Spanish Link endeavours to provide accurate information but disclaim all warranties with regard to the information contained on these pages. In no event or circumstance shall Spanish Link be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortious action, arising out of or in connection with the use or performance of this information. Spanish Link checks the information contained in these pages for accuracy but recommends that professional and legal advice is taken before entering into any form of transaction or contract.
Spanish Link does not take any responsibility for the accuracy of the information contained in these web pages and documents and recommend that all particulars are verified independently prior to entering into any form of transaction or contract.
In accordance with the Spanish law (Ley Orgánica 15/1999, de 13 de diciembre) concerning Data Protection of a personal nature, we inform you that the personal data you are about to, or may provide will be incorporated into a data file owned by Spanish Link who, as responsible party for the file, will use the data in order to provide you with personalized attention in its offering of products and services, as well as inform you about news and specials associated with these products and services. WE DO NOT SELL OR GIVE YOUR DATA TO 3rd PARTIES. The present Legal Notice regulates the access and use of the resources and services offered on the Internet website the "site"),
Access and use of the Site attributes you the role of Site User which implies complete acceptance of each and every point included in this Legal Notice, without reservation. As a consequence, the User should carefully read the Legal Notice each time the User makes use of the Site because the Site may undergo modifications. The use of certain services offered to Users of the Site is subject to its own set of conditions which, depending on the case, substitute, complete and/or modify the present Legal Notice.
Therefore, before using said services, the User should also read all conditions carefully. Likewise, Site use is equally subject to all notices, rules of use, and instructions made known to the User by Spanish Link which substitute, complete and/or modify the present Legal Notice. Object: The Site of Spanish Link permits Users to access and use various services and content made available within the terms and conditions of this Legal Notice.
Conditions for Access and Use of Site
Spanish Link provides use of the Site at no charge to Users. Nevertheless, the services it offers through the Site, directly, indirectly or through 3rd parties, are subject to the payment of fees determined in the Conditions corresponding each (please see services and fees below).
To this end, the User guarantees the authenticity of all data communicated in emails, fax, post. Likewise, the User will be responsible for maintaining all information provided to Spanish Link is up to date and in accordance with the actual situation of the Applicant. Above all, the Applicant will be the sole responsible party of false or imprecise statements made and the damage they may cause to Spanish Link or 3rd parties.
All charges and fees paid for services provided by Spanish Link are non refundable under any circumstances. Please remember that there are no guarantees that you will be granted a remortgage, mortgage or other loan
Without prejudice to other clauses herein, in the event of a breach of these terms and conditions of use by the Applicant, Spanish Link reserves the right to suspend or terminate the Agreement without notice.
Documents Required
It is at all times the Applicants responsibility to provide, where required, all documents as requested by Spanish Link, to support the mortgage application; such as wage slips, p60´s, p45´s, audited accounts, a copy of the nota simple or escritura, bank statements, your NIE/NIF certificate and passport copies.
Fees
Since inception, our policy has always been simple to understand and transparent in pricing. That means no unforeseen or hidden charges. The standard fee for obtaining a mortgage offer suitable to the application by client is 2,5% of the amount offered with a minimum of 1.500 €. This fee or other specifically agreed upon between Spanish Link and applicant is payable at notary during signing of the mortgage deed. In case applicant refrains from signing the mortgage deed after a firm mortgage offer has been made by Spanish Link and all matters have been prepared for signing and applicant has been called to appear at the notary, but fails to do so for any other reason than “farce majeur”, applicant is bound to the pay Spanish Link 50% of the standard 2,5% fee here above described or to the full fee otherwise agreed. In all cases when the applicant agrees to the assignment of the services of Spanish Link, the applicant agrees to pay Spanish Link a payment, non refundable, that is part of the fee of the total fee of Spanish Link as described here before, to be set at a minimum of 250€.
As with all mortgage applications you are in no way guaranteed a mortgage offer, and remember that your property may be at risk if you do not keep up the repayments.
Part refund of fees
The return of any fee will be paid into a Spanish bank account. If we are requested to pay the refund into an overseas bank account we will deduct the International banking charges from any refund due.
The refund is only provided on the basis that the applicant has completely assisted with the application in full by providing a completed application form, supplying the required documentation for a mortgage application and paid all charges in relation to a valuation. We cannot be held liable for failure, on the part of the applicant. If the applicant has a change of heart, or is unable to provide the documentation expected then no commitment fee will be refunded.
Valuations
Valuations are personal and must relate to the client requesting it (namely the lender).
Technology is overhauling the way in which the industry operates. Many tasks have become automated, applications and other data have been taken online and tools have been created that respond to the demands of the fast-paced, time critical nature of today's property market.
All charges and fees paid for services and/or to the intermediary mortgage broker are non-refundable under any circumstances.
Valuations can vary and this could have an adverse effect on being able to receive a mortgage offer if it's valued, for mortgage purposes, at a much lower amount. Many lenders, for commercial reasons have minimum and maximum amounts that they are prepared to lend. Lenders reserve the right (at their discretion) to reduce the the percentage of any advance against the value of the property in question. This may conflict with any earlier financial illustration provided by us and we cannot be held responsible for this decision under any circumstances.
Obligation to Make Proper Use of Site and Content
The User agrees to use the Site and its Content within the confines of the law, this Legal Notice, Conditions as applied to specific Content and other notices, rules of use and instructions made known, as well as the moral and good practices generally accepted, and in line with the keeping of public order. For this reason, the User will assume full, personal responsibility, in all possible cases, of civil and or penal actions, which are the consequence of the User's actions.
Modification and Updating of Site
Spanish Link reserves the right to modify or delete parts of the Site or information contained in these parts or modify the configuration of the Site with the objective of improving its accessibility or presentation.
Mortgage rates, Taxes, Lawyer & Notary fees, Stamp duty and Registry fees
All interest rates and monthly repayments for loans are given in good faith by Spanish Link and can vary (go up and down)) at any time. Rates quoted by us are valid for a period of 21 days. The applicant acknowledges that all errors and ommissions on our part are accepted. Interest rates may vary depending on an Applicants credit history.
Applicants should allow for additional costs such as lawyer and notary fees, stamp duty, registry taxes etc. Therefore, we always recommend that Applicants contact their own professional advisor for advice on these.
Intellectual and Industrial Property Rights
All content of the Site, to be understood for expository purposes herein as text, photographs, graphics, images, icons, technology, software, and other audiovisual or audio content, as well as the Site's graphic design and software structure, is intellectual property of Spanish Link or 3rd parties, access to which cannot be understood as the ceding to the User of any rights beyond those strictly necessary in order for the Site to be used properly. Ownership of logos, brand names or distinct signs belongs to Spanish Link or 3rd parties, access to which cannot be understood as the ceding to the User of any rights concerning the use of said logos, brand names or distinct signs. All rights pertaining to the documentation contained in each and every one of the pages that form an integral part of the Site are reserved.
Policy of Personal Data Protection and Confidentiality
Spanish Link in accordance with existing legislation, informs and guarantees you the confidentiality of your personal data, and full compliance with the Spanish law of Data Protection of a Personal Nature. Spanish Link has adopted the security measures of personal data protection required by this law, installing the technical and organizational means necessary in order to avoid data loss, inappropriate use, alteration, unauthorized access, and other possible risks.Spanish Link handles and conserves information in compliance with the secrecy requirements concerning data contained in its files in order to guarantee the proper carrying out of its services and commercial objectives. WE DO NOT SELL OR GIVE YOUR DATA TO THIRD PARTIES.
The privacy policy of Spanish Link assures the User, in all cases, the right to access, rectify, cancel and oppose, within the confines of existing legislation, directing any message of this nature to our postal address. Content and services accessed through the links to 3rd parties that Spanish Link maintains operative within its Site are not under the control of Spanish Link and therefore the company cannot be held responsible for the information offered by 3rd parties. Spanish Link reserves the right to modify or delete parts of the Site or information contained herein or modify its configuration with the aim to improve accessibility or presentation.
Legal Jurisdiction
All parties agree that the terms and conditions of this agreement shall be governed in accordance with Spanish Law and that any dispute/s arising herein will be exclusively heard in the Spanish Courts.
