SERVICES
BANKING & MORTGAGES
If you need a mortgage to purchase a property in Spain, we can recommend the best banks to work with based on your circumstances. We can also connect you with top mortgage brokers who can secure the most competitive rates and services for you.
We strongly advise applying for a mortgage and obtaining a mortgage agreement in principle before viewing any properties. This is important for several reasons:
- It helps determine how much you can borrow, allowing us to filter property options based on your budget.
- It prevents disappointment if you find the perfect property but have to pause your search while arranging your mortgage, during which time the property could be sold.
- It strengthens your negotiating position, as having a mortgage in place demonstrates your readiness to proceed.
Taking these steps in advance will streamline the buying process and improve your chances of securing your ideal property. Furthermore, applying for a mortgage through our recommended brokers is completely free of charge, ensuring you get expert advice and the best rates without any additional cost.
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FURNITURE & HOME SET UP
If you are purchasing an off-plan property that has never been lived in or wish to update the furniture in a resale home, we can guide you in the right direction. Whether you need a complete furniture package or just a few key pieces, we can advise one of our trusted partners who offer tailored solutions to suit your needs.
They provide options across all price ranges and quality levels, depending on your personal preferences. Their expertise lies in high-quality furniture for the entire home, including living room, dining room, bedroom, and outdoor furniture, as well as lighting and home accessories.
Additionally, they can offer a wide range of furniture packages, whether for individual rooms or a whole property. These are ideal for furnishing a holiday home, equipping a rental investment, or staging a property for sale, ensuring a stylish and practical finish.
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CURRENCY EXCHANGE
We strongly recommend using a currency broker when exchanging your money into Euros, regardless of the currency you are converting from. Foreign exchange is a crucial aspect of property purchases, and we only recommend the most reliable providers based on our expertise and experience.
Your Property Concepts’s trusted partner, Easy FX, you can navigate foreign exchange with confidence. They eliminate financial jargon, making international transactions straightforward, secure, and cost-effective. This ensures you get the best exchange rates with minimal hassle, helping you maximise your budget.
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LEGAL SUPPORT
We strongly recommend using a real estate lawyer when purchasing a property in Spain. A lawyer will conduct thorough due diligence to ensure the property is free from any legal issues, debts, or encumbrances. They will also review all contracts to ensure the terms of the purchase agreement fully protect your interests.
To make the process even simpler and stress-free, the lawyer will also open a bank account for you and arrange the setup of all utilities at your new address after completion.
If you do not already have an NIE number (a tax identification number required for property transactions in Spain), your lawyer can assist you in obtaining one.
Additionally, if you grant them power of attorney before the purchase, they can handle the entire process on your behalf, including securing your NIE number and even signing the completion documents, allowing you to be anywhere in the world while your purchase is finalised.
We can arrange for you to meet a trusted lawyer in person and set up power of attorney while viewing properties with us. This is a highly recommended step to ensure a smooth and hassle-free property purchase.
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BUILDERS & RENOVATIONS
If you are looking to completely renovate your new home or make smaller updates, such as installing new bathrooms or kitchens, we can connect you with one of our trusted partners to assist with the work.
Whether during the buying process or after completion, we are happy to arrange for our reliable builders to visit the property and provide a free quote for any work you need. Finding a trustworthy builder can be challenging, but we take the stress out of the process by introducing you to professionals we know and trust.
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