SPANISH MORTGAGE APPLICATION PACK
This is your Spanish mortgage application pack which includes all the
information you need to apply for a Spanish mortgage with us.
Your property in Spain. Your loan in the United Kingdom
BBVA is a trading name of Banco Bilbao Vizcaya Argentaria SA. Registered in England with Company No FC014702 and Branch No BR001254. Registered office One
Canada Square 44th Floor Canary Wharf London E14 5AA. Authorised by the Bank of Spain and subject to limited regulation by the Financial Conduct Authority and
Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation are available from us on
request.
WELCOME TO BBVA
BBVA provides an execution-only service in relation to mortgages. This means we will not provide you with advice on your mortgage
or recommend any mortgage to you.

BBVA offers only regulated mortgage contracts. We offer them for non-business and business purposes.

We offer only mortgages provided by BBVA London Branch.

Our mortgages include both first charge legal mortgages and second charge legal mortgages.

We offer mortgages secured on properties in the United Kingdom and in Spain.
We cannot provide you with a mortgage if it is for the purpose of consolidating your existing debts, or to purchase your home under a
statutory "right to buy" scheme or if you are in arrears on a mortgage or loan or have an outstanding County Court Judgment or similar.
You must also be aged at least 18 years and resident in the United Kingdom (or certain other EU countries) to apply for a mortgage
with us. If you do not meet these criteria then we will not be able to consider your mortgage application.
Our mortgages are subject to your credit status and our lending criteria. We will require a legal mortgage over your property in Spain
as a condition of your Spanish mortgage.
Our fees
If you proceed with the mortgage BBVA will receive the full amount of the arrangement fee. The arrangement fee will be 1% of the
amount you borrow subject to a minimum of £1,500 and a maximum of £10,000 (if your loan is in sterling) and a minimum of €2,000
and a maximum of €13,000 (if your loan is in euro). For example, if you borrow £100,000 from us, the arrangement fee we will receive
will be £1,500.
This fee will be debited to your current account with us after you have signed our binding mortgage offer letter but before you first
drawdown funds under your mortgage. The fee will not be added to the balance of your mortgage. Our arrangement fee is not
refundable if, once you have signed the mortgage offer letter, it has been debited to your account and you decide not to proceed with
the mortgage. BBVA will receive no other remuneration for providing the mortgage to you however interest will be payable on your
mortgage and fees and charges may apply for late payment.
If you are referred to us by a mortgage intermediary then we may pay them a commission, which we will tell you about at a later stage
in the European Standardised Information Sheet (ESIS).
Further borrowings
If you are looking to increase the borrowing on an existing mortgage, the following alternative finance options may be available and
more appropriate for you:

a further advance from your existing lender;

a new first-ranking legal mortgage or a second charge regulated mortgage contract which would rank behind your existing
mortgage; or

unsecured borrowing such as a personal loan.
All our mortgage terms and conditions are available on our website www.bbvauk.com. You will find a step by step guide which takes
you through the mortgage process and a section of frequently asked questions (FAQS).
We look forward to receiving your mortgage application!
Step 1
• Choose a mortgage
Our Customer selection form details the mortgage products available
to you. Simply tick the box next to the specific mortgage product you
require. You will need to return this document with the cover letter in
this section and your completed application form to enable us to
process your mortgage.
Mortgages are subject to your credit status and our responsible
lending policy and lending criteria. Your Spanish mortgage will be
secured by a Spanish law mortgage over your property in Spain. You
must be aged at least 18 years to apply for a mortgage with us.
Step 2
Step 3
Step 4
• Apply for a mortgage
• Documents required
• Send us your mortgage application form
CUSTOMER SELECTION FORM
To BBVA,
Mortgage specification
I have reviewed the range of mortgage products provided by BBVA.
I wish to take out a mortgage with BBVA on the terms set out in this letter.
(Customer please review the range of mortgage options offered by BBVA as set out in the table over the page
and consider the following factors:
-
what is the Loan To Value Ratio ("LTV") of your proposed mortgage?
-
do you want the mortgage in sterling or in euro?
-
what rate of interest and arrangement fee will apply to the mortgage?
-
whether the mortgage is available to suit your purpose.
Once you have decided what mortgage you would like to apply for please fill in the information provided below
and then tick the box next to the specific mortgage product described in the table over the page. An explanation
of terms such as "LTV" and "Base Rate" and "12 month EURIBOR" is set out in our FAQs on our website).
(1)
Purchase price or estimated value of the property to be secured by the mortgage:
£ (please fill in amount)…………………………..
(2)
Length of term of the mortgage ………………………………………. Years
(3)
Amount to be borrowed ………………………..pounds sterling / euros (delete as applicable)
Signed
-----------------------------
-----------------------------
Name:
Name:
Date ……………………………………
Once you have signed and completed this letter please return it to us together with the
attached table showing the mortgage product you wish to specify. You have the right to
request a European Standardised Information Sheet (ESIS) for any of our mortgages for
which you are eligible.
CUSTOMER SELECTION FORM
STERLING MORTGAGES
Loan To
Value
Ratio
Currency
Mortgage
amount
Up to 70%
LTV
Sterling
£120,000
Up to 70%
LTV
Sterling
Over
£120,000
Arrangement
Fee
Type of
mortgage
Annualised
Percentage
Rate Charge
1.75% + Base
Rate variable
1.5% of
amount
borrowed
min £1,500
Repayment
mortgage
2.7%
APRC
1.50% + Base
Rate variable
1% of amount
borrowed min
£1,800 max
£10,000
Repayment
mortgage
2.4%
APRC
Interest Rate
Arrangement
Fee
Type of
mortgage
Annualised
Percentage
Rate Charge
Interest Rate
Tick box to
select mortgage
product
EURO MORTGAGES
Loan To
Value
Ratio
Up to 70%
LTV
Up to 70%
LTV
Currency
Mortgage
amount
Euros
€150,000 or
less
1.75% +12
month
EURIBOR
variable
1.5% of
amount
borrowed
min €2,000
Repayment
mortgage
2.3%
APRC
Euros
Over
€150,000
1.50% +12
month
EURIBOR
variable
1% of amount
borrowed min
€2,250 max
€13,000
Repayment
mortgage
1.9%
APRC
Tick box to
select mortgage
product
Representative example
A mortgage of £131,670 payable over 20 years at a variable interest rate of 2% per annum would require 240 monthly
payments of £666.10. The total amount payable would be £167,087.10 made up of the loan amount plus interest plus £1,500
arrangement fee plus £2,671.51 estimated bank account fees.
2.7% APRC
Current account with BBVA Spain and BBVA UK and building insurance required as a condition of the mortgage.
Additional mortgage-related fees, taxes and charges will apply and which have not been included in the APRC calculation. Based on a
typical Spanish mortgage, these additional fees, taxes and charges are: estimated valuation fee £279.46; estimated Spanish agent
administration fee £269.98; estimated mortgage document tax (actos juridicos documentados) £1,902.45; estimated mortgage
registration fee £286.54; and estimated mortgage discharge fee £313.16. Amounts in euro have been converted to sterling based on an
indicative exchange rate of €1 to £ 1.2773. These estimated fees, taxes and charges are for illustrative purposes only. The actual cost
will vary depending on the value, type and location of your Spanish property, and the amount you borrow.
You may ask us for a European Standardised Information Sheet (ESIS) for any of our mortgages for
which you are eligible.
YOUR SPANISH PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR
MORTGAGE. IF YOUR MORTGAGE IS IN EURO CHANGES IN THE EXCHANGE RATE MAY INCREASE THE
AMOUNTS PAYBLE BY YOU.
Step 1
• Choose a mortgage
Step 2
• Apply for a mortgage
You will need to complete our mortgage application form if you wish to
apply for a mortgage. If there are more than two applicants please
complete a further application form
Step 3
Step 4
• Documents required
• Send us your mortgage application form
MORTGAGE LOAN APPLICATION/SOLICITUD DE PRÉSTAMO HIPOTECARIO
Term of Mortgage
Applicant(s)*
Purpose of Mortgage
Amount of Borrowing
(if resident at different addresses, each should complete separate form)
Title
Surname (s)
Forename (s)
Address
Telephone No.
Home:
Office:
e-mail:
Sex
Date of Birth
Occupation
Planned age
of retirement
Nationality
1)
2)
3)
Applicant 1
Applicant 2
Please confirm how many years you have been living in the UK:
Please confirm how many years you have been living in the UK:
....................................................................................(years/months)
Do you require a work permit/visa to be employed in the UK?YES / NO
If yes, please stipulate type of visa and expiry date: ......................................
……………….......................................................................(years/months)
Do you require a work permit/visa to be employed in the UK?YES / NO
If yes, please stipulate type of visa and expiry date: ......................................
How did you hear about us? ________________________________
Tick your preferred branch
Canary Wharf
Eastcheap
Knightsbridge
Vauxhall
Present Bankers:
Name & address of Bank/Building Society
Account
No:
Current
Deposit
Your Marital Status
Surname(s) & name of spouse / partner
(if not joint applicant)
Single
Married
Widowed
Divorced
No of Dependent
Children
Oldest
Youngest
If less than 3, previous address
and number of years lived there
Years at present address
Occupational Status of Applicant 1
Name & Address of employer
A) Employees:
Years employed
No of
Dependent Adults
Age of
Position held
Address of previous employer
If less than 3 years, name of previous employer
Years employed
Position held
B) Self employed or professional
Occupation
Number of years
Place of work
Name & Addresses of principal client firms
*If there are more than 2 applicants specified in this mortgage application please use another mortgage application form to fill in the details of income for the other applicants
Occupational Status of Applicant 2
A) Employees:
Years employed
Name & Address of employer
Position held
If less than 3 years, name of previous employer
Address of previous employer
Years employed
Position held
B) Self employed or professional
Occupation
Number of years
Place of work
Name & Addresses of principal client firms
STATEMENT OF MONTHLY INCOME
Type of income
Annual Gross Income
Monthly net income (after deduction of PAYE or other
income tax and after deduction of NI contributions
and any pension contributions). Include any regular
overtime payments received in the last 3 months. Do
not include any discretionary bonus or nonguaranteed employment income.
Guaranteed bonus income (specify if annual or
monthly)
State benefits and allowances eg disability living
allowance, employment benefits, other living
allowances, carer's benefit, child benefit, working tax
credits.
If you are self-employed eg a contractor, sole trader or
partner in a business partnership please specify the
gross monthly income received by the
company/partnership/sole tradership business (before
deduction of taxes and expenses)
If you are self-employed and you would like us to
consider your projected future income as part of this
mortgage application please provide an estimate of your
business income and expenses for the next 12 months
and a business plan supporting your projections.
If you are self-employed please specify the net
monthly income received by you personally from your
business eg an employee salary from your business
(after deduction of PAYE or other income tax and after
deduction of NI contributions and any pension
contributions) or the net monthly (or annual)
distribution of partnership income paid to you
personally (after deduction of income tax)
Monthly directors' fees received
Gross monthly rental income from investment
properties/buy to let properties including estimated
gross monthly rental income from any investment
property funded by the mortgage under this
application
Applicant 1
Applicant 2
Amount received per month
(unless specified otherwise)
Amount received per month
(unless specified otherwise)
£
£
Gross dividends from shares (specify if annual
dividend)
Gross monthly income from investments and savings or
deposit accounts (including ISAs). Do not include
pension income unless you have reached retirement age.
Other income (eg lump sum payments received as a
gift, royalties from artistic works). Please explain the
nature of the income and provide evidence of the
income eg bank statement showing the payment of
the income into you bank account.
Have you ever had a County Court Judgment?
Yes
No
Have you ever been subject to an Individual Voluntary Arrangement?
Yes
No
Have you ever been bankrupt?
Yes
No
Have you ever had a property repossessed?
Yes
No
Have you ever had a default registered?
Yes
No
Have you ever been declined for a mortgage?
Yes
No
STATEMENT OF MONTHLY EXPENSES
Type of expenditure
Committed expenditure
Total amount of any existing mortgage payments (per
month)
Will this mortgage be refinanced by the BBVA
mortgage that you are applying for? State Y or N
Total amount of any existing personal loan
repayments (per month)
Will this loan be refinanced by the BBVA mortgage
that you are applying for? State Y or N
Total amount of your credit card debts (if any) as at
the date of this mortgage application
Total amount of your overdraft debt as at the date of
this mortgage application
Total amount of your store card debts (if any) as at
the date of this mortgage application
Total available limit on your credit card and store
cards
Total amount of any regular and ongoing divorce
settlement payments (eg ongoing alimony or spousal
maintenance payments or child maintenance
payments).
State the date on which the divorce settlement
payment and/or child maintenance payment ends (if
known)
Total amount of any hire purchase payments or other
financial commitments eg car loan
For rental income from an investment property specify
the monthly agency fees (if any)
For self-employed applicants specify any corporation
tax, income tax and NI contributions not deducted
from gross income specified above
For income from investments and savings or deposit
accounts (including ISAs) specify any tax deducted
from such investments or savings or deposit not
deducted from gross income specified above
Any other contractual financial commitments
Basic household expenditure
Total amount of housekeeping expenditure (eg food
and washing expenses) per month
Total amount of gas, electricity and other heating per
month
Total amount of household water bill per month
Total amount of landline telephone bill per month.
Do not include your mobile phone bill, broadband
and any TV, phone and broadband package in this
section
Total monthly council tax payments
Total monthly buildings insurance premiums including
any household and contents insurance
Total monthly amount of ground rent and service
charge payments for a leasehold property
Applicant 1
Applicant 2
Amount paid per month
(unless specified otherwise)
Amount paid per month
(unless specified otherwise)
£
£
Total amount of essential travel expenditure per
month (eg travel costs to work and school but not
including leisure travel expenses)
Quality of living expenses
Total amount of monthly expenditure on clothing
Total amount of monthly expenditure on household
goods eg furniture and appliance purchases, repairs
and warranties
Total amount of monthly expenditure on toiletries
Total amount of monthly expenditure on TV (including
TV licence), recreational activities, non-essential
transport costs, mobile phone bills, TV broadband
package
Total monthly expenditure on childcare costs
Please provide the following documents evidencing your expenditure:
• latest annual mortgage statement
• latest annual personal loan or hire purchase or other loan (eg car loan) statement
• latest credit card and store card bill
• last 3 months' bank statements for any bank account with an authorised or pre-arranged overdraft facility or unauthorised overdraft debt (unless your account
is with BBVA in which case please provide just your BBVA account number)
• copy of court order or settlement agreement showing any ongoing divorce settlement payments or child maintenance payments
• last 3 months' bank statements showing your basic household expenditure and quality of living expenses (unless your account is with BBVA in which case please
provide just your BBVA account number).
Please describe any future changes to the income and expenses specified above (eg have you resigned from your job or do you intend to resign from your job in
the next 12 months? Have you been made redundant from your job? Do you intend to sell any property or investment to repay any of your existing debts?)
............................................................................................................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................................................................................................
Address of property to be mortgaged under this application:
..........................................................................................................................................................................................................................................................................(if different from address above
House
Year built:
Flat
Leasehold – State years unexpired ............................................
Freehold
................................................................................................................................................
Is (or will be) any part of the property
occupied by anyone other
than applicants?
Number of bedrooms:
........................................................................................................................................................................................
Amount insured under Buildings Insurance Policy £
Yes
No
....................................................................................................................
If yes, give details (if the property is occupied by a member
of your family (eg husband, wife, civil partner or live-in partner,
parent, grandparent, sister, brother or child) please specify)................................................................................................
Purchase price
£
Deposit Amount
£ .........................................................
Deposit Source
£
Amount of borrowing
£ .........................................................
Loan to Value
....................................................... %
.........................................................
.........................................................
For remortgages only:
Date of purchase
.....................................................
Purchase price £ .....................................................
Present Value £ .....................................................
STATEMENT OF ASSETS
Description of assets (eg properties owned, cars, shares bonds, investments, deposits etc)
Value £
Charge or liability secured on the asset
CATEGORY
ANSWER
(circle correct answer
or respond as relevant)
SUBSEQUE
NT
QUESTION
ANSWER
(circle correct answer or
respond as relevant)
First time buyer(s)
Yes/No
Is the property a
newly built property?
Yes/No
Home mover (s) (2nd or
subsequent home purchase)
Remortgagor(s)
Yes/No
Is the property a
newly built property?
Yes/No
Yes/No
Amount outstanding
under your existing
mortgage:
Amount of the new mortgage:
If the new mortgage is larger
than the previous mortgage:
£ ………………………………...................................
Amount of extra money that you intend to withdraw
£
What is the purpose of extra money
withdrawn for remortgage?
Home improvements
Debt consolidation
£ ………………………………...................................
Both home improvements
and debt consolidation
………………………...................................
Other – Please specify:
................................................................
Other (please specify)
.........................................................
NA
NA
Persons or companies from whom references can be obtained (other than Bank / Building Society)
Name:
Address:
Occupation:
Telephone No:
(Daytime)
Persons or companies from whom references can be obtained (spouse)
Name:
Address:
Occupation:
Bankers:
We may need to send you important information about the terms and conditions of your mortgage. If you agree to receive such information by e-mail please provide your
e-mail address in the space below:
Email Address (Applicant 1) ..............................................................................................
Email Address (Applicant 2) ..............................................................................................
How we will use your personal information
When you sign this mortgage application form and return it to us it means you will be making a formal application for a mortgage from us.
We will consider your mortgage application in accordance with our responsible lending policy and creditworthiness and affordability
assessments. We are not obliged to lend to you if you do not meet our lending criteria.
When we assess your mortgage application we will take into account all the information you have provided us on this form together with
Personal Information specified below:
• personal and financial information we already hold about you, including information you tell us on other banking product application forms
and during financial reviews and interviews, analysis of the transactions you carry out, and what we know from operating your accounts;
• information we receive from enquiries we make so we can make a decision on this application, or from any agreement you enter into with
us or any member of the BBVA Group;
• information we receive from searches made by us or on our behalf, or on behalf of any member of the BBVA Group in your name with credit
reference and fraud prevention agencies and insurance claim registers;
• if applicable, information about any account which you, or any member of your household, holds with BBVA, including previous and
subsequent names of parties to the account and how you manage such accounts;
• information we receive from anyone who is allowed to give us, or any member of the BBVA Group, information about you; and
• any telephone number you call us from, which number we may record.
BBVA Group means BBVA, its subsidiaries, associated and affiliated companies at any time.
We will process and record your Personal Information (including by way of storage on any BBVA Group database) and may sometimes use a
credit scoring or other automated decision-making system to do so. We will keep the Personal Information about you after the closure of your
account, or if your application is declined or abandoned for only as long as we need to for legal, regulatory, fraud prevention and legitimate
business purposes or are allowed to by law. You may ask for a copy of the Personal Information that we hold about you by writing to the
Compliance Department, BBVA, One Canada Square, London E14 5AA. There will be a fee charged for this service.
We will use Personal Information, including details of your transactions, to:
• assess any application for credit or other financial or related services or products you make;
• manage your accounts and make decisions on questions about any application, agreement or correspondence which you may have with us;
•
•
•
improve the services we offer by using it for research and statistical analysis;
to comply with our regulatory reporting obligations; and
for such other purposes for which you give your specific permission, or in very limited circumstances, when required by law in any country
or where permitted under the terms of the Data Protection Act 1998.
Companies within the BBVA Group and any service providers who we may duly authorise to act on our behalf for the provision of particular
products or services we may offer you or give you information about from time to time, and may use and update this centrally held information
(i) to provide you with services and benefits,
(ii) to contact you by letter, telephone, text (or similar) messages, e-mail and other electronic methods, about other products and services which
such companies have identified might be of interest to you (unless you tell us at BBVA, One Canada Square, London E14 5AA or in your bank
account application form that you prefer not to receive direct marketing), (iii) to recover debts, (iv) to prevent and detect fraud (v) for other
financial crime prevention and detection purposes and (vi) to update their own records about you. When you apply for a bank account with us
we will ask you to tell us if you do not wish to receive such information about our products and services.
In order to process, record and use Personal Information, we may reveal it to any of the following:
• any person working for us (including any member of the BBVA Group) for any of the purposes stated above;
• any guarantor of any agreement between you and us;
• any person we transfer any of our rights or duties to under any agreement we may have with you;
• credit reference, fraud prevention, regulatory authorities, law enforcement and debt recovery agencies, and other organisations
including other financial institutions; and
• anyone you authorise us to give Personal Information to.
When assessing your application and managing your borrowing with us, we may use automated decision making systems. You agree that when
making credit decisions we may make searches at credit reference agencies, including information from the Electoral Register and other public
sources. Our searches will be recorded by the credit reference agencies. We may disclose to the credit reference agencies how you have run
your accounts which you hold with us or any member of the BBVA Group, including information about any payments you have missed and any
previous and subsequent names of parties to the accounts.
We may check your details with fraud prevention agencies. It is important that you give us accurate information. If you give false or
inaccurate data and fraud is identified details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this
information.
To enable financial institutions to form an accurate view of the existing financial commitments of customers, credit reference agencies may
link the records of ‘financial associates’ (such as husbands and wives, co-habitees or family members) who have entered into joint financial
obligations. Once linked, this ‘association’ means that each of the records will be taken into account in all future applications for credit by
either ‘financial associate’ and will continue until one of them successfully files a ‘disassociation’ with the credit reference agencies by
establishing that this financial link no longer exists. Information held about you by the credit reference agencies may already be linked to records
relating to one or more of your ‘financial associates’. If so, for the purpose of any application for products or services which may involve you
borrowing from us you may be treated as financially linked and consequently your application will be assessed with reference to any ‘associated’
records.
We and other organisations may access and use credit reference agency and fraud prevention agency records about you together with any
‘associated records’ (as described above) to help make decisions about you and them, if applicable, and to prevent fraud and money
laundering for example when:
• checking details on applications for credit and credit related services and to manage your accounts or those of members of your
household;
• prevention, detection and prosecution of fraud and other crimes, debtor tracing and debt recovery;
• checking your identity to help prevent money laundering unless you furnish us with other satisfactory proof of identity;
• making decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your
household.
The searches may be seen or used by other financial institutions to assess your ability to get credit. The credit reference and fraud prevention
agencies may also use Personal Information for statistical analysis about credit and insurance fraud. If you ask, we will tell you which credit
reference and fraud prevention agencies we have used so you can get a copy of your details from them as you have a legal right to this
information.
In order to process, use, record and release Personal Information we may pass your information outside the United Kingdom to other countries
which may be situated outside of the EEA. It is our responsibility to make sure that your Personal Information continues to be protected
during this type of transfer. We and other organisations may access and us from other countries in the information recorded be fraud
prevention agencies.
This is our standard client declaration and terms and conditions upon which we intend to rely. For
your own benefit and protection you should read these terms and conditions carefully before signing
this form. If you do not understand any point please ask for further information.
I hereby apply for a mortgage on the information provided above. I confirm that the information I have provided in this application form is true,
accurate and up to date in all material respects. I acknowledge and agree that BBVA in its discretion may decline my application and that it
may use my Personal Information in the manner described above.
In submitting this form you agree that you wish to apply for a Spanish mortgage and that we may use the information you have
given us in this form, for the purposes and in the way described above.
To submit this form, there is no need to print it out. Please type your name in the boxes marked below and send the completed
form to us by email to [email protected]. In sending this form to us by email, you are electronically signing this
application form.
Print name (Applicant 1)
Print name (Applicant 2)
Your home or other property may be repossessed if you do not keep up repayments on your mortgage.
Please let us know if you would like this information in Braille or large print or in an alternative
format to enable you to understand it.
We may record or monitor telephone calls and monitor electronic communications between us so that we can check instructions
and make sure that we are meeting our service standards
Lending is subject to your credit status and our responsible lending policy. You must be aged at least 18 years to borrow from us. We usually
consider mortgages of up to 8 5 % of the Loan to Value Ratio ( “ L T V ” ) of your property f o r a U K m o r t g a g e a n d u p t o 6 0 % L T V
f o r a S p a n i s h m o r t g a g e o r a p i l o t t r a i n i n g l o a n , i n e a c h c a s e subject to our lending criteria.
BBVA is a trading name of Banco Bilbao Vizcaya Argentaria, S.A. Registered in England with Company No. FC014702 and Branch No. BR001254. Registered office: One Canada Square,
44th Floor, Canary Wharf, London E14 5AA. Authorised by the Bank of Spain and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.
Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from us on request.
Step 1
Step 2
• Find a mortgage
• Apply for a mortgage
Step 3
• Documents required
Details of how and where to send your completed application form,
supporting documents and customer selection pack
Step 4
• Send us your mortgage application form
DOCUMENTS REQUIRED
Please provide the following documents in support of your mortgage application:
Proof of deposit (if available at the date of application)
If you are an employee:





latest P60
last 3 months' payslips
last 3 months' bank statements showing your salary paid into your bank account (unless your account is with
BBVA in which case please provide just your BBVA account number)
if you income includes any guaranteed bonus please provide a copy of your contract of employment showing the
guaranteed nature of the bonus
if you are employed on a fixed term or temporary contract please provide the original or a copy certified by
a solicitor or BBVA account manager as a true copy, of your contract of employment showing at least 2
months remaining on the term of your employment.
If you receive state benefits:

a copy of the last 3 months' bank statements showing your benefit paid into your bank account.
If you are self-employed:
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(if applicable) your latest company or partnership audited annual accounts or unaudited accounts accompanied by
a letter from your auditor confirming that the unaudited accounts have been prepared by them. The most recent
audited or unaudited accounts must not be dated more than 18 months before your mortgage application. You
must also provide the last 12 months' bank statements for your company/partnership's bank account (unless the
account is with BBVA in which case please provide just the BBVA account number)
(if you are an employee of your company or a partnership) latest P60, last 3 months' payslips and last 3 months'
bank statements showing your salary paid into your bank account (unless your account is with BBVA in which
case please provide just your BBVA account number)
(if you receive directors' fees from your or another company) bank statements for the relevant period showing
the directors fee paid into your bank account (unless your account is with BBVA in which case please provide
just your BBVA account number)
(if you are a business partner) last 12 months' bank statements showing the distribution of partnership income paid
into your bank account (unless your account is with BBVA in which case please provide just your BBVA
account number) and your latest partnership audited annual accounts or unaudited accounts accompanied by a
letter from your auditor confirming that the unaudited accounts have been prepared by them. The most recent
audited or unaudited accounts must not be dated more than 18 months before your mortgage application. You
must also provide the last 12 months' bank statements for your partnership's bank account (unless the account is
with BBVA in which case please provide just the BBVA account number)
a copy of your latest self assessment tax return.
For rental income from a property:
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the original or a copy certified by a solicitor or a BBVA account manager as a true copy, of the lease or tenancy
agreement and last 3 months' bank statements showing the rental income paid into a bank account (unless the
account is with BBVA in which case please provide just the BBVA account number)
For dividends from shares:
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bank statements for the relevant period showing the dividends paid into your bank account (unless your account is
with BBVA in which case please provide just your BBVA account number)
For income from investments and savings or deposit accounts including ISAs:
Bank or fund statement showing the distribution of the income from the investment/savings/deposit and the
balance of the investment/savings/deposit account within 3 months of the date of your mortgage application.
Lending is subject to your credit status and our responsible lending policy and lending criteria.
Step 1
Step 2
Step 3
• Find a mortgage
• Apply for a mortgage
• Documents required
• Send us your mortgage
Step 4 application form
You are nearly there………….
Your application form, supporting documents and customer selection pack can be sent by
either email or post.
email your application to :
[email protected]
post your application to:
BBVA
Spanish Mortgage Department
One Canada Square
44th Floor
Canary Wharf
London
E14 5AA
BBVA is a trading name of Banco Bilbao Vizcaya Argentaria SA. Registered in England with Company No FC014702 and Branch No BR001254. Registered office
One Canada Square 44th Floor Canary Wharf London E14 5AA. Authorised by the Bank of Spain and subject to limited regulation by the Financial Conduct
Authority and Prudential Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and Prudential Regulation are
available from us on request.