Spanish lenders require most, if not all, of the items listed below before granting a mortgage. It is important that we have all or the majority of the paperwork listed before an application can be submitted or considered by a bank.
Should you have any questions please do not hesitate to contact us at info@goldacreestatesgrancanaria.com
- 2 Clear copies of passports (colour copy/ies preferred and 1 B&W authenticated** copy
- Copies of last three months bank statements
- Copy of last three or six month bank statements.
- Copies of last three months payslips
- Copies of last P60
- Employers letter confirming salary and length of employment
- Self employed clients need to produce a letter from their accountant (Chartered) confirming last years income accompanied by last years self assessment of earnings.
- If you already have or had a mortgage in Spain, 3 months proof of mortgage payments and bank letter confirming outstanding balance.
- Copy of the purchase contract
- Nota Simple of the property
- Copies of N.I.E. certificates
- Utility bill
- Credit report obtainable from www.experian.co.uk
UK clients - Money transfers
GoldAcre Estates use HIFX, Currencies Direct, Moneycorp and Travelex for efficient transfer of Euros from the U.K.
Authentication
Authentication is simple and can be performed by anyone who is not an immediate member of the family. Simply write “authenticated as a true and exact copy of the original” on the document and have a friend write their name, address, telephone number and sign and date.
Although this list is not exhaustive it is intended as a general guide as to the information required by the Canary Islands to obtain a mortgage in Gran Canaria.
