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Your essential guide tobuying Spanish property

THE

OFNATIONAL ASSOCIATION

ESTATE AGENTS

NAEA

ABOUT USSince 1985 our group has helped over 10,000 people to safely and securely purchase property in southern Spain.

As one of the largest and most established real estate agents in Spain, our clients have access to an unrivalled range of benefits which include:

Over 500 ‘key ready’ Spanish properties available for purchase.

A selection of exclusive new build properties not available anywhere else.

The opportunity to participate in a one-to-one, relaxed viewing trip with a local, unbiased, bilingual property expert.

Access to great rates of finance from leading lenders in both Spain and the UK.

Friendly in-house experts who will assist with the legalities of buying in Spain, setting up bank accounts, furnishing your property and moving in.

The whole team has exceeded my expectations and I would not hesitate in recommending you all to any new buyers … you made it so easy! PAUL GRIFFITHS, UK

About us p2

Why choose Spain? p3

Which area in Spain is right for you?

p4

Property types in Spain p8

Why consider finance? p12

Funding your Spanish property

p13

Viewing trips p14

What’s next? p16

Our offices in Spain p17

Aside from the fantastic climate, there are many advantages to purchasing a home in Spain!

WHY CHOOSE SPAIN?

RENTING OUT Spanish properties are often a great investment opportunity. With Spain remaining a popular year-round holiday destination you will have the flexibility to earn an income by renting out your property when it suits you.

HOLIDAY HOME With a Mediterranean climate and the sun shining approximately 320 days of the year, owning a property in Spain gives you the opportunity to enjoy sunshine all year round.

RETIREMENT The sun, warmth and dry climate bring a variety of health benefits especially to sufferers of arthritis and rheumatism. Public transport links are easily accessible and the healthcare system is well-supported should you require it. Who wouldn’t want to enjoy their retirement in the Mediterranean sun?

INVESTMENT With UK Banks & Building Societies currently offering low rates, buying a home in Spain can be a shrewd financial move. Statistics show that the Spanish property market is maintaining a steady growth year on year, so now could be a good time to buy a great investment!

HEALTHY LIVING

Good weather, fresh and delicious cuisine and the relaxed lifestyle have officially made Spain the healthiest country in the world!

CHEAP FLIGHTS

Spain is easily accessible from the UK, so in only a couple of hours you can be exploring the Spanish coastline or discovering the secrets of local countryside towns.

LOW LIVING COSTS

Property running costs and living costs are both very reasonable, meaning that even on a budget you can fully enjoy the Spanish lifestyle.

WORLD-CLASS HEALTH CARE

There will be no need to worry about healthcare with exceptional state of the art hospitals and 24 hour pharmacies.

I’m interested!

See pg8 for properties

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With 500+ stunning properties available across the South of Spain, we’re here to help you find the ideal property in an area that is perfect for you.

Whether you’re looking to enjoy the beautiful beaches of the Costa Blanca, the fantastic golf courses of Murcia, or the luxury lifestyle on offer in the Costa del Sol, at Spanish Legal Homes we have over 30 years’ experience of finding our clients their dream homes.

Whatever your property type or location requirements, our expert team would be delighted to find the perfect Spanish home for you.

WHICH AREA IN SPAIN IS RIGHT FOR YOU?

Take a look at our

most popular areas

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Murcia boasts an impressive 250 km of coastline as well as the unique Mar Menor lagoon, further adding to the attraction of this beautiful area.

The seaside is accompanied by rich history and culture with highlights such as the Cathedral de Santa Maria.

Murcia is popular for stunning sea view properties, outstanding golf courses and relaxed residential areas.

We advise clients to have a minimum of £100K for properties

in Murcia

MURCIA

We advise clients to have a minimum of £100K for properties

in Costa Blanca

COSTA BLANCA

With its extensive coastline of over 150 miles of white sandy beaches, it’s easy to see why the name of this area translates as ‘White Coast’.

The climate in Costa Blanca is exceptional, making it one of the healthiest and most sought-after places to live in Europe.

Costa Blanca is well known for its vivid scenery, beaches and delicious Mediterranean food.

COSTA DEL SOL

One of the favourite regions for sun seekers in Spain is the exclusive city Marbella.

The 150 km of coastline is home to numerous luxurious bars, restaurants and shops, making Costa del Sol properties extremely sought-after.

Costa del Sol is known for luxury living by the sea, villas with private pools and friendly expat communities.We advise clients to have

a minimum of £250K for properties in Costa del Sol

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TYPES OF PROPERTY IN SPAINWhether you’re looking for a modern family villa or a luxury apartment to escape to, we are sure to have the perfect property for you!

Villas often benefit from multi-floor architecture and private gardens, whereas apartments are more likely to be on the beach, frontline at a golf course or situated in a local town. Townhouses and bungalows are mostly located in the quieter suburbs and offer their own benefits, such as often featuring sun terraces and private parking. There really are advantages to each Spanish property type!

NEW BUILDS

Demand is high for new build properties and there are many new, and under-construction developments in the Costa Blanca and Costa del Sol. The purchasing process is usually quicker and easier than for resale properties; once the property has been fully built, you can simply move in! Spanish Legal Homes in association with Euro Prestige have over 30 new complexes being constructed in prime locations.

There are many benefits of selecting a new build property, such as usually including a 10-year architecture warranty. There is also often the opportunity to amend the build during development to further meet your needs.

Demand for brand new homes is high - 30% of our sales are new

builds!

Take a read through our most popular property styles.

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APARTMENTS

There is a huge selection of apartment styles to choose from in all budget ranges.

Apartments have low running costs which make them attractive as holiday homes. Most apartments also benefit from well-kept communal gardens, swimming pools, and a sense of community. We offer apartments in residential areas, close to the beach, on golf courses, and inner town locations.

With an apartment in Spain, you have a convenient ‘lock up and leave’ holiday home to enjoy when you need a sunny escape.

Easily access the Mediterranean lifestyle

VILLAS

Our extensive portfolio of detached villas includes ultra modern and eco-friendly properties.

Villas benefit from private plots of land and often boast their own pools and gardens as well as off-road parking.

If you’re looking to share your home in Spain with friends and family, villas are the perfect choice as they often feature spacious living areas and multiple bedrooms.

Have your own private plot of land in the Spanish sun

TOWNHOUSES & BUNGALOWS

Many townhouses benefit from sun terraces, parking, private gardens and often the inclusion of a rooftop solarium.

Properties frequently come with use of a communal swimming pool, and landscaped gardens. Townhouses and bungalows are mostly found in established local areas where you can enjoy a neighbourly community with shops and amenities close by.

Townhouses & bungalows offer large interior space, typically with 2

or 3 bedrooms

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PROPERTIESCOSTA BLANCA Budgets less than €250,000

Enjoy the ‘White Coast’ with its 70km of safe, sandy beaches, in an affordable Costa Blanca property.

3 bed2 bathAPARTMENT €89,900

2 bed2 bathAPARTMENT €129,000

3 bed2 bathVILLA €181,900

2 bed2 bathVILLA €196,900

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PROPERTIESCOSTA DEL SOL Budgets more than £250,000

Costa del Sol is known for luxury living, 320 days of sunshine, and abundance of restaurants and bars.

2 bed2 bathAPARTMENT £257,000

2 bed2 bathTOWNHOUSE £270,000

3 bed3 bathSEMI-DETACHED £284,000

3 bed3 bathVILLA £495,000

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OWN YOUR PROPERTY QUICKER If you’ve been saving to buy for a while, why wait any longer? By obtaining the extra finance required, you can purchase earlier than you planned and enjoy your place in Spain sooner than expected!

ACCESS TO BETTER PROPERTIES AND/OR AREASBy securing or having access to extra funding you could buy something better or bigger and in a more desirable location! The jump from a 1 bed to a 2 bed apartment, or from an inland location to a coastal hotspot, could open doors to a better quality of life, long term investment, and higher rental returns.

REDUCE THE IMPACT OF A WEAKENED £ You can pay off a Spanish mortgage balance at any time without paying heavy redemption penalties. Many of our clients require this flexibility on their mortgages, so when the ‘£ Sterling’ gets stronger they can choose whether to pay off the balance.

IT’S EASIER THAN YOU MAY THINK! The average timescale for a Spanish mortgage is 6-8 weeks, however you can obtain an Agreement in Principle (AIP) for a property you wish to buy within two working days! This means all your finances can be organised before you fly out to view properties.

WHY CONSIDER FINANCE?

Finance all sorted? Continue on to pg 12

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UK FINANCINGWe have UK based financial advisers ready to help you complete the process of sourcing funds to purchase a property in Spain.

Raising funds for your Spanish property in the UK is normally quicker and easier than obtaining a Spanish mortgage. It also allows finance to be organised before you go to view or purchase any properties in Spain.

Our knowledgeable and trustworthy UK based financial advisers regularly assist genuine buyers in securing finance via:

Mortgages

Re-mortgages

Equity release

Secured and unsecured loans

SPANISH FINANCEObtaining a Spanish mortgage may be easier than you think! Through our broker partners, we can help you obtain a Spanish mortgage on all of the properties in our portfolio.

Our knowledgeable partners will advise you on the best course of action, discussing the benefits and potential costs you could incur when applying for a Spanish mortgage.

We choose to only work with the major Spanish high street banks, and to ensure a smooth process, your mortgage must be arranged, as well as pre-accepted, in Spain.

Our preferred advisors will be on hand to guide you through the entire process to make sure you have all relevant information and paperwork.

For non-resident mortgages to be obtained, you will typically need to have a minimum of 30-40% cash deposit.

So now that you know some of the benefits of finance, it’s time to consider the best finance option for you. Did you know over 40% of UK people will raise some finance to purchase a home abroad?

Our team can put you in touch with trustworthy financial experts who will talk you through each of the finance options that are available to you, either in Spain, the UK, or both.

FINDING THE RIGHT FINANCE FOR YOU

If you have the funds in place, you will need to transfer the money into Euros. Banks can charge in excess of 4%, so to save money we can put you in touch with ‘A Place in the Sun Currency’ who only charge around 1%. To register now, simply call 0800 622 6522 and quote Spanish Legal Homes.

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VIEWING TRIPS

The very best way to view property in Spain

For over 30 years we’ve coordinated relaxed viewing trips that allow participants to view a number of hand-picked properties.

To date, our expert team have helped more than 10,000 clients to successfully buy a property in Spain!

Our 3-4 day, one-to-one property viewing trips are the best way to see plenty of properties in your preferred locations, and that fall within your budget.

Our bilingual property experts will take you to 8-10 properties a day that match your requirements, whilst also sharing their inside knowledge of the local areas to help make finding your dream home as easy as possible.

We know that choosing to purchase your new home in Spain is a big decision, so with no pressure to buy, you can relax and make the decision in your own time.

ONLY

PER PERSON £99

BOOK A VIEWING TRIP

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Our inclusive 3- 4 day £99 per person viewing trip consists of:

Return flights from most UK airports on dates that suit you.

3 nights at 3 or 4* hotel accommodation.

Breakfast, a light lunch, refreshment breaks and evening dinner in different restaurants, so you get a feel for the social life on offer.

Informative viewings of areas, local facilities and properties with our friendly and helpful property experts on a relaxed one to one basis.

View 8 -10 different properties a day in your chosen locations and preferred budget range.

There is no pressure whatsoever, just honest facts. The decision to buy or not is entirely yours.

VIEW PROPERTY THE EASY AND SAFE WAYOur friendly staff are always on hand to offer assistance and guide you through the entire purchasing process.

They have extensive knowledge of the local areas so are more than happy to show you around.

Our weekly one-to-one viewing trips are led by Spanish property experts

What happens after you buy?

Turn over to learn about our

aftersales service!

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At Spanish Legal Homes our staff will be on hand, even after you’ve purchased your home in Spain. Some of the things that we can help you with include:

Furnishing your new home

Arranging removals

Putting you in touch with banks, tradespeople, and even providing restaurant recommendations

If you’re looking to rent out your home in Spain we can introduce you to companies who can help you manage the process

We pride ourselves on our aftersales service, so if you have any questions all you have to do is ask!

WHAT’S NEXT?You’ve been on a viewing trip, found your dream property, and the purchase process is progressing as planned, so what now?

Not only were you professional in your job, but you made us feel like we were old friends.

You should feel very proud as an employee, as we are sure you actually make all your clients dreams come true!

TRACEY & STEVE

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OUR OFFICES IN SPAINOur prestigious showrooms in Costa del Sol, Murcia and Costa Blanca are open 7 days a week for property viewings.

Our friendly and knowledgeable team are here to assist you throughout your whole Spanish property journey, with:

Costa Blanca/Murcia properties from 100,000

Costa del Sol properties from 250,000

Low cost Spanish mortgages arranged (sts)

Weekly relaxed, informative local property viewings

Torrevieja (+34) 966 704216

Marbella (+34) 952 926851

Keys to over 500 properties on south coast of Spain

Huge variety new build apartments, townhouses, bungalows and villas

Over 10,000 homes in Spain safely sold to happy clients

Spoilt for choice

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THE

OFNATIONAL ASSOCIATION

ESTATE AGENTS

NAEA

... might as well enjoy it in the Spanish sun!

For full up to date prices and more detailed information visit our website

www.spanishlegalhomes.co.uk

We only have one life....

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