Short Answer: Most are allowed to buy, in certain cases not Long answer: Most foreigners can buy property in Spain, regardless where they are from. However, buyers from countries under international sanctions or considered high-risk (blacklisted) may face restrictions. Reach out to me when you have any questions about this

You should budget an extra 10% for a Resale Property, up to 15% for a New Build Property on top of the property price, for legal fees, and other related costs When you have any other questions about this, reach out to me and I will be happy to explain

My service fee is covered by the seller, another agency or developer, therefore buyers don´t pay extra for my service.

GENERALLY; Initial Consultation: Let’s discuss your ideal property. I’ll gather details about what’s important to you so I can tailor my search effectively. Property Search: Based on our conversation, I’ll conduct a comprehensive search and create a shortlist of the best options for you. Visit Costa del Sol: When you arrive, we’ll tour the shortlisted properties together. Select Your Favorites: After viewing the properties, you can choose your top options to move forward with. FOR RESALE PROPERTIES: Reservation Agreement: If you choose a resale property, you’ll sign a reservation agreement and transfer a deposit to your lawyer’s account in Spain. Offer Process: If your offer is accepted, the deposit will be applied toward the purchase price. If it’s not accepted, you can make another offer, keep the deposit for a different property, or request a refund. FOR OFF PLAN DEVELOPMENTS: Reservation: You’ll sign the reservation papers at the development’s sales office and make an initial bank transfer to the developer. Payment Schedule: Further payments will be made during the construction process, as outlined in the purchase agreement. FINALISING THE INVESTMENT: FOR RESALE PROPERTIES: After your lawyer completes due diligence, you’ll sign the final contract at a notary and receive the keys to your new home. FOR OFF PLAN DEVELOPMENTS:Upon completion, you’ll receive the keys from the developer after your final payment. Enjoy Your New Home: Celebrate your new home and all the wonderful experiences that await you in Spain!

1. Identification: Passport: A valid passport or national ID for EU citizens. NIE Number: A Número de Identificación de Extranjero (NIE) is essential for all foreigners buying property in Spain. This is your tax identification number in Spain. 2. Proof of Income: Financial Documents: Recent bank statements, payslips, or tax returns may be required to demonstrate your financial stability and ability to fund the purchase. 3. Purchase Agreement: Reservation Agreement: A document that confirms your intention to purchase the property, often accompanied by a deposit. Private Purchase Contract: A legally binding agreement detailing the terms of the sale, including price, payment schedule, and any conditions. 4. Property Documents: Title Deed (Escritura): This proves ownership of the property. Land Registry Extract: A document from the local land registry showing the property’s legal status and any existing charges or encumbrances. 5. Property Tax Documents: IBI Receipt: Proof of payment for the local property tax (Impuesto sobre Bienes Inmuebles) for the current year. Utility Bills: Recent utility bills to confirm that there are no outstanding debts associated with the property. 6. Legal Representation: Lawyer’s Contact Information: It’s advisable to have a lawyer familiar with Spanish property law to guide you through the process and help with documentation. 7. Final Contract and Payment: Final Deed (Escritura de Compraventa): This is signed at the notary’s office when the sale is finalized. Bank Transfer Receipt: Proof of payment for the purchase price and any additional costs. Additional Considerations Mortgage Documents: If you’re financing the purchase, you’ll need additional paperwork related to your mortgage application. Insurance Documents: Proof of home insurance may be required by lenders. here

The timeline for buying a property in Spain can vary depending on several factors, including the type of property, whether you’re purchasing through a developer or a resale, and your individual circumstances. Here’s a general outline of the process and estimated timeframes: 1. Preparation Phase (1-4 weeks) Initial Research: This includes deciding on the location, type of property, and budget. NIE Number: Obtaining your Número de Identificación de Extranjero (NIE) can take a few days to a few weeks. 2. Property Search (1-4 weeks) Selecting Properties: Depending on how many properties you wish to view and your schedule, this phase can take a few days to few weeks. Viewing Properties: Depending on how many properties you wish to view and your schedule, this phase can take 2 to 3 days. Selecting a Property: Once you view a property or development you like, you may need time to negotiate the price and terms . 3. Signing Agreements (1-2 weeks) Reservation Agreement: Typically signed quickly once an agreement is reached, often with a deposit (usually 5,000 euros that is sent to lawyer account). Private Purchase Contract: This can be drafted and signed within a week or two after the reservation. 4. Due Diligence (generally up to 2 weeks) Legal Checks: Your lawyer will conduct checks on the property, including title, taxes, and debts. This usually takes a couple of weeks. Mortgage Approval (if applicable): If you’re financing, securing mortgage approval can add a few weeks to this phase. 5. Final Steps (1-2 weeks) Signing the Final Deed: This takes place at a notary’s office, usually within a week after due diligence is completed. Payment: The final payment is made at this time, and you receive the keys to your new property. 6. Post-Purchase (1-2 weeks) Registering the Property: This can take a 2 to 4 weeks, depending on the local land registry and any holidays in between. Total Timeframe Overall, the entire process can take anywhere from 2 weeks for a cash investment to 6 weeks with a mortgage investment on average, but it could be shorter or longer depending on specific circumstances, including the efficiency of the lawyer, your readiness to make decisions, and any potential delays in documentation or financing. It’s advisable to be prepared and work closely with a lawyer to streamline the process and avoid any unnecessary delays.

While it’s not strictly necessary to open a Spanish bank account when buying a property in Spain, it is highly recommended for several reasons: Reasons to Open a Spanish Bank Account: Facilitating Payments: Many property-related transactions, such as the deposit, notary fees, and property taxes, are typically paid in euros. Having a local account simplifies these transactions. Mortgage Payments: If you’re financing your purchase with a mortgage from a Spanish bank, you’ll need a local account to manage your mortgage payments. Ongoing Expenses: After purchasing, you’ll need to pay utility bills, property taxes, and community fees. A Spanish bank account makes it easier to manage these recurring payments. Currency Exchange: If you’re transferring money from another country, you may incur fees or unfavorable exchange rates. A local account can reduce these costs and simplify transfers. Legal and Administrative Requirements: Some legal procedures may require a Spanish bank account, especially if you’re working with a lawyer or notary. How to Open a Spanish Bank Account: Documentation: You’ll typically need your passport, NIE number, proof of address, and sometimes proof of income or employment. Types of Accounts: Consider whether you need a basic account or one tailored for non-residents, which may have different features and fees. In summary, while you technically can manage without a Spanish bank account, having one can significantly ease the process of buying property and managing your finances in Spain.

Real estate agents typically have access to various property listings through Multiple Listing Services (MLS), relationships with developers, and direct connections with property owners. Here’s how they generally access a wide range of properties: Multiple Listing Services (MLS): Many agents are members of MLS platforms, which allow them to share and access property listings from multiple sources. Developer Partnerships: Agents often work directly with property developers, gaining exclusive access to new developments and off-plan projects. Online Platforms: Agents also use popular real estate websites and platforms where properties are listed for sale, providing a broad overview of available options. Customized Searches: By discussing your specific needs and preferences, agents can filter through available listings to find the best matches for you.

After purchasing a property in Spain, there are several types of after-sales support available to help you settle in and manage your new home. Here’s a breakdown of common services and support options: After-Sales Support: Legal Support Ongoing Legal Advice: Assistance with any legal matters post-purchase, including property registration and tax issues. Property Management Services Rental Management: Comprehensive services for managing rental properties, including tenant relations and maintenance. Maintenance Services: Regular maintenance and repair services for your property. Utility Setup and Assistance Connecting Utilities: Help with setting up electricity, water, internet, and other utilities. Change of Ownership: Assistance in transferring utility accounts into your name. Insurance Services Property and Health Insurance: Guidance on obtaining appropriate property and health insurance to protect your investment and well-being. Financial Services Currency Exchange: Recommendations for reliable currency exchange services for managing funds in euros. Tax Advisors: Connections to tax advisors for understanding your tax obligations in Spain. Local Services and Recommendations Moving Services: Suggestions for reputable moving companies to assist with your relocation. Car Rental: Recommendations for local car rental services for your transportation needs. Furniture Packages: Options for purchasing or renting furniture packages tailored to your style. Interior Design: Assistance from interior designers to help you style your new home. Kitchen Suppliers: Recommendations for local kitchen suppliers for renovations or updates. Security and Maintenance Home Security: Guidance on installing home security systems to ensure your safety. Handymen: Recommendations for skilled handymen for various home repairs and maintenance tasks. Property Management: Ongoing property management services for those who wish to rent out their homes or need regular upkeep. Communication Services Satellite/Internet Services: Assistance in setting up satellite TV and internet services to keep you connected. Community Integration Local Area Information: Guides to local amenities, schools, healthcare, and leisure activities to help you acclimate. Expat Networks: Connections to local expat communities for support and social opportunities. Advice on Schools and Banking Schools: Information and advice on local schools and educational options for families. Banking: Guidance on opening a Spanish bank account and navigating local banking services. By utilizing these comprehensive after-sales support options, you can ensure a smooth transition into your new property and a more enjoyable experience living in Spain!

Yes, as a non-resident, you can obtain a mortgage in Spain, but there are some important considerations and requirements to keep in mind: Key Points for Non-Resident Mortgages: 1. Eligibility: Most Spanish banks offer mortgages to non-residents, but terms may vary between lenders. You typically need to provide proof of income, financial stability, and details of any existing debts. 2. Deposit Requirements: Non-residents often face higher deposit requirements, typically ranging from 20% to 40% of the property’s purchase price, depending on the lender and your financial profile. 3. Loan-to-Value (LTV) Ratio: The LTV ratio for non-residents is generally lower than for residents. This means you can borrow a smaller percentage of the property's value. 4. Documentation Needed: Identification: A valid passport and your Número de Identificación de Extranjero (NIE). Proof of Income: Recent payslips, bank statements, or tax returns to demonstrate your financial situation. Credit History: Some banks may request a credit report from your home country. 5. Interest Rates: Interest rates for non-residents can be slightly higher than those for residents, and they may be fixed or variable depending on the lender. 6. Repayment Terms: Mortgage terms can range from 10 to 30 years, and the repayment structure may differ from what you're used to in your home country. 7. Legal Advice: It’s advisable to work with a lawyer who specializes in Spanish property law to help you navigate the mortgage application process and ensure all legal requirements are met. 8. Costs and Fees: Be prepared for additional costs such as notary fees, registration fees, and property taxes, which are usually associated with purchasing property in Spain.

Personally I don´t deal with rental properties, however I have built a good network of rental agencies and agents that I can connect you with in order for you to find your ideal property.

Short Answer; Absolutely! Long Answer: I can directly connect you to specific lawyers, I can also guide you on how to find a reputable legal professional in Costa del Sol in Spain. Here are some steps to consider: Recommendations: I can recommend several local law firms that specialize in property law and have experience working with international clients. If you’d like, I can share my trusted contacts. Online Resources: You can check the Spanish Bar Association website for a list of registered lawyers. Websites like Expatica and Lawyers in Spain also provide listings and reviews of legal professionals. Expat Communities: Engaging with local expat groups on social media can be a great way to get personal recommendations from others who have been through the process. Initial Consultations: Once you have some options, I recommend scheduling consultations to discuss your specific needs and ensure the lawyer is a good fit for you. Credentials: It’s important to verify that the lawyer is registered with the local bar association and has a solid reputation for handling property transactions. If you need any further assistance or specific recommendations, just let me know, and I’ll be happy to help!

Short Answer; No, you don’t need to be in Spain to buy a property there. Many international buyers successfully purchase properties in Spain while residing in their home countries. Long Answer: Here’s how it typically works: Buying Property from Abroad Virtual Viewings: Many real estate agents offer virtual tours of properties, allowing you to view them without traveling to Spain. Representation: You can hire a local lawyer or real estate agent to represent you and handle negotiations on your behalf and arrange a power of attorney for them from the country you are staying at. NIE Number: You will need a Número de Identificación de Extranjero (NIE), which you can obtain while in Spain or through the Spanish consulate in your home country. Documentation: You can often complete much of the paperwork remotely. Your lawyer can guide you through the necessary documentation and legal requirements. Bank Transfers: Property transactions typically involve transferring funds, which can be done internationally. It's advisable to open a Spanish bank account for ease of transactions. Signing Contracts: While you can sign contracts remotely, it’s often best to have a notary public in Spain handle this. Alternatively, you may grant power of attorney to your lawyer, allowing them to sign on your behalf. Finalizing the Purchase: The final deed (escritura) can be signed in Spain, but with a power of attorney, you don’t need to be present. Conclusion While being in Spain can simplify some aspects of the process, it’s entirely possible to buy property from abroad with the right support and preparation. If you need assistance or further information, I’m here to help!

Short Answer; Buying an Off Plan development on Costa del Sol gives you more safety nowadays due to bank guarantee or bank insurance on the development Long Answer: Buying an off-plan development in Spain can be a safe investment, but it’s essential to approach it with caution and do your due diligence. Here are some important considerations: Benefits Potential for Capital Gains: Purchasing off-plan often allows you to buy at a lower price before completion, which may lead to significant appreciation in value. Customization Options: Many developers offer the chance to customize finishes and layouts, making the property uniquely yours. New Builds: New developments typically feature modern amenities and comply with the latest building regulations. Risks Project Delays: Off-plan developments can experience delays be prepared for potential changes in completion dates. Contractual Terms: Carefully review the contract to ensure it includes protections for your deposit and outlines what happens in case of delays or changes. Important Safeguards Bank Guarantees: When purchasing an off-plan property, ensure that your deposit is protected by a bank guarantee. This means that if the developer fails to complete the project, the bank will refund your deposit. It is a legal requirement in Spain for most off-plan properties. Bank Insurance: In addition to bank guarantees, check if the developer has bank insurance that covers the completion of the project. This insurance protects buyers by ensuring that funds are available to complete the development, even if the developer encounters financial difficulties. How to Ensure a Safe Purchase Hire a Lawyer: Engage a lawyer specialising in Spanish real estate to review contracts and protect your interests. Research the Developer: Investigate the developer’s reputation, past projects, and customer reviews. Understand Payment Structures: Familiarize yourself with the payment schedule and ensure your deposits are secured by Spanish law. Visit the Site: If possible, visit the development site to assess progress and speak directly with the developer about timelines. Check for Guarantees: Look for guarantees related to construction quality and completion timelines. Conclusion While buying an off-plan development in Spain can be a safe investment, it’s important to take the necessary precautions. By conducting thorough research and working with trusted professionals, you can make an informed decision. If you have any further questions or need assistance, feel free to reach out!

Short Answer: The Golden Visa in Spain is a residency program designed to attract foreign investors by granting them and their families the right to live and work in Spain in exchange for significant investments in the country. Long Answer: Here’s an overview of the program and eligibility requirements: What is the Golden Visa? The Golden Visa allows non-European Union (EU) citizens to obtain residency in Spain through qualifying investments. It aims to stimulate the Spanish economy by attracting foreign capital and investment. Eligible Investment Options To qualify for a Golden Visa, you must make one of the following investments in Spain: Real Estate Investment: Purchase property in Spain valued at a minimum of €500,000 (free of any mortgages). Capital Investment: Invest at least €1 million in Spanish company shares or public debt. Business Project: Create a business project that will be of general interest to the Spanish economy. Job Creation: Invest in a business that creates jobs for Spanish citizens. Eligibility Requirements To be eligible for the Golden Visa, you must meet the following criteria: Age: You must be at least 18 years old. Clean Criminal Record: You must have no criminal record in Spain or in your country of origin for the past five years. Health Insurance: You must have private health insurance that provides coverage in Spain. Financial Means: You must demonstrate sufficient financial resources to support yourself and your family while living in Spain. Application Process Make the Investment: Complete the required investment in Spain. Gather Documentation: Prepare the necessary documents, including proof of investment, financial statements, criminal record certificates, health insurance, and identification. Apply for the Visa: Submit your application at the nearest Spanish consulate or embassy, or directly in Spain. Receive Residency: If approved, you will receive a residency permit valid for one year, which can be renewed for two additional years. After five years, you can apply for permanent residency. Benefits of the Golden Visa Residency for Family Members: You can include your spouse and dependent children in the application. Travel Freedom: The Golden Visa allows you to travel freely within the Schengen Area. Pathway to Citizenship: After ten years of residency, you may be eligible to apply for Spanish citizenship, subject to meeting certain criteria. Conclusion The Golden Visa program in Spain offers an attractive option for foreign investors seeking residency and a gateway to Europe. If you’re considering applying, it’s advisable to consult with a legal expert specialising in immigration and investment to guide you through the process and ensure compliance with all requirements. If you have further questions or need assistance, feel free to ask!

I collaborate with all developers and real estate agencies on Costa del Sol West from Malaga city to Sotogrande area and therefore have access to all properties. The areas that I cover on Costa del Sol West are; Malaga City, Torremolinos, Benalmadena, Fuengirola, Mijas, Marbella, Estepona, Manilva, The areas that I cover in Cadiz are; Sotogrande, San Roque, La Alcaidesa This offers a variety of options for different lifestyles and budgets. Whether you're looking for a vacation home, permanent home or an investment property, I can assist.

My services include: Property Search & Personalised Viewings: Helping you find your ideal home and arranging tailored property tours. Expert Guidance: Providing insights on the best off-plan and existing properties, backed by deep knowledge of local developers. End-to-End Assistance: Connecting you with trusted legal firms, mortgage advisors, and property inspectors to ensure a smooth purchasing process. After-Sales Support: Assisting with furniture selection, renovations, alarm installations, recommending reliable property management services, architects and more. Local Expertise: Offering practical advice and recommendations to help you settle into your new home comfortably. From the first consultation call to finalising the purchase and beyond, I’m here to make your journey smooth.