Bank Mortgage


With the EURIBOR (the most common rate for calculating a mortgage) being at the current rate, getting a mortgage now makes financial sense. Getting a mortgage in the local currency compares rather favourably against the rates offered in the UK . It also saves you from currency fluctuations.

With the current increase in people taking out mortgages here, the banks have been forced to compete for business and so therefore you can a better “deal” than in the UK. Here in Villas Valencia, we can help you find not only the best rate but also the most suitable length of term. On average, banks offer 60-80% of the value of the property.

Speaking Spanish is not essential, as we´ll put you in touch with English speaking banks!


Normally, you will need the following papers when applying for a mortgage:

  • Photocopy of passport / residence permit

  • Work contract – Proof of employment

  • Last 3 salary slips

  • Short version/extract of the property register (deeds)

  • Last 3 bank statements

  • Any other assets or liabilities

This is not a complete list but should get you well on your way.


Valuation – You will have to pay for the valuation of the property with an approved “tasador” by the bank.

Property Registry- You will have meet the cost of the changes made to the property registry. Once the purchase has been made, you register the deeds confirming you as the new owner.

Notary- This procedure is the confirmation that the mortgage and the sale of the house are within the law.

Bank charges.

Amounts vary depending on the mortgage so if you have any doubts contact us for an updated offer!

Please note that this is only a rough guideline and is not contractual.

About Us

Villas Valencia offers properties in Valencia at Spanish prices. What`s more, we don`t charge the buyer (as most other agencies do). We are an English locally run estate agent company dealing with properties in a picturesque area around the city of Valencia.


You are the only agent we dealt with your knowledge of the area and the buying process left us at ease that everything would be taken care of. - Mr & Mrs P, in Naquera

Your advice was clear and brilliant. You completely understood our requirements and objectives, facilitating our new purchase. Thank You! - Mr L, Now living in Lliria

You offered a great service from start to finish, clearly explaining all our options and helping speed everything through. You translated everything we needed quickly.

- Mr T, Second home in Montroy

Villas Valencia was fantastic and exceeded my expectations. I will and have recommended you to others. Thank you for all your referrals for building work. We love our new pool! - Sean, house in Rocafort

Thank you for all the help buying our property in Valencia. With so much to think about, you explained everything well and made it all very easy. Cant wait to move out there fully and enjoy a G & T on our balcony with you.

- Ben, house in Naquera

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