Spanish mortgage floor clause claim

A Spanish mortgage floor clause claim may be made on two bases: mortgage constitution costs and abusive floor clauses in mortgage contracts.

Spanish mortgage floor clause claim

Abusive Mortgage Terms Relating to Costs

A Spanish Supreme Court decision of 23rd December 2015 ruled that it is the banks, and not the client, who are liable to pay for various costs relating to the setting-up of a mortgage.

This applies to items such as notary fees, registration costs, court document taxes and associated administration costs, and can amount to a total of around €2,000 on an average mortgage.

The ruling means that any mortgage holder who paid these costs on the instruction of their bank may now be compensated.

Clausulas Suelo (Floor Clauses)

It’s highly probable that the European Court will soon confirm the statement made in July by its Advocate General that permits victims of abusive floor clauses to reclaim these payments from May 2013.

In any case, regardless of what the European Court decides, this can amount to a considerable sum, and it is obvious that many victims aren’t even aware they were bound to an abusive floor clause.

They believe their banks when they tell them they’ve got rid of the clause, which may be true, but doesn´t remove the bank’s liability before that date.

How to find out if you are entitled to reclaim money?

The banks have no obligation to contact clients to give them their money back, so you have to start the legal process.

We urge all clients with a mortgage to bring us their documents, because we can ensure that your bank pays back excess interest payments, as well as the costs incurred when you signed the mortgage.

We’ll study your documents free of charge to ascertain whether a claim can be made. And there are many claims to be made – abusive floor clauses were applied by several banks in the Canaries.

We continue to achieve excellent results and considerable awards for our clients, especially against entities such as Banco Sabadell, SolBank, Banca March, Banco Popular, Bankia, Credifimo, Abanca and Caixa.

It doesn’t matter whether the floor clause was hidden in the small print or whether it was printed in bold capital letters – the important issue is that, in almost all cases, the bank failed to explain the implications of the clause to clients, what it exactly meant and what the financial consequences could be.

Other types of unfair terms in mortgages

We also encourage those clients who may not be subject to a floor clause, but who did not sign at the time confirming that the Euribor would be the reference for interest rates; but instead signed up for other references such as the IRPH or multidivisa. In fact, these types of interest rate can also be annulled with huge economic advantages for the client.

Finally, anyone who has signed a mortgage contract, including those who repaid it in full less than four years ago, as the right to reclaim the majority of the expenses that they paid for the constitution of the mortgage. In other words: the notary fees, registry costs, administration and taxation fees etc.

All of this is permitted due to the abusive practice of attributing all the costs to one party when both parties – bank and client – are beneficiaries of the mortgage contract given that the buyer not only obtains finance for his or her property purchase, but the bank also gains from the interest rates on the mortgage.

For this reason, the fact that clients have paid all costs without having been given the opportunity to negotiate this has been ruled as abusive by Spanish courts, and clients have the right to reclaim. For all of these reasons, it makes sense to contact us with your mortgage agreement. We’ll provide you with further information and assess your claim.

Related Services

33 Lawyers Offering Clausula Suelo Services in Spain

Testimonials for our Clausula Suelo service
  • Brenda Killigrew
    Brenda Killigrew, Murcia

    I had a direct phone call from Consuelo , within 24 hours of my first email contact . Was very clear and explained the next stages really well over the telephone.


    The continued emails , were consistent and very helpful . Consuelo dealt with all the stages with a efficient process , that has made the application for the Tourist Licence for my property in Spain very easy. Her persistence with getting the Guardia Civil to issue passwords was impressive , for me to upload information to them as required by law in Spain.


    Thank you Regards Brenda Killigrew


    Nov 29, 2020
  • Don Morris
    Don Morris, Ibiza

    This was not an easy case. The original documents / purchase going back to 1981 with subsequent history of dormant and closed companies to be searched through.


    Cristina was excellent, professional and helpful at every stage - especially in explaining the difficult path to be followed. I would recommend her 100% in every area:


    Responsiveness 100%. Understanding 100%. Value for money 100%. Ability to explain and provide appropriate solutions 100%. Approachability and professionalism 100%


    Nov 24, 2020
  • Matt Hardy
    Matt Hardy, Mallorca

    I thought Rosa was first class. Always helpful, always knowledgeable, and got the job done. I would highly recommend her.


    Also very nice to work with, easy to talk to with a great attitude.


    Nov 09, 2020
  • Abbie Orsini
    Abbie Orsini, Ibiza

    Cristina was amazing and went above and beyond to assist me in every way in my lengthy process.


    Cristina was extremely professional, responded quickly, provided appropriate solutions and explained everything step by step throughout. I’d highly recommend!!!


    Nov 09, 2020
  • Rod Bellis
    Rod Bellis, Mallorca

    Rosa speaks perfect English. She always responded very quickly addressing the issues raised. She explained how the sale of our holiday home in Majorca would progress and was extremely professional.


    During my career I have worked alongside many well known and respected UK law firms. Rosa was their equal.


    She made the whole process seamless and stress free. She was a credit to your organisation. I rate her exceptional.


    Nov 03, 2020
  • Anna
    Anna, Barcelona

    Raffaele got in touch very fast, listened carefully and was very supportive of the matter. Thank you !


    Oct 29, 2020
  • Suzanne Frankling
    Suzanne Frankling, Sabadell

    Raffaele was extremely helpful and nothing was too much trouble. He is also very friendly and his manner puts you at ease straight away. Yes I would use him again and in fact my sister uses his legal services as well.


    If you need a lawyer who speaks fluent English and Spanish (and Italian) and works on your legal matters professionally and without delay, then I strongly recommend contacting Raffaele.


    Oct 28, 2020
  • Paul Kuznecovs
    Paul Kuznecovs, Los Cristianos

    Prompt Response, Full Understanding of what was Required and Possible Problems, Provision of Absolute Value for Money.


    Total Ability to Explain What is Required, Identification of Challenges and Application of Relevant Solutions,


    Meeting in Person Was Not a Problem, Highly Professional - Absolutely Life Changing Experience! Sincere Thanks to Oliver and Family from Kuznecovs Family!!!


    Oct 08, 2020
  • Christopher Horne
    Christopher Horne, Puçol

    I both purchased and sold a property in Spain utilising Francisca's services in both instances. I felt it was essential to use a lawyer as I am from the UK and this was my first experience of buying and selling in Spain and the system, process and tax requirements are very different and I wanted someone experienced and professional to oversee everything and 'hold my hand' through the process.


    It seems that most Spaniards do not utilise a lawyer or use an independent property surveyor and the inmobiliaria/estate agent does a huge amount of additional work compared to what they do back home. This combined with the arras (deposit of thousands of Euros paid directly to the seller to 'secure' the property and take it off the market) made me nervous as it was so different to what I was used to in the UK - in some ways it's a lot better system.


    Like most reading this review, I did a huge amount of internet research when looking for property to buy in Spain and from experience have found that there are many companies set up by Brits and other non-Spaniards that are looking to take advantage of first time buyers from their native countries by putting up flashy websites and charging exorbitant fees - without exception I found that the Spanish inmobiliaria/estate agent, lawyers, etc. were far more professional, hard working and able to get things done at a fair price. The challenge is, if like me, your Spanish language skills are poor to non-existent - my advice to you is to get used to using both Google Translate and WhatsApp on your mobile phone with a data package that works in Spain as these came to my rescue on multiple occasions and are invaluable.


    Francisca's services through both the buying and selling process of my property were exemplary and professional at all times, her fees fair, her communication swift and her level of integrity beyond doubt. Some of Francisca's greatest non-lawyer strengths are her ability to empathise with a non-Spaniard buying property for the fist time in Spain, communicate the system clearly, set the necessary appointments / provide clear directions and generally 'hold your hand' through the process and sooth your nerves when necessary.


    I would have no hesitation in recommending Francisca to anyone requiring the legal services (not just buying/selling property) of a lawyer in Spain and will certainly approach her again should I need such services again. It is rare to find a professional of this level of integrity in any industry or country.


    We need more clones of Francisca across Spain! :-). From my experience, her services and professionalism cannot be improved upon.


    Oct 02, 2020
  • Raymond Dieset
    Raymond Dieset, Barcelona

    Very relaxed and not uptight. All very good.


    Sep 18, 2020
  • Steve Riley
    Steve Riley, Benidorm

    Buying a house in Spain was a daunting prospect but we had found the place and just needed to go for it!


    After a quick Google search for English speaking solicitors, I contacted Advocate Abroad, after speaking to someone for less than a minute I was told I would be contacted by their solicitor, Consuelo within the next couple of hours.


    My phone rang within minutes, it was Consuelo and she explained all I needed to know about the legal requirements prior to making a purchase and after an offer is accepted. She explained the differences between a private purchase and a company purchase, and gave us enough information in that initial phone call to put our minds at ease and helped us understand the Spanish house buying processes.


    Consuelo then went on to arrange our NIE numbers, make an appointment with the notary, dealt with the estate agents, acted as attorney with our bank, and completed most of the legal requirements within a three week period just before lockdown hit. Over the lockdown period Consuelo sorted out electric, water and taxes and explained everything clearly and precisely over email and WhatsApp. Once Spain relaxed it’s measures, Consuelo was quick to finalise everything, even met our Spanish friends to hand over keys and sent photos!


    The service provided is incomparable with our British conveyancing lawyers, (we truly did get a clearly explained, personal service at an excellent price!) and although everything after our offer had to be dealt with remotely with us back in England, there was no doubt we were being looked after fully and competently.


    I would not hesitate to recommend Advocate Abroad and I would certainly recommend you ask for the fantastic services from Consuelo!


    Aug 14, 2020
  • Tony Johnson
    Tony Johnson, Marbella

    Francisco is a true professional; super efficient and completely fluent in English. He helped me with a difficult legal matter and took all the stress out the situation as well as providing a pragmatic path to resolution...precisely what you need from a lawyer/abogado.


    The service I received from Francisco was first class. I cannot think of any areas that could have been improved.


    Aug 05, 2020
  • P.R. van Tol
    P.R. van Tol

    Francisca did a great job helping us with buying our new property. The price is absolute right. I can fully recommend her!


    Aug 05, 2020
  • Robert Bolton
    Robert Bolton, La Manga del Mar Menor

    We couldn't have asked for anyone better than Consuelo in helping us buy our apartment in La Manga. She guided us through the process either by email or phone and made sure that we fully understood everything. This of course gave us complete peace of mind.


    Consuelo is an extremely professional person but also very personable. We even had lock down to contend with but Consuelo always kept us updated. Excellent service!!


    Aug 04, 2020
  • Karen Webster
    Karen Webster, El Campello

    Consuelo went above and beyond expectations. We could not get to Spain to view the property we liked due to the COVID-19 travel ban so Consuelo viewed it on our behalf and sent videos.


    She went through the whole buying process on our behalf. Communication throughout was excellent. Consuelo kept us informed of every step and sent copies of all documentation. Considering the amount of work she did under very difficult circumstances the fee was very reasonable.


    Aug 01, 2020
  • Stelios Nousis
    Stelios Nousis

    Very attentive, fast response, professional and good results.


    Jul 31, 2020
  • Niklas Goeransson
    Niklas Goeransson, Barcelona

    We are very happy with our meeting with Oscar, very understanding and professional, and had smart solutions.


    Jul 21, 2020
  • Hanna Diamond
    Hanna Diamond, Barcelona

    Oscar was extremely responsive answering emails very quickly and he was patient in dealing with what was quite a sensitive and difficult situation relating to one of Advocate Abroad's former colleagues who had not been professional.


    I was very pleased with his work and would recommend him to anyone. I will certainly ask for his help again if ever the need arises.


    Jul 05, 2020
  • Glenn Humphreys
    Glenn Humphreys, Barcelona

    Raffaele was responsive, understanding and polite.


    He provided excellent value for money, explaining and providing appropriate solutions in a professional manner all the while ensuring technicalities and possible outcomes were understood.


    Jun 02, 2020
  • jake raby
    Jake Raby, Ibiza

    Cristina provided an excellent service throughout the process.


    During the initial telephone consultation, she provided clear advice about our legal position and options. She then dealt with the resolution of our property dispute efficiently and kept us informed regularly via email.


    Would definitely recommend to friends.


    Jun 01, 2020
  • Ilona Barta
    Ilona Barta, Torrevieja

    Inma was extremely helpful: she responded promptly and kept us up dated during our case every day. She possesses great negotiation skills that led to success in our case. Great value for money for complicated issue. Inma also made us clear about Spanish legislations and law that was helpful.


    Approachable and highly professional. Can't express enough our gratitude. We will definitely recommend Inma.


    Great service.


    May 29, 2020
  • Ben Cuppello
    Ben Cuppello, Oviedo

    Miguel provided a faultless service throughout the purchase of our property in Oviedo.


    Always responsive, providing excellent advice and guidance and prepared to go above and beyond to help us on numerous occasions. I could not recommend him highly enough.


    May 27, 2020
  • Brian Berman
    Brian Berman, Oviedo

    We were very have happy with the level of service provided by Miguel, he went above and beyond to make sure that everything was understood by us and clear.


    Using him made us realise that buying aboard was not straight forward and with his help opened doors which we would have struggled with. He was always available to us day and night ( even at weekends) and would respond to any question with either the answer or information of how to get it. He kept us informed at each and ever stage of our purchase. He was a real gentleman and we were very proud and honoured to have met such a lovely man.


    He is a great example of how a person in his position should operate with his clients and we can not thank him enough.


    Mar 11, 2020
  • Chris Horne
    Chris Horne, Valencia

    Francisca is a highly professional and friendly lawyer based just outside of Valencia city that helped my wife and I purchase our property.


    Her English is excellent and her ability to communicate the Spanish legal requirements for a foreigner to purchase property in a clear and concise way is exceptional.


    I would have no hesitation in approaching her for other legal services myself and would recommend her to anyone.


    Feb 16, 2020
  • Gemma Pitt
    Gemma Pitt, Mallorca

    Our experience in using Rosa has been flawless. She has been incredibly responsive and helpful from day one.


    We couldn't be more happy with her service and we look forward to many more years of help and support!


    Feb 03, 2020
  • Simon Birch
    Simon Birch, Spain, Barcelona

    Having been in Barcelona for only six months, we ran into a problem with a local landlord and needed swift legal advice. I duly searched the internet and decided to plump for Advocate Abroad where upon I spoke to Oscar. Look no further. He was immediately courteous, polite, very understanding, and extremely professional. Above all, he was patient, listened precisely to what I had to say before he gave me his professional opinion of where I stood from a legal point of view. His command of the English language was faultless to the point where I felt that I could have been speaking to a native English speaker.


    As to the subject matter, within a 30 minute phone call I understood exactly where I stood from a Spanish legal point of view, acted accordingly, and the problem was successfully dealt with. And probably the nicest touch of all, once once the matter was resolved having followed his advice, and with no further advantage to either himself or Advocate Abroad, he had the courtesy and kindness to ring me personally to see how I had gone on.


    Thank you Oscar. Outstanding (not a word I use often) !!!


     


    Jan 17, 2020
  • Maria Castellon Perez
    Maria Castellon Perez , Vera

    Juan was very professional at all times and he help us with everything. He even went to pick me up from the airport do we didn't missed our appointment with the notaire.


    Juan was in contact with us constantly through face to face and wsup. I have no doubt we will use him again.


    Jan 15, 2020
  • Daniela Majstorovic
    Daniela Majstorovic, Valencia

    Inmaculada was very professional, very helpful and approachable , easy to communicate , pleasant,and her English is fluent.


    Dec 05, 2019
  • John Hipper
    John Hipper, Zaragoza

    Francisco was recommended to me by friends in Spain after they had a very positive experience with him. He was an excellent contact for me while I was in the process of buying a house in Spain.


    It was an overwhelming experience buying from Canada, particularly because of the language barrier and the time difference, but Francisco did a fantastic job of explaining to me everything about the forms, taxes and the local processes.


    He was helpful, friendly and informative. When I arrived in Spain to complete the purchase, I felt much more confident knowing that I had his advice and assistance, he even offered to help me fix a problem with my bank accounts when I didn't understand what was happening (language).


    I would have no hesitation using his services again and highly recommend him to anyone in need of his assistance. I was 100% happy.


    Dec 03, 2019
  • Natalie
    Natalie , Valencia

    Inma was extremely good at reassuring me with my anxieties regarding buying a property abroad. From the first point of contact I felt she was very trustworthy and this continued all the way to point of signing and beyond.


    I sent her so many emails with all my questions and she answered each one in good time and professionally. She was always on the end of the phone if I needed her and her English and patience was excellent! I would highly recommend this lawyer. We found her independently through Advocate Abroad and will absolutely use her services again!


    Nov 26, 2019
  • Stephen Brown
    Stephen Brown, Palma de Mallorca

    Great communication with Rosa and good advice around what can be a potentially complicated property market on Mallorca.


    I had no idea about the importance of a cedula de habitabilidad and how difficult it can be getting water and electricity connected with out one.

    Our experience of estate agents on the island is not great but thankfully Rosa has kept us right through out our property search and in obtaining our NIE numbers. We are very grateful for her help.


    Nov 13, 2019
  • Sjors de Wildt
    Sjors de Wildt, Barcelona

    Oscar helped us through the process of buying our family home in Alella Barcelona. He advised and informed as well as reviewing the contracts and doing checks on liabilities, registrations etc.


    We are very happy with Oscars work. Easy to communicate with, available for questions and not shy to give you his opinion. Was a pleasure to work with you and we will make sure to stay in touch for any future legal advice we may need.


    Oct 30, 2019
  • Victor Cini
    Victor Cini, Valencia

    Thank you, Ramon was most informative , very clear and offered great advice.


    We hope to be back in touch.


    Oct 23, 2019
  • Steven M
    Steven M, Valencia

    We recently completed a foreign real estate transaction which required us to seek legal counsel here in Spain. Not knowing where to turn we contacted myAdvocate Valencia who put us in touch with our lawyer Inma.


    She offered friendly, professional and flexible legal support during our stressful time, all while speaking perfect English, which further helped the situation. We are so glad to have met Inma and would use or recommend her services in the future. Five-stars!


    Oct 23, 2019
  • Robert Stevenson
    Robert Stevenson, Palma de Mallorca

    Rosa is a very likable person, very competent and completely knowledgeable. We will definitely be in touch with her again as and when we need professional help in Mallorca.


    The service was first class and would be hard to improve!


    Oct 03, 2019
  • Daniel Stageman
    Daniel Stageman, El Campello

    Consuelo worked very hard and her fee was more than reasonable.


    Oct 02, 2019
  • Dianne Vernon
    Dianne Vernon, Ibiza

    Cristine had our back, made sure we had the right outcome and all at a very reasonable price.


    Sep 30, 2019
  • K K
    K K, Fuengirola

    Alvaro made one phone call on our behalf and sorted out a long standing issue with a rental agency in Fuengirola. Without his help we would have been lost.


    Would absolutely recommend him, he understood the issue and dealt with it efficiently.


    Sep 18, 2019
  • Ashley Wilkins
    Ashley Wilkins, Murcia

    We were delighted with the level of responsiveness and service Inma provided. Our daughter has been accepted at UCAM to study Dentistry and consequently we were helping her set up life in Murcia.


    Inma was most helpful in the flat leasing process in the identification of Agents and in the Tenancy Agreement negotiation and execution after a property had been found. This together with her good general advice about how things work in Murcia and Spain have made the process far easier that would otherwise be the case. Inma was also very helpful in the NIE process.


    Bravo and we are delighted to recommend Inma as a first port of call in Murcia !

    Best wishes Ashley.


    Sep 18, 2019
  • Richard Day
    Richard Day, Barcelona

    Excellent customer service and good legal advice. Oscar always returns calls and messages promptly, even when he was on holiday! He is polite and patient.


    I am very happy with the services provided by Advocate Abroad and especially Oscars work. All at reasonable cost.


    Sep 17, 2019
  • Darrell Green
    Darrell Green, UK

    Inma was always available to answer any questions we had or obtained the information required. All of questions were answered promptly and anything we didn’t understand was explained.


    Inma is very friendly and approachable and we felt confident and assured with her professionalism.


    Sep 17, 2019
  • Tim
    Tim, Mallorca

    I have recommended to a few friends who now use Rosa. Most profesional which is a rare in Spain. I honestly cannot think of any part of the service I would improve.


    Sep 13, 2019
  • Nathalie Haumont
    Nathalie Haumont, Fuengirola

    My lawyer francisco was extremely helpful, he couldn't have done more.


    Sep 12, 2019
  • Nathalie Haumont
    Nathalie Haumont, Fuengirola

    I was very happy with the lawyer very efficient professional and very helpful. I have more clients probably going to spain and I shall recommend his services


    Sep 03, 2019
  • Leigh Hossbach
    Leigh Hossbach, Oviedo

    I would wholly recommend Miguel to anybody contemplating a house purchase in the Asturias area of Spain. His pricing was competitive and adapted to my particular requirements.


    He consulted with other professionals (including the council) to help determine the expansion and future building possibilities of the land. He also undertook the necessary checks to establish there was no outstanding debt tied to the property.


    Compared to UK solicitors Miguel was very much more approachable and would always respond to my queries and deliver frequent progress reports at any time of the day including weekends.


    Given the complexity of the Spanish notary system it is essential you have a local solicitor who knows all the variations associated with the Asturian conveyancing system to guide you towards a successful outcome.


    Even though I had a reasonable understanding of Spanish Miguel's excellent written and spoken English proved invaluable at all stages of the conveyancing process in particular the final signing of the deeds. Well done Miguel and many thanks for all your help!


    Aug 17, 2019
  • Stephen Norton
    Stephen Norton, Marbella

    I had an informal, introductory meeting with Miguel and he answered all my questions including providing me with a lot more information and suggestions that I had not thought about. I found him extremely friendly and professional.


    I will be using his services next year for my first Spanish Tax return and will then be in a better position to comment on the quality and price of services provided. So far everything has been very good.


    Aug 13, 2019
  • Peter Marsh
    Peter Marsh, Gandia

    In all departments Francisca was outstanding in every case!


    Aug 07, 2019
  • Joseph Lobo
    Joseph Lobo, Barcelona

    Oscar was a great help throughout a difficult process as we bought a house in Barcelona. Despite significant setbacks, he was able to help us find solutions to ensure we finally managed to purchase the property.


    Thank you to Oscar for being incredibly professional and for explaining everything in a straightforward way so we understood a process which was foreign to us. I highly recommend him as a lawyer for anyone looking to buy a property in Spain.


    Aug 01, 2019
  • Joe Brent
    Joe Brent, Mallorca

    Rosa was excellent and went the extra mile.


    Jul 30, 2019
  • Gian Piero Staffa
    Gian Piero Staffa, Antigua

    Rosa was extremely helpful in assisting me buying a house in Maiorca.


    The transaction was not without issues due mainly to spanish bureaucracy and Rosa handled all of them very professionally.


    Given language problems and distance from my residence I will never regret having chosen her as my Lawyer in Palma and I have already recommended here services to other prospective buyers.


    Jul 22, 2019
  • Daphne Zargar
    Daphne Zargar, Detroit, USA

    Miguel was awesome! Super responsive, extended my knowledge and put me totally at ease through the process of buying a house in Galicia.


    I felt my interests were put first in the process and protected and would definitely recommend Miguel with full confidence.


    Jul 20, 2019
  • Sally Bircher
    Sally Bircher, Tenerife (Los Cristianos)

    I have recommended our lawyer Oliver to many people due to his professionalism and ability to communicate on all levels.


    Calls were always returned and questions always answered. Great value for money.


    Jul 16, 2019
  • Colin Taplin
    Colin Taplin, Fuengirola

    Alvaro quickly got to grip with our issues.


    He explained things clearly and we feel that he was good value for money.


    Jul 01, 2019
  • Xavier M W
    Xavier M W, Mallorca

    I highly recommend Rosa, she is very professional and thorough and her communication was superb throughout.


    Her English is also first class. Thank you for all your help.


    Jun 29, 2019
  • Paul Symes
    Paul Symes, Barcelona

    Very satisfied with the service provided!


    Jun 19, 2019
  • Don Sierra
    Don Sierra, Granada

    It is very difficult to find a good Spanish lawyer and this law firm, has set the standard very high.


    I sent them an email and within an hour someone called me and got on my case. Álvaro, was a shark and he got the job done. No waiting, no bs, straight to the point.


    As an American EXPAT it is very important not to be manipulated by the Spanish Court system. He showed me some amazing loopholes and now, things are going great!


    May 28, 2019
  • Marion Rouillé
    Marion Rouillé, Barcelona

    He really listened to my story (all the details about the issue I had), he was always clear about his strategy and never sugarcoated the possible outcome.


    I appreciated the fact he was very down-to-earth and presented me with truth about the situation, without trying to give me false hopes.


    Always professional I would totally recommend his service.


    May 10, 2019
  • Mark Fairley
    Mark Fairley, Gandia

    Francisca was extremely professional, great communication throughout the purchasing process.


    Phoned or emailed me to keep me updated and worked to a good timescale for completion. Prepared well for the notary and simplified the answers on any questions or issues that occurred.


    I would highly recommend Francisca for anyone from the U.K wishing to purchase property in Spain.


    She takes away any stress or fear that can happen from entering the unknown legal practice in Spain. I would definitely use Francisca again for legal service, on any future issue or purchasing of property.


    She provided good value for service and would be a future person to go to, for any expat in the Spanish community.


    Apr 30, 2019
  • Penny Toomey
    Penny Toomey, La Manga

    I could not recommend Consuelo highly enough to choose as a lawyer. She went above and beyond what was required when working for me.


    She is reliable, professional and kept me informed of the progress of my case and what she was doing at all times.


    Consuelo has an ethical outlook and a strong sense of what is right. She was unfazed when others tried to block her efforts to help me and was always reassuring that we would get there.


    Her spoken and written English is excellent so she can work with both English and Spanish (she did for me). Thank you Consuelo!


    Apr 16, 2019
  • John Seaman
    John Seaman, Valencia

    My lawyer was very supportive, interested in my needs, able to clarify my situation and explain the process and the various options open to me.


    I always felt relieved after each consultation. I will definitely use Inma’s services again


    Mar 21, 2019
  • Kirstin Stokes
    Kirstin Stokes, St Andrews, Scotland

    Francisco advised and managed our recent property purchase in Fuengirola with such friendly professionalism that the whole process was effortless, smooth and completely stress-free!


    Francisco was great at responding to our many questions, quickly addressing any concerns we had and resolving issues judiciously. His advice and guidance has been invaluable and the service provided, from start to completion, has been excellent and great value for money. We are more than happy to recommend Francisco to friends, family and all. Paul & Kirstin, Scotland.


    First class in all aspects.


    Mar 20, 2019
  • Justin Culmer
    Justin Culmer, United Kingdom

    Alvaro was professional, approachable, and very responsive while supporting me with the formal and legal processes in assisting me purchasing my new home in Spain.


    He was consistent in all communication and very informative.


    To improve the service I would suggest to provide a formal summary document of all legal services and formality checks carried out on the property purchase process, (as done in the UK) as a final overall document given to the client.


    Mar 14, 2019
  • Anne Mette Bergmann
    Anne Mette Bergmann, Malaga

    Beatriz has been extremely helpful all through the process of buying our apartment.


    We had some serious challenges in the beginning with the first apartment we wanted to buy and Beatriz went more than all the way to help - we felt so secure in her hands, and still do.


    We will continue to use her service and promote her to anyone who needs a lawyer.


    Beatriz was recommended to us by a very good (Danish) friend in Spain and was he right :-) So we give her our best recommendation.


    Mar 14, 2019
  • Catherine
    Catherine, Alicante

    Consuelo was extremely helpful, she couldn't have done more. I would definitely recommend her to friends.


    Feb 15, 2019
  • Jason Baker
    Jason Baker, Estepona

    Alvaro was transparent throughout the process and instilled a confidence in me that he would get the job done, which he duly did!


    He was persistent and diligent with his approach, which meant that an issue that i had for 2 years was no longer one.


    Regarding the above KPI's of measurement, he was top marks for all of them. I am genuinely satisfied with the service.


    Feb 13, 2019
  • Lee
    Lee, Uk

    Absolutely spot on service, very impressed!


    Jan 14, 2019
  • Mr Olsson
    Mr Olsson, Mallorca

    Rosa spoke English more or less fluently. Very satisfied with the service provided.


    Jan 07, 2019
  • Jim & Susan Heron
    Jim & Susan Heron, Dundee, Scotland

    Beatriz was extremely professional and provided an expert service. She understood our requirements, was very approachable and responded to all questions quickly.


    She explained the differences in legal requirements between the UK and Spain clearly and helped us to understand them. We would highly recommend Beatriz for any legal services.


    We can't think of anything we would like to see improved about the service we received from Beatriz and would have no hesitation in contacting her again if we required any further information.


    Jan 07, 2019
  • Ian
    Ian, Mallorca

    Rosa is helpful and very easy to get on with. She knows many other people in the Mallorca property and legal sectors and I'd recommend her.


    Her English is very good and there were never any language problems on either side.


    Jan 07, 2019
  • Paul Hutchinson (Mallorca)
    Paul Hutchinson (Mallorca)

    I did a little bit of research before appointing Rosa to handle our property purchase in Mallorca, but quickly realised I’d made a great decision.


    From beginning to end, she was highly communicative, helpful and friendly and I can’t recommend her highly enough.


    Jan 05, 2019
  • Martin Kiersnowski
    Martin Kiersnowski, Nerja

    Beatriz has always been friendly and helpful. Would definitely recommend the service to friends.


    Jan 04, 2019
  • David W Baker
    David W Baker, Malaga

    We were extremely satisfied with Alvaro: He explained the law to us and gave us a solution to our problem.


    He could not have been more helpful and we will definitely use him again.


    Nov 06, 2018
  • Thom Koller
    Thom Koller, London

    Francisca provided a perfect service!


    She is professional, dedicated and took care to understand the needs of my situation. Her service offers exceptional value for money and gives complete peace of mind.


    Nov 05, 2018
  • David Edwards
    David Edwards, England

    Very Satisfied with the service provided by Oliver. He was quick, efficient and value for money. Would definitely recommend to friends.


    Oct 17, 2018
  • Andrew Morecroft
    Andrew Morecroft, Lubrin

    Juan was extremely helpful during every part of the purchase. As I was buying an older property there were slight complications but Juan explained every issue and managed to work through the difficulties with supreme efficiency.


    Also there was a ridiculous situation with my Spanish bank account where I could not access the money even though it was in the account. Thankfully I had given Juan power of attorney and he managed to sort-out the problem.


    He went above and beyond the call of duty and I am very grateful for all his help. I would strongly recommend him to anyone looking to buy in the Almeria region.


    Oct 15, 2018
  • David Roots
    David Roots, England

    We were very satisfied with the service we received. Rosa dealt with the matter in hand promptly and efficiently.


    Oct 01, 2018
  • David K
    David K, Barcelona

    Oscar was very kind, professional and fair. He was able to help me with my problem and he was very determined that he would.


    Oscar is very competent, polite and showed a lot of effort to solve my problem. I strongly recommend him.


    Sep 26, 2018
  • Tauri
    Tauri, Estonia

    Very satisfied with the service. Francisco is bilingual English-Spanish and was always quick to respond and was very professional at all times.


    Sep 25, 2018
  • Darren & Gemma Nesbitt
    Darren & Gemma Nesbitt, Valencia

    Inmaculada has been of excellent service to us, as a family and in helping to set up a business in Spain. She has now undertaking several project for us and has delivered high quality on all of them. Perfect service!


    Sep 11, 2018
  • Patsy Valentin
    Patsy Valentin, Granada

    Extremely accommodating and highly professional and very pro active. Excellent result and service. Highly recommended.


    Sep 11, 2018
  • Jovie
    Jovie, Malaga

    My lawyer Alvaro was extremely helpful and very efficient. I would definitely recommend his services to friends.


    Sep 05, 2018
  • Tracey Iliffe Bradley
    Tracey Iliffe Bradley, UK

    Rosa dealt with everything efficiently and promptly and went beyond our expectations by helping us to open a Spanish bank account and deal with other minutiae.


    Aug 14, 2018
  • Teresa Valencia (Gandia)
    Teresa Valencia (Gandia)

    I'm very pleased with services I received. Buying a house from abroad is not an easy job and thanks to Francisca everything was clear.


    She's very efficient and I highly recommend her!


    Jul 26, 2018
  • Janet/Alex Olsen
    Janet/Alex Olsen, Newcastle

    Overall the service provided by Oliver was exceptional.


    My mother and I couldn't of asked for more from him as he sorted out our family affairs. His attitude, attention to detail and promptness while helping us were second to none.


    His English is top notch and his way of explaining and or guiding you through what needs to be done makes the whole experience easier than expected.


    We'd recommend Oliver to anyone in need of his expertise while dealing with issues in Tenerife.


    Jul 25, 2018
  • Neil Linter
    Neil Linter, London

    Cristina immediately understood our requirements and was essential in guiding us through a very tricky process.


    Jul 24, 2018
  • Mr David P Robson
    Mr David P Robson, Valancia

    My lawyer Francisca offered value for money and was very helpful. Will use her again.


    Jul 12, 2018
  • Søren Aabel Hammer
    Søren Aabel Hammer, Malaga

    Beatriz was professional and quick to respond. Would definitely recommend to friends.


    Jul 05, 2018
  • Claire
    Claire, Fuengirola

    Alvaro assisted me during my experience at advocate abroad, and he was so kind. He answered any questions I had, and made me feel completely at ease.


    I knew I was in the hands of a professional. He could not have done more to help me.


    Jul 04, 2018
  • David Stack
    David Stack, Lliria, Spain

    Francisca was extremely helpful. She made the whole process easy to understand. I would definitely recommend her service to friends.


    Jun 21, 2018
  • Tracey and Mike Iliffe Bradley
    Tracey and Mike Iliffe Bradley, Colchester, United Kingdom

    From our very first contact through to the end of our purchase, Rosa surpassed all expectations.


    She was helpful, efficient, always quick to return our communications and a pleasure to deal with. We have already recommended her services to a friend.


    May 29, 2018
  • Rl
    Rl, Alicante

    Felt very comfortable at all times. Nothing was too much. Understood everything mentioned in our meeting. Very reasonable rate, money wise.


    May 24, 2018
  • MF
    MF, Lanzarote

    My lawyer Cristina was extremely understanding , friendly and reassuring. With Cristina on my side, it gave me confidence to continue.


    May 21, 2018
  • PJU
    PJU, Torun, Poland

    Béatriz responded quickly to any queries I raised, with easily comprehensible answers.


    Her fee was very reasonable and she proved to be a very personable and approachable person when we finally met at the Notary.


    May 09, 2018
  • L Marshall
    L Marshall, London

    Rosa was excellent. Very efficient and professional.


    Responsive and always available. Extremely helpful - we did not understand the process and she guided us through.


    We would not hesitate to recommend her.


    Mar 28, 2018
  • Robert Scott
    Robert Scott, UK

    First class service. Rosa's professionalism, advice and patience were all exemplary!


    Keep up the good work. Will certainly recommend the service to friends!


    Mar 07, 2018
  • Andrew Bullen
    Andrew Bullen, UK

    Rosa was very professional at all times when dealing with me. Her English was second to none and she always kept me informed of progress via email promptly.


    I wouldn't hesitate to use Rosa in the future for any legal issues I have.


    Feb 16, 2018
  • Jackie Acres
    Jackie Acres, UK

    Miguel is fantastic, his English is superb. He responds clearly and concisely and always quickly too.


    He is helpful and approachable and has always answered all my questions very thoroughly. He’s very polite and an absolute pleasure to deal with.


    I hope he never retires!


    Jan 25, 2018
  • Larry Karns
    Larry Karns, Valencia

    Inma is a very approachable, open and knowledgeable professional.


    She is available to meet with us on short notice, is attentive to our needs, answers each of our questions fully and provides appropriate legal solutions.


    Inma is bilingual which has simplified communication and avoids misunderstandings. Her fees are definitely value for the money paid, and we will continue to seek her professional services.


    Jan 10, 2018
  • DP
    DP, United States

    He has been very attentive, efficient, and always anticipates our needs in a timely manner.


    We enjoy working with him and look forward to other future business arrangements when needed.


    Jan 03, 2018
  • Jeremi Hazan
    Jeremi Hazan, Israel

    Francisco is a good men and honest. Did the job perfect.


    Dec 21, 2017