order to earn his commission? Thank you Steven and Thank you to you too Alfonso!

Richard, Margaret, Mathew and Jemma

Thanks for standing up to the developer on our behalf. Alfonso is a really decent bloke much better and cheaper than the other lawyer that we started off using that the agent at the time that we bought off plan introduced us to. Alfonso is also a professional. It’s a massive relief that he has managed to get a delay. There’s no way we can rent it or sell it whilst the whole place surrounding us is a building site. Great angle Steve I will recommend you where ever I can mate.

Simon Lanbury, Rugby Warks

Well done!!!!!!!!! I m so relieved at least the pressure is off for a while. There too much noise and mess to resell the gardens were nt even planted and yet the lawyer and developer were forcing us to complete. Thanks Alfonso

Carol Simmons

Alfonso has asked me to help him and Steven to win more clients by writing a testimonial. Alfonso managed to delay completion on both apartments that myself and my wife purchased in a Polaris World Development. We are pleased because both are surrounded by construction and offer no enjoyment for some considerable time. He is also charging us much less than the lawyer that we started with.

Charles
Basingstoke

We are so relived to have me Steven and Alfonso( lawyer). Had we not we would have believed our developer and for that matter our lawyer and been paying a mortgage on a property that we had originally expected to re sell. There is so much new construction going on around our unit that would be buyers are spoilt for choice for apartments off plan. For that reason every month that we are not paying a mortgage is money saved and longer for the surrounding developments to get closer to completion. Thanks Steven I appreciate that you are acting in OUR best interests.

Vicky and Pat Richardson

Hi Steven I have to say given our circumstances you obtaining .9% over the base rate without redemption penalties is an excellent result- Thank you. That’s a really low rate compared. We were expecting about 1.25 over to be honest. Hope it didn’t effect your s and Sally’s commission too much.  Best ragards.

Stefan and Fiona

Newcastle upon Tyne

Our Friends recommended Home Loan Spain and I have to say they have really proven himself to live up to their word. We have only just completed on a property that we were supposed to complete on a long time ago, almost a year. The property wasn’t finished to standard and we wanted to complete the purchase and receive the keys when it looked like the picture in the brochure- which it now does. Thanks God that Alfonso in The legal department and Steven at Home Loan Spain were there to assist our cause, such luck indeed. With their help we have avoided paying a mortgage of €800 a month for 11 months - a big saving. Now the developer have put the gardens in and finally dealt with the snags with the properly and we are delighted with what has turned out to be a property.

Jenny & Ken Marshall
High Wycombe Bucks

The idea that you delay completion to win clients is a very good one. I’m really delighted with all that you have achieved where that’s concerned. As you know Michael was n t in to the idea of investing in Spain and as it turned out he’s now more into it than me. Also thanks for the introduction to the legal department he has given him piece of mind. This has given me enormous relief . Thanks now.

Megan
Lea-on-Sea Essex
Well done Sally. Thanks for getting the developer to knock the price of a kitchen off. Now the place is finished we are really chuffed to have finally completed on our mortgage in Spain. Is this ok? If you want me to add to this drop me a line. Can you also tell Steve that I said thanks for his help.  Thanks  Sally

Steven Jones
Edinburugh

Thank you Home Loan Spain . The longer we can delay completion the better we are still not in a position to complete until Charley is back to work. The longer you can keep the developer at bay the better. Thanks Mate. Catch up with you in the New Year. Happy New Year!

Andrew and Charlotte Tulley
Hi Steve

No problem in writing a testimonial for you. You have done a good job arranging our Spanish mortgage. I’m surprised you managed to get it through to be honest. I thought I would end up putting in more cash. It actually worked out around 90% loan to value, much better than the 70% and 80% that your competition was suggesting. I’m glad I put my faith in Home Loan Spain.

Well done
Mike
Chigwell Essex

Home Loan Spain and Jimenez Abogados lawyers are completely on your side when a developer is pressurizing you to complete on your property before you are ready. In my case, my wife and I found our situation had changed finically, and the last thing we needed was another mortgage to pay especially on a property that was effectively un- rentable and un- sellable whist there was so much construction going on around us. In law how ever you need a much better excuse to delay than this and Alfonso Jimenez found enough reasons where the original lawyer that we first met when we bought the property could find none. We changed lawyer to Alfonso and he is charging us much less than the standard whilst providing a better service to be reckoned with.

Gracias Amigos
Barry and Angela Edmonds, Chorley Wood

Thanks for all your help Sally. We are very happy with your performance in getting our Spanish mortgage approved. You have acted thoroughly professional through out and I would have no hesitation in recommending you to others. Thanks again

All the best Harry Derham

Customers Testimonial Spanish Mortgage