Best Mortgage Lawyers in Cyprus

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Darivas Law Firm & Partners

Darivas Law Firm & Partners

Nicosia, Cyprus

Founded in 2007
14 people in their team
Greek
English
Konstantinos Darivas & Associates | Trusted Law Firm in Athens, GreeceAt Konstantinos Darivas & Associates, we are a dynamic Athens-based law firm offering high-level legal services across a wide range of practice areas. With decades of experience and a strong reputation in civil, criminal,...
Elias Neocleous & Co. LLC

Elias Neocleous & Co. LLC

Nicosia, Cyprus

Founded in 2017
120 people in their team
English
Greek
Russian
We are the largest law firm in Cyprus by a considerable margin and are generally recognised as  leading law firm in the Southeast Europe. We have more than 140 fee-earners operating out of three offices in Cyprus and an international network of offices in the main destinations for investment...
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TEKCE VISA

TEKCE VISA

Kyrenia, Cyprus

Founded in 2019
25 people in their team
English
Turkish
Russian
German
Dutch
Swedish
Arabic
Persian
Chinese
French
Polish
Spanish
TEKCE VISA: International Legal Consultancy for Your New Life AbroadAt Tekce Visa, we understand that starting a new life abroad is more than just acquiring property—it's about building a new future. Our team of experienced lawyers provides comprehensive legal consultancy services, ensuring a...
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Michalis C. Zambartas - Advocates, Legal & Tax Advisors

Michalis C. Zambartas - Advocates, Legal & Tax Advisors

30 minutes Free Consultation
Nicosia, Cyprus

Founded in 2014
5 people in their team
English
Greek
French
Turkish
We are a modern international practice located in a central business area of Nicosia. The members of our firm have a pedigree of working and leading the most prestigious firms in Cyprus.Our core practice areas are corporate/commercial law, corporate litigation, mergers and acquisitions, financial...
N. PANAGIDOU LAW OFFICE

N. PANAGIDOU LAW OFFICE

Limassol, Cyprus

Founded in 2020
2 people in their team
Greek
English
N. Panagidou Law Office is a modern law office delivering personalised legal services to individuals and businesses. Main areas of specialization are fintech, payment services, regulatory compliance, company formations, corporate and commercial, employment, immigration, real estate, intellectual...
CTA LAW FIRM (C.T. Antoniou & Co. LLC)

CTA LAW FIRM (C.T. Antoniou & Co. LLC)

15 minutes Free Consultation
Nicosia, Cyprus

Founded in 2020
4 people in their team
English
Greek
CTA Law Firm is a boutique law firm regulated by Cyprus Bar Association. CTA Law Firm provides a wide range of legal services focusing on the Corporate Law, Real Estate Law and Financial Services. We preserve strong relationships with an international network of lawyers and offices, worldwide,...
George S. Theocharous llc

George S. Theocharous llc

Paphos, Cyprus

Founded in 2011
3 people in their team
Greek
English
With a professional experience of over 10 years, George S. Theocharous LLC has been serving the Paphos area, as well as the whole of Cyprus and international clients with proven success. We are consistent, patient, and professional, giving each new case our undivided attention whilst walking...
Demetris Ch. Demetriades LLC

Demetris Ch. Demetriades LLC

Nicosia, Cyprus

Founded in 2016
5 people in their team
Greek
English
Demetris Ch. Demetriades LLC is a law firm based in Nicosia, Cyprus specialising in the areas of corporate & commercial transactions, Real estate, Wills & Estate, intellectual property, shipping, investments, immigration and Cyprus Citizenships and Residency.Our portfolio consists of...
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About Mortgage Law in Cyprus

Mortgage law in Cyprus governs the legal issues related to mortgages, which are commonly used by individuals to purchase real estate. A mortgage is a loan that is secured by the property being purchased, with the borrower agreeing to repay the loan over a specified period of time, along with interest.

Why You May Need a Lawyer

You may need a lawyer for mortgage-related issues in Cyprus if you are facing foreclosure, if you are looking to secure a favorable mortgage agreement, if you are disputing the terms of a mortgage contract, or if you are seeking legal advice on any other mortgage-related matter.

Local Laws Overview

In Cyprus, key aspects of mortgage laws include the requirement for mortgage contracts to be in writing, the need for registration of mortgages with the Department of Lands and Surveys, the ability of mortgagees to foreclose on property in the event of default, and the existence of laws governing the repossession and sale of mortgaged properties.

Frequently Asked Questions

1. Can I get a mortgage in Cyprus as a non-resident?

Yes, non-residents can obtain mortgages in Cyprus, but they may face additional requirements compared to residents, such as higher down payments and stricter income verification.

2. What are the typical interest rates for mortgages in Cyprus?

Interest rates for mortgages in Cyprus vary depending on the lender and the terms of the loan, but they generally range from 3% to 5%.

3. How long does it take to complete a mortgage transaction in Cyprus?

The time required to complete a mortgage transaction in Cyprus can vary, but it typically takes between 4 to 8 weeks.

4. What happens if I default on my mortgage in Cyprus?

If you default on your mortgage in Cyprus, the lender has the legal right to foreclose on the property, sell it, and recover their outstanding debt.

5. Can I pay off my mortgage early in Cyprus?

Yes, you can pay off your mortgage early in Cyprus, but you may be subject to early repayment penalties as specified in your mortgage contract.

6. Can I use my property in Cyprus as collateral for a mortgage?

Yes, you can use your property in Cyprus as collateral for a mortgage, which allows you to secure a loan using the property as security.

7. Are there government programs available to help with mortgages in Cyprus?

Yes, there are government programs in Cyprus that provide assistance to homeowners facing financial difficulties, such as loan restructuring and debt relief measures.

8. What are the common fees associated with mortgages in Cyprus?

Common fees associated with mortgages in Cyprus include arrangement fees, valuation fees, legal fees, and insurance fees.

9. Can I transfer my mortgage to another property in Cyprus?

Yes, you can transfer your mortgage to another property in Cyprus, but the new property will need to meet the lender's approval criteria.

10. Should I hire a lawyer for my mortgage transaction in Cyprus?

It is advisable to hire a lawyer for your mortgage transaction in Cyprus to ensure that all legal requirements are met, to review the terms of the mortgage contract, and to provide legal advice on any issues that may arise.

Additional Resources

For further information on mortgages in Cyprus, you may contact the Department of Lands and Surveys, the Cyprus Bar Association, or consult with a local law firm specializing in real estate law.

Next Steps

If you require legal assistance with a mortgage issue in Cyprus, it is recommended to schedule a consultation with a qualified real estate lawyer who can provide you with personalized advice and guidance based on your specific circumstances.

Lawzana helps you find the best lawyers and law firms in Cyprus through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Cyprus—quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.