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Guide on what you need to have before buying property in Spain

   

Your NIE Number

To buy a Spanish Property you will need a NIE Number, unless you are buying with a Spanish Company.  We can get this number for you within 14-21 days, or you can do it yourselves directly at local National Police Station, takes about 3 months  You will need one for each member of the family if residing here in Spain. Please ask for forms to be sent.

Spanish Bank Account

This is essential, it provides you with a reference and allows you to pay for your Spanish property, and it helps in paying for your service and community charges and local taxes if you are a non-resident. We can help you open an account. Please ask for more information.

Nota Simple

This is a simple copy of the deeds obtained from the local Land Registry, shows at first instance if there are any debts, liens or charges on the property. We can supply an Official Copy from the Land Registry within 24 hours. Will need Finca Number from titled deeds.

Lawyer

Is important that that he/she is independent, the lawyer will undertake to do a 'due diligence' on the property and will advice you on the complex buying process in Spain. Will save you lots of time and will give you peace of mind. Highly recommended that you use a lawyer when buying. Click here for our recommended Lawyers.

Currency Exchange

All important when buying property overseas. Will save you on the UK Bank rates when buying Euros, and will save on some of the commissions charged with the Spanish Banks. Can save you a considerable amount if building a house and making stage payments. Click here for our recommended Currency Partners.

Mortgage

Whilst interest rates are low. Why pay cash? Also it's important that you are protected for heritance tax, having a mortgage is a a way of reducing your debt. Click here for our recommended Mortgage Advisors

Maintenance Contract

Highly recommended having a maintenance contract if buying for investment, rental or a holiday residence, this guarantees the permanent upkeep of the property and your investment. Click here for more information.

Insurance

It is obligatory to have proper house insurance in place when taking out a mortgage. Makes sense to look after the property you have a mortgage on. Click here for our recommended Insurance Brokers.

 

 

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