Manana obviously has many meanings. In the context of mortgages, the Spanish market currently lags behind in terms of the range of lending products available and restrictions on the Loan To Valuation (LTV) and document processing. The mortgage market in the UK is regarded by many as the most advanced market of lending in the world, with applications processed with some level of ease. Having said that, Spain is ever evolving both in terms of the increasing number of financial institutions, (including well known international lenders) and in the products these new institutions are introducing to this competitive market.