Terms and Conditions
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Once you received a free mortgage valuation from Overseas Mortgage
Shop, S.L. and you decided to take advantage of our services offered
you will bear the following costs and charges:
1. Costs for
property survey carried out by an external surveyor.
Those costs vary according to
the size and value of the property. You will be asked to deposit an
amount for the valuation in our third
party account before your application is being processed. Should no
survey be carried out the deposit or any overpaid sums
will be refunded.
2. There is an
administration fee for our services to be agreed on a case to case basis
Documentation: The following
documentation has to be provided, subject to each individual case,
once the mortgage process starts.
copy of all applicants
A copy of your NIE number (in
case you do not possess a NIE number we are able to apply for one on
your behalf for a small charge)
A list of all properties you
possess in Spain and the deed of purchase (escritura de
you have signed or are supposed to sign regarding the property you
would like to buy showing where the property is registered (Land
A recent copy of the Land Registry (Nota simple)
of the property that will be charged with the mortgage – must not be
older than three months
Any deed (escritura) regarding the property (declaración
de obra nueva, declaracion de division horizontal, escritura de
Latest I.B.I. certificate (yearly property tax)
In case you wish to finance any building or
modification of an existing property: a detailed quote including
material, if applicable the building permit, the project with plans,
and further licences.
In case you are employed:
you are self employed / free lance:
In case you
are the Managing director / employee of your own
company and you receive income from that company:
Latest P60 / tax return
Last three payslips (the period covered must not be
inferior than three months prior to the mortgage application)
Copy of your employment contract
Bank statements of the last three months prior to
the mortgage application showing that your receive the income from
Bank statements of the last twenty four months
prior to the mortgage application showing that your receive the
dividends from your company
Last company accounts
Copy of the company house / Certifiacte of good
In all above cases: Information
from the CREDIT BUREAU
NOTICE: PLEASE ALLOW AT LEAST FOUR TO SIX WEEKS TO RECEIVE THE
PROMISES YOU TO GET THE MORTGAGE READY IN A SHORTER PERIOD OF TIME IN
ORDER TO PERSUADE YOU TO SIGN AN OPTION CONTRACT (PRE - CONTRACT) WITH A
VERY CLOSE DEADLINE WILL SERIOUSLY PUT IN DANGER YOUR INTERESTS AND YOU
MAY END UP LOOSING YOUR DEPOSIT TO THE VENDOR!!
mortgage has been finalized we will destroy all documentation sent to
us. This does not apply to your passport and NIE number, which we are
obliged to keep for five years according to the Spanish tax legislation.
This website is owned by Overseas Mortgage Shop, S.L. The whole content on the website of www.omssl.com
is published for the purpose to provide general information on the services provided. A binding contract of service is not made by solely reading or downloading of the content shown, nor by the transmission of an Email to
@omssl.com nor one of this members or employees. A binding contract of service is only made upon receipt of a written confirmation of a contract of service signed by a representative of Overseas Mortgage Shop, S.L.. Without such a written confirmation no advice whatsoever will be given nor services rendered.
Nothing in this website shall constitute an offer from us for the advance of any monies, whether secured or otherwise.
While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, information is provided on an "as is", "as available" basis, and we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no representation or warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability or for any failure of performance, error, omission, interruption, defect, delay in operation or transmission or line or system failure. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties, and we make no representation or warranty regarding the accuracy, functionality or performance of any third party software that may used in connection with this website.
No legal advice in whatever way with the content published on this web site is given.
If you send a message to one of the Email addresses shown on the web site, we advice you that this message will not be encrypted and will therefore be insecure. You should not send personal information via Email if you intend to keep the content of this message secret. In case Overseas Mortgage Shop, S.L. receives an Email form you we do assume that you wish to communicate with us via this insecure means of communication.
You are wholly responsible for the use of this website by any person using your computer and you must ensure that any such person complies with these terms and conditions.
Personal Data: All personal data are voluntarily provided by the user. This web site does not use "Cookies". All information provided will only be used for the purpose of providing legal services by Overseas Mortgage Shop, S.L.. Third parties will not have access to those data except for the banks we are working with in your special case. All information stored is upon written request revealed to the user and deleted if so applied.
General Information on the Service Provider and Regulated Professionals - According to the "Electronic Commerce Directive" (00/31/EC) & Electronic Commerce Regulations 2002 (Statutory Instrument 2002 No. 2013)
Service Provider: Overseas Mortgage Shop, S.L.
VAT N°.: ES-B-57383754
Company House: Registro Mercantil Palma of Mallorca n° PM 52996
Address: C/Hostals, n° 16 bajos, E-07002 Palma de Mallorca
Sole Managing Director (Administradora única): Tres
Tel: +34-971 77 45 22
Fax: +34-971 57 51 77
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