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Xcape to the Sun are delighted to have been appointed as marketing agent for an exceptional investment scheme offered by several leading banks of Spain.

It is well reported how the Spanish property market has declined, in most cases, ahead of other world markets. The result of this is that many original investors in a “boom” market are now suffering the effects of the decline and there is a high potential of defaulters on original mortgages.
In order to avoid borrowing to cover these potential debts, several Spanish Banks, (who are known for the prudence when lending), are providing an excellent investment opportunity for investors to capitalise on a market before foreclosure on debts becomes necessary.

Here’s how it works for the investor.

The investor is purchasing the outstanding mortgage from the mortgage provider. The mortgage having been provided to the borrower based on a percentage of the banks valuation of the property.
On the investor taking ownership of the mortgage the borrower is still obliged to fulfil the terms and conditions of the original mortgage.
The bank will advise the borrower that the debt has been transferred to the investor.

Mortgage payments are then paid direct to the investor at the original interest rate of the mortgage, which in most cases is a fixed interest plus latest Euribor rate. The investor will be advised of this before purchase. This provides a healthy investment return.  Payments continue as defined in the original mortgage. At completion the initial investment and interest will have been received by the investor.

Should the debtor fail to meet the terms and payments of the mortgage after 2 months, the investor (the owner of the mortgage debt) has the right to foreclose on the mortgage and take full ownership of the mortgaged property. Taking final ownership of the property can take from 3 months to 1 year.
At this time the investor can take possession of the property and do as they wish with the property:

Take possession: The investor can use the property as their domicile or generate rental income from letting.
Sell the property: The property can be placed for auction or with agents for sale or direct sale.

Here are some examples of the information you will receive when register:

Property and Area
Mortgage to purchase
Apartment, Mijas
Costa del Sol
Villa, Calahonda
Costa del Sol
Apartment, Marbella
Costa del Sol
Apartment, Mijas
Costa del Sol
Apartment, Estepona
Costa del Sol
Townhouse, Alhaurin
Costa del Sol
Plot, Benalmádena
Costa del Sol
Apartment, San Pedro
Costa del Sol
Commercial, Estepona
Costa del Sol
Apartment, Marbella
Costa del Sol
Apartment, Nueva Andalucía
Costa del Sol
Commercial, Coin
Costa del Sol
Villa, Nueva Andalucía
Costa del Sol

The above are examples from the current list of approx. 500 mortgages available for purchase. Please note: mortgage cost can vary month by month. Investors will be advised of exact figures when a confirmed enquiry is made for a specific property. (Please note: the investment is the cost of the mortgage to purchase figure. There are no further costs from the bank. There will be standard legal costs from lawyers and notary for purchase and registration. These will be advised.)

All dealings are made through bar registered Spanish Lawyers who have been appointed to advise potential investors on the contracts to purchase mortgages and are available to discuss these with the investors appointed representatives if so wished.

Agents/Financial Advisors. Please note.
This scheme does not offer any commissions. However it has been approved that appointed agents/IFA’s are allowed to charge 3% introduction fee to their clients on completion. On submission of registration form please mark if you are an agent or IFA

register your interest now – without obligation.

Simply click here to complete the application form.

You will be sent by return:

  1. The current list of 500 mortgages available for purchase.
  2. Full details of procedures involved in acquiring mortgages.
  3. Draft contract for review.

Xcape to the Sun are available to respond to your enquiries. Please e-mail us on: spanishsubprime@xcapetothesun.com

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