Marverose, S.L. does not take any responsibility for the accuracy of the information contained in these web pages and documents and recommend that all particulars are verified independently prior to entering into any form of transaction or contract.
In accordance with the Spanish law (Ley Orgánica 15/1999, de 13 de diciembre) concerning Data Protection of a personal nature, we inform you that the personal data you are about to, or may provide will be incorporated into a data file owned by Marverose, S.L. who, as responsible party for the file, will use the data in order to provide you with personalized attention in its offering of products and services, as well as inform you about news and specials associated with these products and services. WE DO NOT SELL YOUR DATA TO 3rd PARTIES.
The present Legal Notice regulates the access and use of the resources and services offered on the Internet website the "site"),
Access and use of the Site attributes you the role of Site User which implies complete acceptance of each and every point included in this Legal Notice, without reservation. As a consequence, the User should carefully read the Legal Notice each time the User makes use of the Site because the Site may undergo modifications. The use of certain services offered to Users of the Site is subject to its own set of conditions which, depending on the case, substitute, complete and/or modify the present Legal Notice.
Therefore, before using said services, the User should also read all conditions carefully. Likewise, Site use is equally subject to all notices, rules of use, and instructions made known to the User by Marverose, S.L. which substitute, complete and/or modify the present Legal Notice. Object: The Site of Marverose, S.L. permits Users to access and use various services and content made available within the terms and conditions of this Legal Notice.
Marverose, S.L. provides use of the Site at no charge to Users. Nevertheless, the services it offers through the Site, directly, indirectly or through 3rd parties, are subject to the payment of fees determined in the Conditions corresponding each (please see services and fees below).
To this end, the User guarantees the authenticity of all data communicated in emails, fax, post. Likewise, the User will be responsible for maintaining all information provided to Marverose, S.L. is up to date and in accordance with the actual situation of the Applicant. Above all, the Applicant will be the sole responsible party of false or imprecise statements made and the damage they may cause to Marverose, S.L. or 3rd parties.
Without prejudice to the other clauses herein, in the event of a breach of these terms and conditions of use by the Applicant, Marverose, S.L. reserves the right to suspend or terminate the Agreement without notice.
Documents Required
It is at all times the Applicants responsibility to provide, where required, documents to support the mortgage application such as wage slips, p60's, p45's, audited accounts, a copy of the nota simple or escritura, banks statements, your nie/nif certificate and passport copies.
Fees
Technology is overhauling the way in which the industry operates. Many tasks have become automated, applications and other data have been taken online and tools have been created that respond to the demands of the fast-paced, time critical nature of today's property market.
Automated Valuation Models is just one example of how technology, in conjunction with traditional routes, is helping to streamline yet another area of the mortgage process. Lenders are now able to obtain a standard property valuation which provides an accurate indication of the property's current value, based on a number of elements including historical property price appreciation, comparable home sales prices, the individual characteristics of the property and general market data at the current time. For example Rightmove, the well known UK business uses them and we suggest that you refer to the following link for details: http://www.rightmove.co.uk/data/avm.html Also in Spain one of the large Tasacion valuers now use them since they are cost effective.
All charges and fees paid for services and/or to the intermediary multi-currency broker are non-refundable under any circumstances.
Valuations can vary and this could have an adverse effect on being able to receive a mortgage offer if it's valued, for mortgage purposes, at a much lower amount. Many lenders, for commercial reasons have minimum and maximum amounts that they are prepared to lend. Lenders reserve the right (at their discretion) to reduce the the percentage of any advance against the value of the property in question. This may conflict with any earlier financial illustration provided by us and we cannot be held responsible for this decision under any circumstances.
Valuation Disputes
If after an AVM valuation has been conducted there is a disagreement as to the value of the property for mortgage purposes the mortgage applicant/s agrees that any dispute shall be resolved in the following way:
Marverose, S.L. will arrange for the property to be visited personally and a full formal survey carried out. This service will be provided by a surveyor nominated by them and all costs and charges are to be paid for this service in full prior to the survey by the applicant/s. This survey must be conducted within 30 days after the applicant has received notice that their application was declined.
If the revised valuation values the property at an amount considerably different to the AVM valuation the broker or lender who arranged for the AVM valuation to be carried out may do one of two things;
1) Consider granting a mortgage based on the revised professional valuation or:
2) Decline to grant a mortgage but if this is the case return in full the original AVM valuation fee paid excluding the broker application fee. This will be refunded within 28 days.
Any further professional on site valuation conducted following an AVM valuation will become the property of the mortgage applicant for him to use elsewhere in obtaining a mortgage.
Not all banks and building societies offer these sorts of loans, and sometimes they're hard to find. There are a limited number of lenders beyond the high street that offer a type of self certification mortgage.
Obligation to Make Proper Use of Site and Content
The User agrees to use the Site and its Content within the confines of the law, this Legal Notice, Conditions as applied to specific Content and other notices, rules of use and instructions made known, as well as the moral and good practices generally accepted, and in line with the keeping of public order. For this reason, the User will assume full, personal responsibility, in all possible cases, of civil and or penal actions, which are the consequence of the User's actions.
Modification and Updating of Site
Marverose, S.L. reserves the right to modify or delete parts of the Site or information contained in these parts or modify the configuration of the Site with the objective of improving its accessibility or presentation.
Intellectual and Industrial Property Rights
All content of the Site, to be understood for expository purposes herein as text, photographs, graphics, images, icons, technology, software, and other audiovisual or audio content, as well as the Site's graphic design and software structure, is intellectual property of Marverose, S.L. or 3rd parties, access to which cannot be understood as the ceding to the User of any rights beyond those strictly necessary in order for the Site to be used properly. Ownership of logos, brand names or distinct signs belongs to Marverose, S.L. or 3rd parties, access to which cannot be understood as the ceding to the User of any rights concerning the use of said logos, brand names or distinct signs. All rights pertaining to the documentation contained in each and every one of the pages that form an integral part of the Site are reserved.
Policy of Personal Data Protection and Confidentiality
Marverose, S.L. in accordance with existing legislation, informs and guarantees you the confidentiality of your personal data, and full compliance with the Spanish law of Data Protection of a Personal Nature. Marverose, S.L. has adopted the security measures of personal data protection required by this law, installing the technical and organizational means necessary in order to avoid data loss, inappropriate use, alteration, unauthorized access, and other possible risks. Marverose, S.L. handles and conserves information in compliance with the secrecy requirements concerning data contained in its files in order to guarantee the proper carrying out of its services and commercial objectives. WE DO NOT SELL YOUR DATA TO THIRD PARTIES. Our web page does not use cookies when the User surfs through different screens and pages of the Site nor do we keep records of this nature about said visitors.
The privacy policy of Marverose, S.L. assures the User, in all cases, the right to access, rectify, cancel and oppose, within the confines of existing legislation, directing any message of this nature to our postal address. Content and services accessed through the links to 3rd parties that Marverose, S.L. maintains operative within its Site are not under the control of Marverose, S.L. and therefore the company cannot be held responsible for the information offered by 3rd parties. Marverose, S.L. reserves the right to modify or delete parts of the Site or information contained herein or modify its configuration with the aim to improve accessibility or presentation.