1) You will
have to apply for an N.I.E. number (tax number) to the Police station
and fill in the forms and passport copies are need. We arrange this with you.
Our your Lawyer can obtain this for you with your power of atorney. This saves
time and he can act for you to save you flying over time and time again.
2) You must also open a
Spanish bank account and will need your passport to do this.
3) You will require
to tell your banks in the UK that you will may need to transfer
money to spain quickly. They will give you a
security code number from your U.K branch to transfer money when required.
4) Have whatever funds you
may require in place to save delay and disappointment.
5) Contact your credit
card company to let them know you are going to Spain and may require more than
normal withdrawals.
6) If you require a
mortgage the maximum amount that can be borrowed is 60% / 70%, /
80% depending on the Banks therefore the difference must be in place and made available.
7) Bring a UK Bank Draft
or Cheque Book for the deposit of 2000 " Pounds" In case. Or you
might lose that property. You can always take it back. We have found many
clients have lost there dream home because they did not come prepared
8)
Hartland Property consultants S.L. are Agents for the Royal Bank of
Scotland Abbey National (Bank of Santander Central Hispano ) here
in Spain.
We will assist in opening
bank accounts on you behalf
Requirements for a
mortgage are -
(a) Passports
(b) P60 (If both are
working 2 P60S will be required)
(c) The last 3 months bank
statements or (Tax Cert) & (Company print out of income from your accountant
if Self employed )
(d) Confirmation of all
outstanding balances on any existing mortgage and any other loans ie credit
card etc.
7) It is advisable to have
Spanish wills made out as well as British wills in case there are
complications at a later date.
(This can be done through
a lawyer.) after the property is in your owner ship
Transfer tax (resale property only)
Legal document tax
VAT (new properties only)
Land tax
Notary fees
Stamp duty (new only)
Legal fees
Deed registration fee
Surveyor fee (optional)
Selling agents fee
Utility fee (new only)
We can recommend a number of
independent Lawyer who speaks English and Spanish.
.