We Recommend that you seek legal advise from an independent Spanish Lawyer.
There is a number here in Los Alcazares, Murcia, Spain .
If Considering buying a holiday or to retirement property in Murcia, you can still do this after brexit.
Allow around 10 % to 12% on top of the property purchase
For the 8% Tax - Notary & Stamp 2% - 1% Legal -Fees are always
based on the declared value of the property, (and this of course has a bearing if applying for a
The Spanish Legal regulation in place as" the law of public fees" makes it no longer
possible to declare a very low figure, and the can be penalties for gross
Before you can buy a property in Spain, you need 2 full working weekdays
to do all the Legal aspect and running round opening bank accounts, speaking to
lawyers, going in to Murcia city for N.I.E Tax Number this all takes time .This
is to save coming back over and this will delay your ownership of a property .
This can take 4 to 8 weeks to complete the purchase on the property at
We arrange this with you.
Most of the re-sales Apartments, Townhouses, Villas and finca
properties for sale come furnished including the white goods and in some
cases TV Sky Box ect.
All ways put in a lower offer on property,
We will act for you to get the best possible deal.
As you need to do the following 1)
(1) Make sure you come with a 2000 Euros deposit. this secures the
property and in some case is refundable as long as you have it in writing
on the pre contract should you change your mind to go forward on the property .
You will have to apply for an N.I.E.
number (tax number) to the Police station in Murcia city or Cartagena and fill in the forms and passport
copies are need.
Or your Spanish Lawyer can obtain this for you, with your power of attorney.
This saves time and he can act for you to save you flying over again.
2) You must also open a Spanish Bank Account .
We can arrange to do this prior
to you coming to Spain.
2) 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
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
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 purchase of a
property a deposit of 3000
Euros is required.
Or you might lose that property. You can always take it back.
Many clients have lost there dream home because they did not come prepared.
We will assist in opening bank accounts.
Requirements for a property mortgage are - either arrange this in the UK through your
own bank prior to coming to Spain. Lloyds. Abbey, Santander, Barclays, and many more banks over here in
Los Alcazares Murcia -
If your looking for a Spanish Mortgages or Bank loans you need.-
(b) P60 (If both are working 2 P60 s. will be required)
(c) The last 2 months bank statements or (Tax Cert) &
(Company print out of income from your accountant if Self employed )
(d) Credit Check Report-Confirmation of all outstanding balances on any existing mortgage and any
other loans ie credit card etc.
e) 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 owner ship
We help Find an independent Spanish Lawyer who speaks English.
We can also arrange rental and property management services for your property after
Spain has one of the largest british expatriate communities in the EU and has been at pains to reassure them that their rights will be protected after Brexit!
We are a British Company HPC, Let us help find your place in the sun.
We are Estate & Property Consultants Brokers -
Uk: 0044 (0) 757 2829 148
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