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Mortgage Direct in Barcelona: Meet Stuart Payne

Mortgage Direct in Barcelona

Ahead of Mortgage Direct’s visit to Barcelona: Meet mortgage adviser Stuart Payne

I remember a morning in May last year – day 53 of the first lockdown – cycling through the streets of Barcelona past the Arc de Triomf when the few of us that were out only had until 10am before we all had to be back inside again. We have come a long way since then, although it may not feel like it all the time and we do still have some way to go. But I cycled that same route just the other day and the city felt alive. Barcelona is buzzing again – the bars, the shops and the restaurants. And the property market is no different.

Despite this past year of uncertainty, house and apartment sales in Barcelona have been booming. I spend a lot of time at my computer, of course, but when possible, I also spend time out and about visiting Estate Agents and recently their offices have frequently been empty. I used to wonder where they all were, was this a result of the pandemic? were they now all working from home?  But as they say, the money is on the streets, and they are out getting deals done.

Beautiful Barcelona

Barcelona is undeniably beautiful, even more so from the sky. If you’ve not done it before, try Googling ‘Eixample from above’. The geometry is spectacular but it is also a fantastic place in which to live, a city which offers something to everyone. Not only its extraordinarily satisfying architecture, but also its surrounding areas. To the north, the Costa Brava and the Pyrenees are a short drive away with hotspots like Sitges and Castelldefels in the opposite direction. We are truly spoilt for choice here and it is no wonder that the city has become one of the most exciting hubs in Europe.

Mortgage Direct more present than ever in Barcelona

Mortgage Direct remains the broker to go to in all of Spain if you are looking to finance a property, and Barcelona is no different. With more boots on the ground in this city than ever before, we are expanding and improving our contact base with all the high street lenders and as a result some of the conditions we are currently achieving for our clients, both resident and non-resident, are surprising even ourselves they are that good. It is a brilliant time to buy.

Properties buyers from all over the world with Barcelona mortgage enquiries

We continue to see a range of clientele invest in the city, with Barcelona mortgage enquiries from Brazil to Qatar. During 2020 Mortgage Direct helped clients of more than 14 nationalities buy in Barcelona. Around a quarter of these were already living in Spain, with US and UK residents making up around a third. The graphs below show the range of nationalities and home countries of our clients coming to this city. A new mortgage law in Spain means some currencies are not accepted by certain lenders, but our advisers have access to the full mortgage market and we are finding solutions to these restrictions every day.

We’re here to assist. Meet us in Barcelona or enquiry for mortgage online

As always, we are here to assist with the application process, however big or small the mortgage, so if you are thinking of moving to Barcelona, or simply investing in the city, please get in touch. And hopefully, by the time you get the keys, this place will truly be back to its best.

If you want to know more about me, you can read my Adviser newsletter here.

Stuart Payne Mortgage Adviser CeMap

Barcelona based, Stuart previously workled as a mortgage adviser at one of the UK's largest brokers where he recommended products and insurance from the whole of the UK market. He holds the regulatory CeMAP qualification and more.

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Mortgages taken out in currencies other than the currency in which you earn are considered Foreign Currency Mortgages. Changes in the exchange rate may therefore increase the equivalent value of your debt. Under the Mortgage Law 5/2019 banks in Spain have introduced mechanisms to protect consumers from exchange-rate risk. For more information, please speak to your broker.

Mortgage Direct, S.L. is a company registered in the Registro de Intermediarios de Crédito Inmobiliario del BdE with the nº D108.

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