Caixa Bank have announced today (12 November 2018) ZERO mortgage fees for purchasers.

They have axed

  • Valuation fees
  • Mortgage Arrangement Fees
  • Land Registry and Notary Fees (for the mortgage only)
  • Stamp Duty on the Mortgage

These fees will now be absorbed by the bank.

Caixa New Mortgages offer

80% Loan to Value for Residents, for their main home

70% Loan to Value for Non-Residents

Interest Rate Fixed for 25 years (Residents) or 20 years (Non-Residents) at 3.95%.

The interest rate can be reduced by up to 1.2% by taking up Caixa products such as Home and Life Insurance and paying utility bills from the account.

Caixa can now give their clients pre-approval within 48 hours of returning the Mortgage application form and an English speaking point of contact at Hola Bank.

This bold move could save 3.000euros on a 50.000euro mortgage in the arrangement and set up costs of the mortgage.


Murcia Villas SL for themselves and for the owner of the property whose agents they are give notice that:

  1. 1. These particulars do not constitute any part of an offer or a contract.
  2. 2. All statements contained in these particulars are made without responsibility on the part of Murcia Villas SL.
  3. 3. None of the statements contained in these particulars are to be relied upon as a statement or representation of fact.
  4. 4. Any intending purchaser must satisfy himself/herself by inspection or otherwise as to the correctness of each of the statements contained in these particulars.
  5. 5. The owner does not make or give and neither do Murcia Villas SL nor any person in their employment has any authority to make or give any representation or warranty whatever in relation to this property.
  6. 6. Where every attempt has been made to ensure the accuracy of the details contained here, measurements of doors, windows, rooms and any other items are approximate and no responsibility is taken for any error, omission, or mis-statement. These details are for illustrative purposes only and should be used as such by any prospective purchaser. The services, systems and appliances shown have not been tested and no guarantee as to their operability or efficiency can be given.
  7. 7. Prices are quoted in euros, working with a conversion rate of 1.10 euros to the pound, discrepancies may occur in prices for holiday accommodation due to currency fluctuations.