Rose FS are a specialist mortgage brokerage, regulated independent financial adviser, Tax and Accountancy service based in Mojacar, Spain. Our staff are UK and Spanish speaking and all advisors are UK trained and qualified with experience running deep in our veins! We are here to serve you! Up to 100% mortgages for Spanish properties based upon residency status and the valuation of the property (s) offered as surety.

80% mortgages for non-resident purchases and re mortgages alike. 'Off plan' constructions. Lending is normally on completion of the build, again up to 80% of the valuation, unless the applicant is the actual developer. In this case, we can arrange specialist construction finance with funding released at certain stages of the build.

Interest rates are very low in comparison to the UK and range from just 5%. 'Interest Only' has finally arrived in Spain which cuts the cost of a normal 'Repayment' mortgage (capital and interest) in half! Interest Only can now be arranged for up to 40 years!

Remember that having a Mortgage is CRITICAL in Spain for mitigating Inheritance Tax and Exchange Rate risk. And ‘Interest Only’ is the KEY product!

Mortgage terms can be arranged up to 40 years with a normal expiry age of 80, for further information please submit your details below and we will revert immediately.