Welcome to XL Mortgages. Spanish mortgage and re-mortgage options and other mortgage markets around the world have been pushed into a somewhat difficult situation for both the borrower and the lender. Sub prime market, and of course the infamous credit crunch are to blame.

The need therefore to have expert knowledge and assistance in ensuring you are otaining the best possible mortgage or finance options available to you is now ever more paramount than before. You may be asking yourself at this time some of the following questions:-

• Which lenders are currently still lending?
• What Loan to Value can I get for purchase and re-mortgage?
• Can I beat the current terms I now have with another lender?
• Will I now get the best available and/or the most suitable terms and conditions?
• Will my application now be approved as the lenders get tough?
• How much can I now actually borrow?
• Can I now afford the repayments?
• Can I move to interest only? Can I move to Capital and interest?

XL Mortgages, are based in Spains most Southern coastal region the Costa del Sol. We are Independent, UK qualified Mortgage and Financial Advisers offering a truly independent service for the mortgage market of today. We have extensive working relationships with many lenders here in Spain and through our FSA regulated affiliates mortgage products in the UK. XL Mortgages can also offer finance solutions for many european  and worldwide countries for both established and emerging property markets.

Personal assessment and the correct budgeting is essential in the early stages to ensure the success of your intended purchase be it for private use or purely investment. XL Mortgages can offer a fully comprehensive service. Your circumstances are taken into account providing a clear picture of what is achieveable on both disposable personal income and rental income of any property that you wish to buy. XL Mortgages do not charge for Mortgage advice, so you can investigate which options are available to you without obligation.