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Community Fees & IBI Tax Arrears

Community fees and IBI taxes are another unexpected cost for property owners in Spain, especially when they are already struggling with mortgage payments.

Despite what many people think, these still have to be paid and can bring serious consequences if you fall behind with payments.

Read on to find out more and see how we can help.

More property debt issues in Spain

A combination of reckless practices and widespread mis-selling has left Spain with one of the 
highest levels of property debt in Europe. Whether you are stressed by negative equity or 
worried about an interest-only mortgage, we can provide the solutions you need.

Get Help In Spain

Negative Equity: Property 
Value Less Than Mortgage

Negative equity is the most common form 
of property debt however, this does not 
make it any easier to deal with.

Interest Only Mortgages

Interest-only mortgages were endemic in Spain before the financial crisis, often 
pushed as a more affordable and attractive alternative to a traditional mortgage.

Struggling To Sell Your
Foreign Property

The property market can be uncertain at 
the best of times. As a result of this, thousands of homeowners in Spain deal 
with negative equity.

Consequences
of Repossession

Property repossession was and still is commonplace in Spain. Lenders will often resort to repossession if you fail to keep up with your mortgage repayments.

Can't Afford Your Property

When purchasing a second home or investment property, it is rare that you plan for the ‘worst-case however, it can be easy for your foreign property to become unaffordable.

Received a Letter from a Spanish Bank

Spanish lenders can sometimes be slow to contact you regarding your property debt however, this does not mean that they have forgotten about you.

Loan Sales, Vulture Funds & Third Parties

As Spanish lenders struggle to recover money from borrowers, they are increasingly resorting to loan sales. They sell large quantities of loans to third parties for a very low cost.

Was Your Mortgage Mis-
sold?

Prior to the financial crash in 2007/8, lenders gave out mortgages with little to no due diligence and high loan-to-value ratios. This has resulted in a variety of issues.

Mortgage Arrears

What may have started as one missed payment can quickly spiral into a serious issue. Often falling into arrears feels like a downward spiral that you can’t escape out of.

Speak to us today

Every property debt issue is different, and so is the solution. 
The best way to find out how we can help is to contact us 
and speak to a property debt specialist today.

We try to respond to all requests within 1 working day.

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