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Private Wealth Assessment Form

Meet Howard Steel, our Premier Mortgage Consultant:
Dear client, Thank you for taking the time to complete our Private Wealth Affordability Assessment.
As you know, I advise MD Premier's HNW & UHNW (Ultra High Net Worth) clients on large property acquisitions, often requiring bespoke solutions for complex borrower structures. If this is not your case, please click here and complete our standard Affordability Assessment for a Spanish mortgage.
The form is designed to take you no longer than 10/15 minutes to complete. It will give me a good overview of your financial situation which will enable me to make my recommendations as to what I believe to be the most suitable product for you.
Should you have any questions whilst completing the form, please do feel free to contact me directly at any time.
Best wishes
Howard.

Property Details

Property details

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Are you buying in Spain or Portugal? SpainPortugal

Have you found a property yet? YesNo - expect to within 3 monthsNo - expect to within 6 monthsNo - expect to within 6-12 months +

In which area are you buying?

Purpose of property

Price (or estimated price) of property (€)

€

Mortgage required (€)

€

Term required (years) or monthly budget (€)

Types of rate preferred? Variable rateFixed rateBoth

Do you have the cash to cover the deposit plus the fees and taxes (10-13%)? YesNo

What is the source of the funds?

Other property, mortgage or financial arrangements in Spain or Portugal (please give details)

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Personal Details

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First name

Last name

Date of birth

Marital status

Do you wish to submit a joint application? YesNo

Number of dependent children

Nationality

Resident country for tax purposes

What is your first language and other languages spoken?

Preferred contact number (including dialling code!)

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Income Details

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First Applicant

Employment status

Time with current employer/ in own business / in retirement

Years

Months

Net basic monthly income (after tax)

Careful! Sometimes people get this figure wrong, and it's very important. We require your monthly figure after any deductions have been made.

Do you have any additional income? YesNo

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Debts/ExpensesDebts and Expenses

Debts and Expenses

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First Applicant

Monthly worldwide debt payments

No debts

Mortgages

Personal loans

Credit cards

Car finance

Other debt

Any monthly payments for non-debt related expenses?

Rental payments

Maintenance (following a divorce)

Private school fees

Other payments

Credit history

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Assets/InvestmentsAssets and Investments

Assets and Investments

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First Applicant

Do you own any properties worldwide (including properties in your own country and your main residence)?

What liquid assets do you have in total (cash, shares, managed funds etc)?

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Additional Services

Additional services

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Have you approached any other banks or brokers? YesNo

Important We highly recommend you contract a lawyer. Would you like a recommendation? YesNo

If you found our company directly and not via a third party or estate agent, would you like us to recommend trusted estate agents from our panel to help you source a property? YesNo

Do you require a foreign exchange service (to save money on your foreign exchange transfers)? YesNo

Do you require a Spanish bank account? YesNo

Do you require a financial adviser to go through the financial & tax implications of living or owning a property in spain? NoYes - InvestmentsYes - Tax planningYes - RetirementYes - Life/Medical insuranceYes - Car insuranceYes - Remortgage/Equity release (existing property)

How did you find us?

Please provide any additional information here to support your application

Would you like us to keep you updated about relevant mortgage news and changing mortgage conditions via our newsletters? Yes

Yes I agree that Mortgage Direct can contact me to provide me with no-obligation mortgage advice as well as general information about mortgage conditions and the mortgage process in Spain. We will respect your privacy and protect your data according to our privacy policy.

Yes We assume that the data you have provided is accurate and can be supported by the relevant documents. When we send you a no-obligation quote, our Money Back Guarantee will be based on an assessment using the information on this form. Please confirm you agree to this and have read our Terms and Conditions

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Help with your Private Wealth Assessment Form

Thank you for taking the time to complete our Private Wealth Assessment Form. We have tried to design the form so that it takes no more than 10-15 minute to complete. We understand forms can be tricky so here is some general advice to help you send us the data we need with minimum effort!

We are going to ask for income, outgoings, details of properties and more, so it might help you get that information ready before you start.
Sometimes you can choose things that open other questions. Just follow through one step at a time.
Most of the items are required. The form will show you clearly if you miss anything.
You can only move onto the next step if all the items are present and correct on the current step.
Use the button 'next' at the bottom of the form to proceed, once each step is complete.
Don't worry, you can go 'back' anytime to previous steps or contact Howard directly if you have any doubts.

What happens after I send?

I will either contact you to schedule a follow up call or send you a list of bespoke financing options that I believe will be suitable for you given the information provided.

Debt to income ratio explained

Many of the checks on this form are used to calculate your debt to income ratio which may or may not be applicable depending on the type of finance we recommend. This ratio determines what you might be able to borrow via Spanish banks. Typically, banks in Spain require you to allow around 1/3rd of your net monthly income after tax to pay for all worldwide debts and significant expenses (including the new Spanish mortgage). Private banks use different ratios but its still important that we have a good overview of your assets and liabilities for us to make our recommendations..

M:	+44 7984 166 704
M:	+34 669 694 589
P:	+34 963 156 011
E:	howard@mortgagedirectsl.com

Private Wealth Assessment Form

Private Wealth Assessment Form

Property Details

Property details

Calculation result:

Personal Details

Personal Details

Second Applicant

Income Details

Income Details

First Applicant

What is your net profit (after tax) on your personal tax assessment?

Second Applicant

What is your net profit (after tax) on your personal tax assessment?

Debts/ExpensesDebts and Expenses

Debts and Expenses

First Applicant

Second Applicant

Assets/InvestmentsAssets and Investments

Assets and Investments

First Applicant

Second Applicant

Additional Services

Additional services

Help with your Private Wealth Assessment Form

What happens after I send?

Debt to income ratio explained

Contact Howard

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Private Wealth Assessment Form

Private Wealth Assessment Form

Property Details

Property details

Calculation result:

Personal Details

Personal Details

Second Applicant

Income Details

Income Details

First Applicant

What is your net profit (after tax) on your personal tax assessment?

Second Applicant

What is your net profit (after tax) on your personal tax assessment?

Debts/ExpensesDebts and Expenses

Debts and Expenses

First Applicant

Second Applicant

Assets/InvestmentsAssets and Investments

Assets and Investments

First Applicant

Second Applicant

Additional Services

Additional services

Help with your Private Wealth Assessment Form

What happens after I send?

Debt to income ratio explained

Contact Howard