Documents Required

DOCUMENTS REQUIRED FOR ALL APPLICANTS

  • Solicitors details (name, e-mail address and telephone number)

  • Purchase or reservation contract

  • Details of any significant non-debt related payments, such as private school fees, alimony (maintenance) payments or rental payments (marking bank statements clearly to highlight these is very helpful)

  • Full UK credit report (for UK applicants go to www.creditexpert.co.uk and download the full Experian report in PDF format) or the equivalent for your home country, where available

  • NIE number (if you already have it)

  • Bank statement(s) showing the savings to be used for the deposit, fees and taxes (plus any other assets you can prove to strengthen your case, even if not to be used for the purchase e.g., managed funds, share portfolios etc)

  • Estate agents details (name, e-mail address and telephone number)

  • Current Nota Simple plus a web-link to the property

  • Completed application form(s)

SOMETIMES REQUIRED

  • Details of other loans or debts in Spain, including bank receipts for last 3 payments where appropriate

  • Bank reference letter, confirming the length of the relationship with the bank and that the accounts are maintained satisfactorily

  • Latest annual mortgage statement for any properties you may own

  • Latest 3 bank receipt slips for mortgages (if appropriate) on any properties already owned in Spain

  • Utility bill (gas, electric or water) proving residence at current home address

EMPLOYED APPLICANTS

  • Copies of latest 3 months’ bank statements showing income and payment of regular commitments


  • Latest 3 months’ payslips

  • Latest 2 years’ annual tax statements showing gross and net income (P60 for UK applicants)

  • Letter from your employer confirming the date you joined the company, your position (job title), your income and whether you are on a permanent or temporary contract

  • If less than 2 years in current job, details of previous employment (dates with previous employers, job titles, incomes and roles)

SELF- EMPLOYED APPLICANTS

  • Applicants not directors of their own companies

  • Copies of latest 6 months’ personal bank statements

  • Personal tax returns for the last 2 tax years (for UK clients, SA302s are not sufficient on their own for a full application, but useful for initial enquiries)

  • Copies of latest 3 sets of audited sole trader accounts (if appropriate)

  • Letter from chartered accountant confirming net profit after tax in the last 3 tax years

  • Applicants directors of their own companies

  • Copies of latest 6 months’ personal bank statements

  • Latest 3 months’ payslips

  • Letter from chartered accountant confirming salary, dividends and personal drawings in last 3 tax years

  • Latest 3 sets of audited accounts for company (or companies)

  • Copies of latest 6 months’ business bank statements

RETIRED APPLICANTS

  • Proof of pension income received in the last 2 tax years (P60s for UK clients)

  • Copies of last 6 months’ bank statements showing income and payment of regular commitments