Again thanks for the useful information and I can see how you earn your deserved broker fee, you know a lot more than a lot of the other agents I’ve spoken to which puts me at ease.
It seems like the fixed rate product is the obvious choice.
I do have a repayment vehicle I can use if I ever need to pay off the mortgage completely so I am looking to keep monthly payments to a minimum so if there anyway we could look to extend the mortgage term to 25 or 30 years considering I am able to repay when ever required through selling some UK assets?
I had been looking for a holiday home in Spain and found my ideal property. The price I had agreed with the seller was subject to an early completion so I was under a moral obligation to proceed quickly. The broker I had been referred to said that he had got me a good deal with a bank [and recommended that I go with that.
When I looked at the small print, I noticed that there was an additional amount of about 20% added to the loan. When this was queried, I was told that it related to life assurance and was non-negotiable. I became suspicious and found Ravena’s details on the internet. The word superb does not adequately described the service I have received from her; a very quick new mortgage offer with no life assurance requirement. Her fees were also about half of the previous broker.
Please feel free to use the following statement
Sharon and I really appreciated your and Heathers support throughout our mortgage process. Your help and guidance made the purchase run smoothly and we felt the whole mortgage acquisition was managed very professionally from start to finish by you and IMS. Thanks for your help. Best Wishes Mark & Sharon.
Here you go:
We have now moved in and delighted in the knowledge that we have made the right decision. Thank you for all your help and I know that our agent with certainly be recommending IMS after our feedback and shee too was very impressed with the service and communication you provided.
You certainly helped take the pain and complication out of what can be a daunting task!
Thank you so much, Ravena.
You have been the best part of this whole process
I am delighted to hear from you, Andrew and Alberto that the purchase has completed. Just wanted to let you know that you did a really great job for us. Thank you for getting everything done so smoothly and efficiently and for organising the mortgage without the certificate of First occupation
I will definitely recommend you to anyone else looking for help with a mortgage. Great job – well done bs thank you 😊👍🏽😊
Yay !!! Thank you for everything you have done. You really have been fabulous I don’t know what I would have done without you!!!!
Thank you! We’re so excited. Thank you for all your help…if you have a facebook page or anywhere you’d like me to leave a review, let me know – we have been so happy and impressed with your service – thank you so much for helping us.
Thank you Sandy,
We have appreciated IMS, specifically Ravena’s services. I have made the payment and attached the receipt. Since this is my first wire transfer, can you respond with confirmation when you receive it
Kelsey and Jose
Thanks you to Ravena and earlier Heather for your fantastic service. You will be well recommended for family and friends.
On Thu, Feb 1, 2018 at 4:36 PM
Good afternoon Sandy
Thank you for the details for the transfer. Will organise this payment of this.
Ravena has been very supportive in the whole process and helpful.
Really appreciated her knowledge and patience.
Would have absolutely no hesitation in recommending you, Ravena and your company to others.
Thanks both for all you help
From Mortgage Sourcing and Selection right through to Purchase, IMS’s team gave prompt and invaluable advice throughout. Highly recommended
Thanks Sandy –
In terms of feedback, I have to say the support we have had so far has been truly excellent – we’re really grateful for all the service and explanation!
I was extremely fortunate to choose IMS to assist me with buying a house in Spain. Fortunate, because they (Sandy and Ravena) have been honest, open. helpful and super responsive from my initial contact with them. Living in Singapore potentially posed some problems but IMS took all of those problems away. I must admit that I had approached another broker before IMS but I was put off by the hard sell – emails, phone calls at inappropriate times, questions as to why I had not responded immediately. If you are looking for a broker that works at your pace and thinks of you as a customer rather than a number, then choose IMS. I was not asked to write this review, I chose to do so because their service has been excellent.
Buying a house in spain , while living in the US sounds like a daunting process , but not once I employed the help of IMS mortgages . They walked me through the process very clearly , lining up multiple lenders , streamlining the paperwork and dealing with all the particulars of Spanish regulation .
I would highly recommend anyone about to go through this process use the professionals at IMS and set your mind at ease !!!
Re: IMS Mortgages- Ravena
Dear Ravena and IMS Mortgages team,
I would like to thank you for the hard work and time spent on securing a mortgage for
We know it was a very complicated application, taking into consideration the
short time for completion, nature of the property and hurdles appeared throughout the
process. We are happy you were not deterred from the challenge, and kept pushing until all terms were achieved.
Your in depth knowledge of the Spanish mortgage industry, high dedication and motivation
gave us the confident we are in good hands; and we were not wrong! You have managed to get us the right mortgage in a time frame not many thought it possible.
We are grateful for your help, and will definitely come back on our next project.
Tzachi (Zack) Rat
We would like to take the opportunity to thank you & Ravena for your continuing work on our mortgage. We have found IMS thoroughly professional and would not hesitate to recommend you (as we have already done to a couple of other people living locally here in Ibiza).
James & Richard
Thank you for the confirmation.
I’d like to thank you and Heather very much indeed for taking us through the re-mortgaging. We started off with little hope of being able to pull this off and have ended up with a very successful and satisfying result. These things are always complicated, but throughout this process you have been professional, knowledgeable, efficient, clear and helpful. It has given great reassurance to us and it has genuinely been a great pleasure to work with you.
with best wishes Ross
Thank you Ravena
for all your help. You and your team have been simply amazing. It has been a long road and I want to thank you for being so patient and understanding . I would be more than happy to give you a great recommendation to any potential clients you have. And will refer any potential ones too. Keep well .
Sent from my iPhone
Dear Heather and Ravena,
Me and Tom would like to express our appreciation to your professional advice to make this purchase a successful one. Heather you responded within 5 minutes when I sent you the questions through IMS website, it’s astonishing to us of your efficiency. Heather you have assigned Ravena to help us and she is the best person I have ever met who is hard working and she provides excellent service with timely or daily update of progress.
We shared our experience with our agent Belen who has been very helpful as well. We would like to introduce your company to Belen who works for Engel & Volkers and hope you both can make more businesses in future.
Best regards Hailo
You did a wonderful job Ravena, I would definitely recommend you. Wish you wonderful happy 2015 Sirar
Dear Heather and Ravena,
IMS Mortgage offers an excellent service and I would highly recommend IMS to anyone looking to buy and finance a property in Spain. As an American living in NY with very limited knowledge of the Spanish property and mortgage market, you offered spot on advice and helped me easily through the whole process .In addition your service integration with the bank and with the excellent law firm of AGÜERA & ARREBOLA made, what I am sure can be a very challenging conveyance procedure, very painless.
Thank you !
Rick Bennett CPA , CA
USA, Canada ,United Kingdom and Hong Kong
TRULY OUTSTANDING SERVICE AND PERFORMANCE
Dear Ravena, We would like to place firmly on record our deep appreciation of the truly outstanding service you provided to us during the purchase of our house in Spain.
You provided us with an outstanding service at every stage of a difficult purchase and you found a mortgage product for us despite the significant challenges posed by our vendor’s position and the nature of the property. You could not have been more helpful or provided us with a better outcome and it is literally true to say we would not have been able to get our beautiful home without your help.
On the basis of our experience, we cannot recommend IMS and your service too highly. Thank you and best wishes for the business.
J & N
I think finally we have arrived to the point after which we are not going to exchange emails several times a week, so I would like to take the opportunity to say thank you for your help.
I have been truly impressed by the professional execution of my case from the initial contact to completion.I am 100% sure that I couldn’t have received better treatment from any other company, even if I looked for months.
You have been very punctual, very prompt, and your assistance has saved me so much time and frustration that I cannot even tell.
I always felt that I am in professional hands which gave me the peace of mind, and saved me at least a couple of nervous breakdowns for sure.
So, thank you very much, it has been a pleasure doing business with you, and I will spread the word of your exceptional services whenever opportunity arises.
Keep up the good work, and I wish you the best.
A big thank you
We would like to say a big thank you to Ravena and Heather at IMS
We bought our Spanish holiday home in Northern Costa Blanca. The support and guidance provided, was very much appreciated. All emails and phone calls were acted upon promptly. We highly recommend the service. We had an email congratulating us upon completion,this was a nice touch. Even after we completed and we had a small issue, Ravena helped sort out the problem. In our opinion, do not hesitate to use IMS. Excellent service!
Andy and Tracy Derbyshire
Offer of lending secured
This is great news and thank you and your team ever so very much for sorting this out for me.
Again, a massive thank you for organising everything so very quickly. IMS and all the staff put many other companies and banks that have let me down within the last year to absolute shame…..!
Take care and all the best, regards, Rich.
Thank you for your help
May I add at this point that we have been absolutely delighted with the service of IMS and particularly of Ravena who has had the patience of a saint with us (3 purchases falling through) and made sense of our complicated circumstances and problems with banks always with good grace and efficiency. We will thoroughly recommend you to everyone that needs help in obtaining a mortgage and indeed may well be using you ourselves again in the future.
very best regards Sue
Thank you Ravena
Thank you so much! You have been fantastic!! I would definitely recommend your service and you in particular have been a star!!! Thanks again
Many thanks for taking …
Many thanks for taking the time to respond and also for your honest advice when integrity is such a rare commodity these days.
Many thanks once again.
For the best work ever …
Thank you so very much for the best work ever in achieving my dreams. Your team are just perfection, I will always recommend you to everyone I can.
Again A BIG BIG thank you
A constant source of information
Ravena who I have spoken to and eMailed with many times has been a constant source of information and confirmation. Financial intermediaries have a mixed reputation but IMS in general and this lady in particular have been the epitomie of professionalism.
You made this purchase possible
We completed today. Many thanks for all your help.You made this purchase possible.
Paul & Beth.
I can’t thank you enough
I can’t thank you enough for your ideal support during this tough process :)
Thank you so much for everything. if you are based in Marbella/malaga area would love to shake your hand one of these days!!!
… your total professionalism
Thank you Heather,
You are more on the ball than our solicitor, rather worrying!
Really appreciate your total professionalism, its rare these days but you certainly have it.
All the best,
I do appreciate the professionalism
Many thanks for the time and trouble you have gone to here. A complex matter has been easily explained and I feel I now understand the pros and cons.
Since we spoke, I have discussed my situation properly with CAM bank and they are going to come back to me by Monday with some options. You were right – it is unlikely to be an interest only mortgage.
I do appreciate the professionalism you have shown here and at the very least, if I decide that sticking with CAM is a more cost effective route right now, I would have no hesitation in recommending your services to other people I know who have property in Spain and may well need your services in the future.
Your support and advice was invaluable
We would like to say that it is such a difficult time purchasing a property, let alone purchasing a property in Spain but your support and advice was invaluable. Even a straightforward property purchase in Spain can be stressful let alone all the complications we had but you stayed with us and worked so hard to obtain our mortgage for us – thank you.
Anybody who has a dream of owning a house in Spain would benefit from your services. At times it might seem easier to give up but if you really want it – keep on striving and take a leaf out of the Spanish way of doing things and let it happen in its own time.
Once again, many thanks and we wish you every success for the future.
Mark & Michelle
I am very grateful
Both Heather and yourself worked wonders, and went the extra mile in securing this, for which I am very grateful. You opened doors when I was finding them being shut in my face as a result of the economic climate.
And my experience of Deutsche Bank and its team thus far has been very positive.
WOW!! That’s what I call service
WOW!! That’s what I call service, efficient and professional and all in under an hour from the time I gave you the lead. No wonder why you have out lasted all your competitors in your game.
Well done. I can mention a few of them but I will not. Thank you very much for the feedback and the client qualification, just the feedback I wanted so I know what direction to go in.
Your presentation was by far the best
Naturally I had spoken to several mortgage consultants and had I liked the property I would have chosen you as consultant, your presentation and phone manner was by far the best.
I am sure that if I do pursue a mortgage it will be through your company.
Thank you for all your help
We would both like to thank you for all your help, its nice to find someone who is on the ball.
Many Thanks, Melody & Robert
How incredibly impressed …
Its months since we were in touch, indeed before Christmas!
I would just like to say how incredibly impressed Yvonne ( my partner ) and myself have been with IMS and specifically Ravena, she has been truly wonderful.
Where can I begin to start? Resolute in pursuit of a good deal for us, a consolation when things didn’t go well, a wise head in times of turmoil, keeping her head whilst I was probably loosing mine! Her contact with us has been first class as has her replying to mails and calls even if it was me flapping ). She has pushed the bank when needed, coordinated details with all the parties and always been a pleasure to speak to on the phone. At the darkest moment she provided wise counsel and when things did go through congratulations. A source of detailed knowledge on products and what course of action to take. Our only regret is we eventually bought in Valencia not Andalucia so cant buy her a celebration lunch.
We are both deeply impressed and have no doubts whatsoever in recommending her / IMS to anyone .
Thank you for all your help.
Iain Henderson and Yvonne Thompson
I will be in touch …
Thank you very much for your prompt and thorough response which I find impressive.
I will be in touch when I am in ready to buy and apply for a mortgage.
Many thanks for…
Many thanks for your document. Thus far no one has explained the intricacies of remortgaing in Spain so well as you have done.
It has been great working with you
Thank you very much for your help and support.
It has been great working with you. I am really happy that everything is sorted and I hope to spend some time in Menorca soon.
Thanks again to all the team for helping me with the purchase.
All went well
All went well, we also went into the branch in Granada to progress accessing our new account.
Many thanks for all your help and please pass this on to Heather also – you have really earned your fee on this one and we are happy to recommend you to others (in fact we already have!)
Thank you all for your support
Dear Heather, Ravena and Cecilia,
Thank you all for your support with finding a mortgage for us in this difficult climate. You succeeded where others failed us.
It took six months or more but you never gave up and kept in contact with us reassuring us with your confidence and honesty. After all those months of hard work you managed to get completion for us a couple of weeks ago. We were thrilled. And still the broker fee for you was no different to when we started with you all those months ago.
Money very well spent and I would recommend your services to anyone. Well done IMS and the Times where we found your advert.
Best wishes and kind regards to all,
Bob and Annie
Completion was achieved
I got home late last night Ravena and have just received confirmation from the lawyer that completion was achieved yesterday. I would like to thank you for all your efforts.
In this presently difficult financial climate it has been invaluable having someone work on my behalf. As you can appreciate, it is not easy conducting business in a foreign country and having a friend only an e-mail or phone call away has been excellent.
Again many thanks. I wish you all the best and will certainly recommend you to anyone contemplating property purchase in Spain.
Helpful and efficient advice
For now we have decided not to make any changes to our mortgage, but having spoken to you and having received your more than helpful and efficient advice, should i need to consider this option again, I would hope to possibly work with you and your company.
Yours sincerly, Miss S Monk
Please say a huge thankyou
Please say a huge thankyou to everyone. We are thrilled here. Can you let me know your office address so that we can send a card.
Thank you so much for your help and care
Thank you so much for your help and care. If we will need any further assistance we will contact you and I will recommend you to our friends who will need help with their mortgage.
First of all …
First of all, thank you very much for your prompt and informative responses. I would also like to sincerly thank you for continuing to help me by answering my questions even when it seems obvious that I will not be able to take a mortgage through you. I will be keeping you email address and the next time I make a property purchase I shall ask you first if you can help me.
We have good news
You asked us to keep you informed of progress re our house.
We have good news, Ramon has negotiated with Cajamar head office and they will grant us a mortgage. We have not signed anything yet, on the advice of Ramon, he is very thorough.
Thank you so much for introducing him to us, wish we had known about both you and him four years ago, would have saved us a lot of stress, hassle and money!!
Thank you for all your help in arranging …
Dear Heather and Ravena,
I just wanted to thank you for all your help in arranging my mortgage.
I didn’t have any great expectations when I set out to try to get a mortgage a few months ago, and was very wary after some of the horror storied I’d read about the intermediaries in this market.
Of the 6 companies I approached after a web search most made promises, one asked me for a forged P60, and one sent me on a costly goose chase. You were the only ones who were honest from the start about the difficulty of my situation in the present market, and the only ones who came through with a reasonable offer. I was impressed throughout by the professionalism and constant attention.
By far the most helpful
I just want to thank you for all the help and info you have given us, you have been by far the most helpful, informative and honest company I have spoken to about mortgage matters.
Thank you for your kind …
Thank you for your kind attention in dealing with the mortgage enquiry and answering all my questions. I find your honesty and transparency quite refreshing. You have made the process to date quite painless, lets hope it carries on this easily to final completion.
Express my thanks to you personally
We have completed on the property.
I would like to take this opportunity to express my thanks to you personally for all your time and effort in bringing together our mortgage and seeing it through to completion.
I know that this was an especially difficult case. But you came through for us, in what has been very worrying times for us all with the recent credit crunch.
You should have a medal for your patience I know at times I have been very trying to say the least ( you don’t need to agree ) but another thank you for not giving up on us, your patience has been very much appreciated. I am sure others would have given up but not you.
Keep up the good work I am sure there are many other people out there who will benefit from your help and I would not hesitate to recommend you and your company.
Finally I would like to wish you and your staff the very best for the future and for a job well done.
You have handled everything well
No matter what the outcome is (and I hope it is successful) I must say you have handled everything well and professionally and always kept me up to date with the progress.
Fantastic, finally its all paid off
Fantastic, finally its all paid off. Many thanks for all your hard work and patience. We owe you a drink!! or two!!
Don’t hesitate to call if you would like to take a visit up in the mountains – if you need any lessons on snowboarding – don’t ask myself or the others!!
Many thanks again and maybe see you in the future,
I would just like to say a big THANK YOU for everything. You are an angel!
Talk to you soon,
Thanks loads for your patience
Thanks loads for your patience. From what I hear it really is getting hard to get mortgages organized, so you have done a sterling job.
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