How to Get a Mortgage in Mallorca Step by Step
How to Get a Mortgage in Mallorca Step by Step Buying a property in Mallorca is, for many, one of the most important projects of their lives. Whether as a primary residence, a second home, or an investment, the process of securing a mortgage can raise many questions, especially if you’re not familiar with how […]
What is Mortgage Subrogation? Complete Guide
What is Mortgage Subrogation? Complete Guide If you are thinking about adjusting your mortgage or are about to close on a purchase, you have probably come across this question: what is mortgage subrogation and why are more and more people—especially investors—choosing this option? In short, it is a legal formula that allows you to modify […]
What Does a Mortgage Advisor Do and Why Do You Need One?
What Does a Mortgage Advisor Do and Why Do You Need One? Buying a home is exciting, yes, but the mortgage part usually creates headaches. Between banks and paperwork, you barely know where to start. And that’s exactly where a mortgage advisor comes in — to give you a helping hand throughout the whole process. […]
What’s Wrong with Reverse Mortgages: Complete Professional Guide 2025
Reverse mortgages have become popular with people over 65 who want to earn extra money without moving out of their own home. How does it work? In a nutshell, the home is mortgaged to receive rent – which can be monthly, quarterly or all at once – while retaining the right to continue living in […]
Is Mortgage Life Insurance Mandatory?
For many families, taking out a mortgage is the biggest financial decision of their lives. Between the commissions, bonuses and linked products offered by banks, a very common doubt arises: is life insurance compulsory for the mortgage, or is it a negotiable condition that is not always necessary? This article provides you with a clear […]
We were present at the COPE Mallorca 2024 Awards: A real Luxury
We were present at the COPE Mallorca 2024 Awards: A real Luxury On 25 November, I had the pleasure of attending, along with part of my team, the eagerly awaited COPE Mallorca 2024 Awards gala, held in the elegant surroundings of the Sala Magna of the Es Molí d’Es Comte restaurant in Palma. I am […]
We Sponsored the Running & Wine Fest 2025
We Sponsored the Running & Wine Fest 2025 Last Saturday 12th April 2025, the José Luis Ferrer winery in Mallorca hosted the first edition of the Running & Wine Fest, a pioneering event that fused sport, wellness and wine tourism in a spectacular natural setting. As official sponsors, at José Sellés, financial consultants in Palma […]
Financial planning for the self-employed in 5 steps
Financial planning for the self-employed in 5 steps Financial planning is essential for the economic stability of any self-employed person, as their income can be irregular and is subject to taxation. and variable expenses. Here are five key aspects to take into account for a efficient financial management: Budget and expense control Keeping a detailed […]
How to redeem or transfer a pension plan in 2025
How to redeem or transfer a pension plan in 2025 Traditionally, pension plans could be withdrawn upon the occurrence of contingencies such as retirement, incapacity for work, death, a severe dependency or high dependency. In addition, there are exceptional cases liquidity problems, such as long-term unemployment or serious illness. However, a legislative modification introduced in […]
Buying a home in 5 steps
Buying a home in 5 steps Buying a home is one of the most important financial decisions of our lives. It represents the largest decapitalization that any person will ever make in his or her life. front. To do so safely and efficiently it is essential to follow a process well planned. Savings planning Before […]
