Whether you are looking for information about
the Spanish Tax System and the implications for you and your family or whether you are looking to raise money against your property on a mortgage, either as a purchase or a re-financing deal, I am here to help you. I have access to equity release through a lifetime loan here in Spain. I am registered with FSA in the UK, under an umbrella company, and all regulatory "Key Facts about our services and costs" documents are readily available at the first meeting.
Mortgages, re-mortgages are still available, but the recent credit crisis has reduced the options available considerably. A popular way for the over 65's to take equity out of their property is a "lifetime loan" . In this type of scheme, ownership is retained at all times, and there are no repapyments to make. There is usually a "no negative equity guarantee", which means your surviving heirs will never have to pay back more than the value of the property. Having a loan against the property can also help reduce the tax bill your family will have, particularly if they are not tax residents in Spain. To find out more then speak to me or send an e-mail to to get initial financial advice on how such a scheme may affect you.
I can also discuss QROPS pensions and other aspects of saving and investing. Financial Life here in Spain is very much different to the UK, which means that it is important to find out the facts about the implications of such things as the EU Savings directive, which may impact on your own "offshore" bank deposits, and speak to an independant financial adviser.
For an initial review of your circumstances, please contact me on the numbers supplied.
Fully FPC and Cemap qualified adviser
the Spanish Tax System and the implications for you and your family or whether you are looking to raise money against your property on a mortgage, either as a purchase or a re-financing deal, I am here to help you. I have access to equity release through a lifetime loan here in Spain. I am registered with FSA in the UK, under an umbrella company, and all regulatory "Key Facts about our services and costs" documents are readily available at the first meeting.
Mortgages, re-mortgages are still available, but the recent credit crisis has reduced the options available considerably. A popular way for the over 65's to take equity out of their property is a "lifetime loan" . In this type of scheme, ownership is retained at all times, and there are no repapyments to make. There is usually a "no negative equity guarantee", which means your surviving heirs will never have to pay back more than the value of the property. Having a loan against the property can also help reduce the tax bill your family will have, particularly if they are not tax residents in Spain. To find out more then speak to me or send an e-mail to to get initial financial advice on how such a scheme may affect you.
I can also discuss QROPS pensions and other aspects of saving and investing. Financial Life here in Spain is very much different to the UK, which means that it is important to find out the facts about the implications of such things as the EU Savings directive, which may impact on your own "offshore" bank deposits, and speak to an independant financial adviser.
For an initial review of your circumstances, please contact me on the numbers supplied.
Fully FPC and Cemap qualified adviser
 |
 |
 |
 |
 |
 |
 |
 |
 |
Telephone: 34 966 713 057
Mobile: 34 686 242 103
Mobile: 34 686 242 103