An ongoing series of articles offering advice to potential homebuyers considering moving to southern Spain
Introducing: our Mortgage Officers
Do you dream about owning a second property in sunny Spain? Weekends away, the beach at your door and fun in the sun? With the help of the NatWest Spanish Mortgage team, your dream can now become a reality.
NatWest is well known as a leading mortgage provider for properties closer to home, but fewer people are aware that we also have a team experienced in arranging mortgages in Spain, the Canary or Balearic Islands. Our five bilingual Mortgage Officers, based in the Spanish Mortgage Centre in Gibraltar, are here to guide your approved mortgage application right through to completion, offering you guidance and support at every stage of the process.
With a combined 23 years of experience and expertise, this professional team leads our customers from the point of getting agreement in principle, right through valuation of the property to the all important drawdown. Our team consists of Tania Olivero, Sylvana Balestrino, Romina Sciortino, Charlene Ramagge and Nicole Gonzalez. All Gibraltarians with genuine local knowledge, they are fluent in both Spanish and English and their professionalism reflects the world-class service NatWest is renowned for.
Tania has worked in the department for over 10 years and is an expert in her field. Sylvana celebrates her 16th year with the bank in 2008, and her varied background enables her to provide you with a complete and highly satisfactory banking experience. Some of you may remember Romina from her days as NatWest Chief Cashier – her skill for building a rapport with customers is invaluable to our team. Charlene hails from a Premium Banking background, and attention to customer service is her priority. Nicole’s time in the bank has been spent specialising in lending, and is she perfectly suited to guide you through the process of purchasing your Spanish home.
With the support of their assistants, Grace Raineri, Ana Maria Machado and Joelle Requena – who have over 12 years’
experience themselves – our team of Mortgage Officers will make arranging your mortgage in Spain an easy, hassle-free process. Liaising with solicitors and valuers on the Bank’s behalf, their extensive knowledge of the Spanish property system allows them to help you realize your Spanish property dream smoothly and securely.
At NatWest Spanish Mortgages we deliver an individual experience, suited to your needs and requirements. Our highly trained staff will help you decide on your mortgage with the superb levels of professionalism and efficiency expected from NatWest.
Capital repayment mortgages:
Up to 65% loan to value or purchase price (whichever is lowest)
Up to 25-year term or age 70 at expiry
• Minimum €100,000 mortgage
• Competitive interest rates
Up to 60% loan to value or purchase price (whichever is lowest)
• Up to 10-year term or age 70 at expiry
• Minimum €200,000 mortgage
• Competitive interest rates
As you can see, our capital repayment and interest-only mortgages offer enough flexibility to cater for everyone’s needs. You choose the term – up to 25 years, so you can ensure that your monthly payments are comfortable. Or you could take advantage of our interest-only facility, which gives you lower payments over a 10-year term, and could be the right choice for those with assets. With NatWest Spanish Mortgages, you will also have a choice of interest rate options. Our 2-year discounted rate – currently at 5.98% – is always a popular choice; if you want extra peace of mind, our 1-year fixed rate might be more appropriate as it fixes your payment throughout the entire year. Whichever you choose, a NatWest Spanish Mortgage will help you enjoy and feel at ease in your new Spanish home.
So if you agree that Spain is the ideal family holiday destination and wish you could stay for more than just two weeks in the summer, Tania, Sylvana, Romina, Charlene and Nicole and the rest of the team are here to offer the professional support you need. Why not talk to us today and give yourself the opportunity to get away to the sunshine as frequently as you wish – or make your summer holiday last all year long!
Give our team in Gibraltar a call on 00350 200 44166 or
email firstname.lastname@example.org with any questions.
Security required. Over 18s only. Calls may be recorded. Internet e-mails are not necessarily secure as information might be intercepted, lost or destroyed. Please do not e-mail any account or other confidential information.
YOUR SPANISH PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT (Euro mortgages only). FOR MORTGAGES WITH INTEREST PAYMENTS BASED UPON VARIABLE RATE TERMS, THERE IS A RISK THAT THE TOTAL SUM PAYABLE UNDER YOUR MORTGAGE MAY INCREASE SIGNIFICANTLY AS RATES RISE.
The Spanish Mortgage is provided by Adam & Company plc trading as NatWest, a UK subsidiary of The Royal Bank of Scotland Group. NatWest and associated trademarks are licensed for use by Adam & Company plc. Adam & Company plc is registered in Scotland No SC83026. Registered Office: 22 Charlotte Square, Edinburgh, EH2 4DF. Adam & Company plc is authorised and regulated by the Financial Services Authority (FSA). FSA Registration number 114724.
Click here to view our full list of articles containing information essential to anyone who has purchased (or is considering purchasing) property in Spain.