hiya

Im with bancaja and i sure im on there variable rate.....so looking for a better rate than that,,does anyone know of any spanish banks doing a decent rate at the moment ?????? Jase

I use la Caixa, try this site.

http://portal.lacaixa.es/extranjeros/ex ... os_en.html

Good Luck!

Jase

best to do things like that when you are here mate as you will need to go to the notary again I would imagine. My mortgage changes yearly.

Thanks forthat guys will be looking them up

I can´t see why you would need to visit the notary though of course you have to pay his fees for changing your mortgage. The notary has to witness the exchange of deeds to the house but it´s the same house surely?
The costs of remortgaging in Spain usually outweigh the benefits unless you need to raise extra cash e.g. for starts there will be a 1.6% ( that was the figure a couple of years ago so may have changed) mortgage deed tax + notary fees.
The cajas (building societies like Caixa) have been so stung by foreigners walking away from their mortgages, that they would be very unwilling to consider a new foreign client.
Your variable rate normally will be tied to the European base rate so you need to look at the margin ABOVE the Euribor that you are being quoted not the rate itself. Also check when your annual review is as often your rate will suddenly drop a long time after the Euribor does.
So do make an appointment to talk to your bank manager when you are next over. He won´t want an empty house on his hands!