hi have just returned after veiwing our apartment we went to sort out a mortgage.and found out the completion cost we were given by our lawyer included his fees i.v.a and notary fees but were dismayed to find we still have to pay stamp duty on top at a rate of 2.8% our lawyer did not tell us about this we were told by our lenders. the good news it can be added to mortgage if need be, we had our mortgage with the leeds in gib who have just started doing spanish mortgages it took less than 24 hours to get a reply and the intrest is not bad you