I am a uk mortgage broker and also offer spanish mortgages as im dual based. i will send you a pm with my email if you wish to contact me.
A quick update though on the market:-
Self cert and of course self cert sub prime are nearly impossible to do.
Money market rates in the uk( not base rate yet ) have risen 100 basis points(meaning base could rise 1pc) since the beginning of november and the lenders have reacted by raising their fixed rates. A rate rise is now looking increasingly likely and most brokers are advocating fixed rates.
As far as spanish mortgages go if you are a purchasing then why not buy a property off a bank as they offer mortgages up to 110% on their repossesions
Remortgaging in spain is very expensive so unless you have a mortgage over 100k and 30 pc equity then its tough to make it economical to switch lenders so if you want to switch from a tracker to a fix its probably best to contact your own bank first.
This message was last edited by georgeh on 09/02/2011.
This message was last edited by georgeh on 09/02/2011.