We have been asked many times about the process of getting a mortgage in Spain. Whether that is in regard to Valencia or any other parts of Spain it’s essentially a standard process. However, it may not be like the process of applying for and getting a mortgage in other countries so today we are looking at the process of getting a Spanish mortgage from start to finish.
Category: Houses For Sale In Spain
Tips For Getting The Most Valencia Property For Your Money
For everyone you want to get the most Valencia Property for your money especially if your currency has tanked before you get here. (Yes, I’m looking at you Britain). Therefore, it’s always good to be reminded about the ways Valencia Property helps you to make the most of your moneyContinue reading
Good News For Buying Valencia Property With a Mortgage
The cost of buying a Valencia Property has just gone down if you are buying with a mortgage. Prior to last month if you got a mortgage with any of the Spanish banks then you had to pay not only the costs of the purchase, including the 10% property purchaseContinue reading
Why Does It Take So Long At The Notary’s Office
One of the strangest things that people find when they are buying a property in Valencia and Spain is that everything seems to go smoothly until it doesn’t. And because of all of the background work we at Valencia Property do along with the lawyers we recommend, the currency companiesContinue reading
How We Organise Your Orientation Day in Valencia
We have been asked many times for help with currency transfers, legal contracts, and a whole host of more day to day issues that people have when buying their Valencia Property. We thought it would be useful to let you know what we do with you as a client whenContinue reading
Saving Money on Your Valencia Property Purchase
If you are buying a Valencia Property, or property anywhere in Spain really, and you are coming from outside the eurozone you want to make the best use of your money of course. You can save when you negotiate the price, by negotiating the furniture perhaps, by choosing the rightContinue reading
Mortgages To Counter Brexit On Valencia Property
A blog post specifically aimed at British buyers today. Let’s not try to hide it away, Brexit has been a disaster for buyers of Spanish property from the UK. The spending power of the pound has been more than decimated and British buyers are looking to whether there will beContinue reading
Why Should I Live in Spain?
Spain! Go on, admit it, the name alone evoked something in your mind when you read it didn’t it. What was it for you? There are very different visions in mind now for different people. From the traditional stereotypical views of flamenco, bulls, white horses, sherry, red wine, and paellaContinue reading
10 Mad Reasons For Not Buying A Property In Spain
Over the years we have had a load of excuses for not buying a Spanish Property. Some of them are fair enough, some of them are rather strange and some of them are on the cusp of a deranged mind working overtime. I really don’t mind if somebody doesn’t want to buy a property, as long as they are honest. After all I try to be honest in the descriptions, my opinions and the properties we offer. But please don’t BS me. So here in no particular order are the top ten mad reasons for not going through with a purchase of a Spanish Property. Over the years we have heard all of them and no doubt we will hear more of them in time.
10 Ways To Save Money When Buying Your Spanish Property
Or ten ways for getting the best value possible when buying Spanish Property.
When you are going to be buying Spanish property you obviously want to get the best value for money. However that does not only mean finding a property and negotiating a price that suits you and then sitting back and congratulating yourself on a job well done. There are so many other ways to save money on your purchase that if you do not do them then your costs for the purchase could be thousands of Euros higher than they otherwise would be. Take a look at ten of the ways in which you can save money when buying your Spanish property.
Rental With an Option To Buy? No Thanks, Not Usually
When you are moving to Spain you have three options really for your accommodation (or four if you bring a tent);
1) Purchase a property
2) Rent a property
3) Rent a property with a purchase option
The first option is fine, the second suits a lot of people too but the third presents problems peculiar to this type of contract and make coming to an agreement that suits both parties rather difficult at times. Let’s look at the issues that can come up:
What Illegalities To Look Out For When Buying Your Spanish Property
When you are looking for a Spanish Property and it is a house as opposed to an apartment (Although we do have an example of a potentially illegal apartment, see number 5), there are certain things you need to bear in mind. Obviously your lawyer will look to see whether the property is illegal but you can save yourself some money by not even suggesting an obviously illegal property to your lawyer to look at.
800 Posts and Still Going Strong. We Take a Look Back
This is the 800th post in Houses For Sale In Spain. That is a lot of posts! Starting before the crisis in Spain when the website was a blogger blog called Valencia Comment (You can see the first post here) the blog has developed over the years keeping people interested in buying property in Spain up to date with developments in the Spanish Property Market and Spain itself.
Once Upon A Time – A Parable For Our Times
Once upon a time a very, very long time ago there was a country where the people were reasonable. In this country people were not driven by greed, people were not driven by stupidity and people were not driven by their own, totally unreasonable, expectations.
Preparing to Move to Spain.
The British Embassy has just released a video about buying property in Spain. It starts off with a lot of stereotypical images of Spain then takes a look at people’s attitudes towards buying in Spain through interviews with those attending the Place in The Sun exhibition a couple of months ago.
100 Reasons to Live in Spain. Part One
I promised a few weeks ago that I would be doing 100 videos in the style of “100 Tips for People Moving To Spain” to give you 100 reasons to live in Spain. Well the YouTube project has started with the introduction video and the first three reasons now on the new playlist here.
The Spanish Energy Efficiency Certificate
This is the last week where you do not need an Energy Efficiency Certificate (EEC) to sell or long term rent your house in Spain. If you haven’t got one then you need to get one, no excuses, no “well, the dog ate it” and big fines for those who don’t in theory.
The New Spanish Residency Law
So it seems the Spanish government has finally decided that they will give residency to anyone who spends over €500,000 on a property or invest 2 million in Spanish debt. (As if)
Let’s look at what effect this will have on the market.
100 Reasons To Move To Spain
100 Reasons to Move to Spain A couple of years ago I did a video series which was very well received called 100 Tips For People Thinking of Moving To Spain (catchy title eh?) well my summer project for this year is another 100 video series and it is goingContinue reading
Some Spanish Property Mortgage News
After two rather hectic weeks in which I have had 13 client visits and managed to make a considerable number of exceptional deals for those clients I am glad to see that things are happening elsewhere too.