the 2.8% stamp duty is not included its on top of the i.v.a. and other legal costings we didnt know about it untill we set up our mortgage and didnt understand why our lawyer didnt tell us about it we were told 10% to 11% for legal costs
we were able to include all the extra cost involved in our mortgage and allso unlike in the uk if you want to pay a lump sum off the mortgage at eney time or early repayment the are no penaltys to cost topay
if you need caretaker/cleaner or furnishing let me know as i have a cleaning service starting at arenal as soon as i move in hopefully by march07 and can put you in touch with furniture company