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Payment and pricing

Read about the variety of payment options offered by Mortgage Direct, the pricing of our services, the post-payment procedure and our refund and cancellation policy.
 

Pricing
Payment methods
Post-payment procedure
Refund and cancellation policy

Pricing

  • No fee for quotes

    Mortgage Direct does not charge for initial quotes – we charge an initial fee (the Administration Fee) only once you decide to proceed with a formal application. All advice given up until you decide to proceed with a formal application is provided free of charge and there is no obligation to use our services.

  • Administration fee

    Fee of €495 payable if you decide to proceed with a formal application. This fee has a money-back-guarantee (see our refund and cancellation policy). The Administration Fee covers our services up until you actually purchase a property. It can cover multiple applications with different banks or for different properties. It does not have an expiry date either, so we only charge it once.

  • Arrangement fee

    Fee payable on approval for arranging a mortgage. The standard amount is 0,5% of the
    mortgage amount (minimum €1.000), which is payable on approval. For larger mortgage amounts, depending on the work involved, this fee may be negotiable.

Payment methods

Mortgage Direct accepts a variety of payment methods. Click on a payment method below to learn more:

 

bbva Bank transfer to Spain
Barclays-Bank Bank transfer to UK
paypal Paypal
Credit or debit card payment Credit or debit card payment
 

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Post-payment procedure

Following receipt of payment or proof of payment:


  • Mortgage Direct confirms the recommended bank (or banks) and either connects you with them directly or deals with them on your behalf to commence the process of applying formally for the mortgage
  • You will continue working with our advisers, also directly connected with the bank and we will be at your disposal at any time until completion of the mortgage
  • On approval of the mortgage, the Arrangement Fee is to be paid within 7 days

Refund and cancellation policy

  • A client can choose to withdraw from the application process at any time and should do so in writing to Mortgage Direct.
  • Once a client has signed the ‘Terms and Conditions’ document and arranged payment of the Administration Fee of €495, they have appointed Mortgage Direct to oversee their mortgage application(s). From this point, this fee is only refunded under certain conditions.
  • Under the conditions of the money-back-guarantee, the Administration Fee is refunded if Mortgage Direct is not able to find a suitable mortgage. A suitable mortgage is one where the conditions match or are better than those quoted when the request for payment is made.
  • If the lender provides a mortgage approval that does not match the quote provided prior to the client signing up with Mortgage Direct, and the client confirms they wish to proceed with the mortgage offered by the lender, that mortgage offer is then considered to be a suitable mortgage.
  • Other circumstances where the Administration Fee would not be refunded are:
    • If the client or the seller withdraws from the sale
    • If the valuation of the property is lower than the agreed price and this prohibits the client from borrowing the full amount requested, which in turn prevents them from completing the purchase
    • If it transpires that the property the client is buying has been built illegally or has not been not fully or correctly registered and this prevents the purchase from going ahead
    • The client has provided false or incorrect information to Mortgage Direct and the lender
      declines the mortgage as a result of this

 

bbva Bank transfer to Spain
Barclays-Bank Bank transfer to UK
paypal Paypal
Credit or debit card payment Credit or debit card payment
 

 

Mortgage Direct payment – bank transfer to Spain

payment

To pay to our Spanish business account in euros

Beneficiary: Mortgage Direct SL
Bank: Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
Swift/ BIC: BBVAESMM
IBAN Number: ES15 0182 0504 5802 0168 2789
Bank address: Plaza Ciudad de Brujas, 3
46001 Valencia
Valencia
España
Spain

 

 

Currency Converter

 

bbva Bank transfer to Spain
Barclays-Bank Bank transfer to UK
paypal Paypal
Credit or debit card payment Credit or debit card payment
 

 

Mortgage Direct payment – bank transfer to UK

payment

To pay to our UK business account in UK sterling

Beneficiary: Mortgage Direct International Limited
Bank: Barclays Bank
Swift/BIC: BARCGB22
IBAN: GB22 BARC 2085 4633 1777 18

 

For transfers within the UK:

Sort code: 20-85-46
Account number: 33177718
Bank address: 59 High Street Newport Shropshire TF10 United Kingdom

 

Currency Converter

 

bbva Bank transfer to Spain
Barclays-Bank Bank transfer to UK
paypal Paypal
Credit or debit card payment Credit or debit card payment
 

 

Mortgage Direct payment – paypal

payment

Paypal

When you place an order with PayPal you will be redirected to the PayPal website. There you will then need to login with your PayPal username and password. Before completing the order, check whether the total amount and billing details are correct.

 

As a gesture of goodwill, Mortgage Direct has agreed to share the charges with you.

 

Even if you are not an existing PayPal customer, you can choose this payment method and either set up a new account or pay as a guest.



or any other amount you wish to pay please pay through donate button


 

bbva Bank transfer to Spain
Barclays-Bank Bank transfer to UK
paypal Paypal
Credit or debit card payment Credit or debit card payment
 


 

Credit and debit card

When Mortgage Direct charges your account

When you make a payment, Mortgage Direct will contact your credit or debit card’s issuing bank to confirm it is a valid account. We will request an authorization, which holds the funds for the full or partial purchase amount. Authorized funds will be unavailable from this point and may display as ‘pending’ on your credit or debit card’s online statement.
 
The safer, easier way to pay credit and debit card -  online!

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