If we dont respond to it. It will make it a fruitless exercise on his/her part. Besides we all know the Halifax Espana has a better product.
All cost associated in transfering is paid by Halifax Espana not the 50%. Only condition is that you have stay to stay with Halifax Espana for five years
Before you all jump on me, I do not work for Halifax in Spain or UK, nor am I an Agent/mortgage broker.