When the purchase of a property goes through a mortgage loan, the notary is the professional who makes it possible to register the mortgage securing the bank's loan, and who checks its regularity before the signing.
The firm follows the whole process: from checking that the property is free of mortgages or prejudicial encumbrances, to drawing up the loan deed, to assistance on terms, disbursement times and costs.
Dedicated attention goes to first-home benefits and to the conditions reserved for buyers under 36, which require specific checks at the time of the deed.
What the firm handles
Loan deed and registration of the mortgage
Checks on encumbrances and charges on the property
First-home benefits and conditions for buyers under 36
Mortgage portability (surroga) and renegotiation
Cancellation of extinguished mortgages
Coordination with the bank on disbursement times and costs
How it works
01
Consultation: loan terms, disbursement times and costs.
02
Checks on the property: absence of mortgages or prejudicial encumbrances.
03
Benefits: checking the requirements for first-home and under-36 conditions, before the signing.
04
Loan deed and registration of the mortgage securing the bank's loan.
Documents to bring
The exact list depends on the transaction: the firm will confirm it during your consultation.
Identity document, tax code and civil status of the borrowers
Loan approval issued by the bank
Certified copy of the power of attorney, if a proxy is acting
Court authorisation, if representing persons lacking capacity
Residence permit, for non-EU borrowers
For companies: identity document of the legal representative, business register certificate, articles of association and minute book with the authorising resolution
Deed of provenance of the mortgaged property
Land-registry certificate and floor plan showing the boundaries
If there is a previous mortgage to be cancelled: the bank's consent letter
