SparksResearch & insight
One line in your Spanish mortgage decides the rest. I read the original and tell you what it does.
Send me a photo or scan of the page in your Spanish mortgage contract that worries you. I read it in the Spanish original, not a translation, and send back a short written memo in plain English: what the clause actually says, what it likely does to your payment, and the three changes I would ask the bank for. Built on the clauses that have moved money in Spanish courts: the floor clause (clausula suelo), IRPH, all-costs (gastos), late-payment interest, and the 360-day arithmetic. I am not a lawyer and this is not legal advice or a prediction of any court. What you get is the page read straight, in the language it was written in.
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