Building surveys Spain

Building surveys Spain

In the UK, buyers always use a qualified building surveyor or structural engineer to undertake a detailed report on the condition of a property before buying it. Indeed, it is almost unheard of to do otherwise. Incredibly, many people buy property in Spain without doing this. All too often they heed the advice from people [...]

Currency Transfer

Currency Transfer

Currency Transfer and Exchange Rates One of the best ways of losing money quickly (and often unnecessarily!) is to exchange money from one currency to another and then to transfer that money from one country to another. If you do this carelessly then it can be a very costly experience. As a consequence, you should [...]

Mortgages in Spain

Mortgages in Spain

Obviously, mortgages and loans exist in Spain and are as widely used as in the UK – with the marketplace for loans and mortgages just as potentially confusing! However, it is important to recognise that the amount that you can borrow on a property in Spain differs depending on whether or not you are fiscally [...]

Lawyers in Spain

Lawyers in Spain

Legal practice in Spain varies considerably.  Some lawyers in Spain are excellent and provide a very professional level of service.  However, other lawyers in Spain are poor and act for clients despite an outrageous conflict of interest.  This can be exacerbated by a lack of specialist expertise resulting in many lawyers in Spain undertaking just [...]

Banking in Spain

Banking in Spain

If you are thinking of banking in Spain then, in principle, you are spoilt for choice – or are you? There are dozens of banks in Spain including a number of savings banks in Spain called Cajas or Caixas.  The latter are often regional and some have very few branches, albeit that la Caixa is [...]

NIE Numbers in Spain

NIE Numbers in Spain

You cannot sign an escritura (in UK terms ‘complete’) on any real estate in Spain unless you have an NIE number. This number is an individual fiscal identity number that is issued by the Spanish authorities (the Policia Nacional) and that is granted as of right to an EU citizen. However, it needs to be [...]

Spanish property: building insurance cover (how much do you need?)

Spanish property: building insurance cover (how much do you need?)

A common question asked by most purchasers and existing owners when taking out building insurance cover on their Spanish property is: how much cover do they actually need? As most insurers benefit from the higher premiums associated with over valuation, they are less likely to give you detailed advice on how much you should insure [...]

CULTURE SPAIN - LAWYERS IN SPAIN

CULTURE SPAIN – LAWYERS IN SPAIN

“So, having asked him for his Escritura (property deeds), he handed me,” my Spanish lawyer friend said, despairingly, “a receipt for 140,000 Euros…” “A receipt?” I queried. “Yes. The type of numbered receipt that you would get from your plumber for fixing your washing machine. The sort which has a carbonated copy within the invoice [...]