Services

Lovespain.com has helped thousands of people to discover the joys of Spanish life and property ownership. Over the last few years we’ve learnt a thing or two about project management and interior design, we know the best people to contact for foreign currency exchange, English speaking legal advice, valuations and surveys and much more.

So even before you’ve bought your property we can help you find the right representation, finance and then guide you through the buying process and beyond.

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Currency
Exchange
currency

Whatever you can do to save money – without cutting corners – is a good idea. This applies to buying property in a different country. The exchange rate can make a huge difference to the amount you pay for your property in your own currency.

Most of our overseas clients use the services of ‘currency exchange’ to save money on this important and costly transaction. The reason is, that even the large banks offer exchange rates that vary considerably between each other, leaving you at their mercy and exposed to fluctuations in their exchange rates.

To make life even easier for you, lovespain.com has joined forces with MoneyCorp to help you reduce the risk whilst you’re buying your property.

Benefits of using lovespain.com / MoneyCorp currency exchange service:

  • Save money on currency exchange – you get the best rate
  • Make exchanging money and transferring funds as simple as possible
  • Reduce your risk of losing money on currency fluctuations
  • Have more control over your finances

How it works
Instead of accepting the exchange rate offered by your high street bank, MoneyCorp call the trading floors to negotiate a rate directly on your behalf, which can save you thousands of pounds.

You can also save money by fixing your currency exchange rate for a future purchase, to insulate yourself against adverse rate fluctuations.

Unlike your bank with an enormous staff and overheads, MoneyCorp specialises in this one area of finance which allows them to give you a much better deal.

We can help you get the best exchange rates on sums ranging from £1,000 to £10,000,000.

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Enquire about currency exchange services

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Furniture
furniture

Some clients find that furniture from your home country doesn’t quite suit and others prefer to start from scratch, buying completely new for each room. Either way, shopping for furniture and decoration can be time consuming at the best of times, and doubly so if you don’t know the shops or products available. If you want to move straight into your new Spanish home without the hassle of shopping for new furniture, you are not alone and we have a tried and tested solution which won’t cost you a penny.

Lovespain.com has qualified interior designers who are on-hand to help you create the Spanish home that you’ve been dreaming of. We can accompany you to the most appropriate stores and help you choose the most suitable type of furniture and soft furnishings, making sure you get the best value for money.

We have experience of working with all budgets, tastes and nationalities, and in very tight timeframes, whether you want the complete design service or guidance on where to pick up some plates or kitchen utensils, we’ll be happy to help.

  • Verify that there is in fact a Title Deed and that the vendor owns the property and has the legal authority to sell it.
  • Ensure the property doesn’t have a tenant (it can be difficult to evict long-term tenants) and that you will have vacant possession.
  • Check for development plans that may adversely affect the property’s value or future expenses for future roads etc.
  • Confirm that the Title Deed accurately records the boundaries, measurements and gives a true description of the property.
  • Ensure that the necessary permits are in place for utilities and that the property is registered with the urban development office and is legally built in accordance with the ‘town plan’.
  • Check that beachfront property is registered with the coastal authority and has the correct building licence.
  • Ensure that a new build has the necessary certificates and occupancy permits. If not, it will not be possible to connect utilities.
  • Obtain a ‘referencia catastral’ and make sure there are no outstanding debts, including taxes, loans, mortgages, utilities etc.
  • Obtain a certificate from the ‘community’ stating whether there are any unpaid community fees for the last 5 years.
  • Check that the utility bills have been paid over the last few years.
  • Ensure the Title Deed is handed over in order to officially register you as the owner of the property.

It’s important to remember, that all unpaid debts will be inherited by you, but your lawyer can identify any issues and deal with them prior to completion.

Purchasing process

  • Reservation deposit and contract. This removes the property from the market and lawyer will make the necessary searches.
  • Exchange private purchase contracts and pay 10% of purchase price as a non-refundable deposit. The vendor is now legally obliged to sell to you at the agreed price.
  • Formal completion at the Notary. The Title Deed is handed over, the Notary legally recognise you and the vendor, the contract is signed, the keys are handed over and you pay the balance.
  • Land Registry. You are registered as the legal owner of the property.
  • Payment of fees and taxes.
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NIE and Spanish bank account

Apart from the actual purchasing process, lovespain.com or your lawyer can also help you obtain a foreign fiscal identity number (NIE) from the local police station – this is compulsory for all non- residents purchasing property – and to open a bank account in Spain, which is also necessary.

Golden Visas

Since the introduction of the new ‘Proyecto de Ley de apoyo a los emprendedores y su internacionalización’ legislation in September 2013, non-EU investors can apply for permanent residency in Spain. This residency permit is often referred to as the ‘Golden Visa‘, and is particularly popular amongst Russian and Chinese clients, as it allows free movement between EU member states.

Find out if you are eligible.
To be eligible you will need to invest a minimum of 500,000€ per person in cash, mortgages and loans can only be used if supplementary to the cash investment – we can also help you to secure a favourable mortgage, if required.

Let us know if you are interested in obtaining a Golden Visa and we will be able to tell you if you fulfil all of the necessary criteria. Lovespain.com can put you in touch with Spanish lawyers experienced in this area, who can assist your application for a ‘Golden Visa’.

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Mortgages & Insurances
mortages


Spanish mortgages and home insurance

Although the lending criteria is much stricter now than it was a few years ago, there are still numerous international banks, savings banks and building societies that are willing to offer mortgages on Spanish property.

One of the main differences today, is that the loan to value ratio is now much tighter, it is now rare to see hundred per cent mortgages but they are available subject to status. As a non-resident, you are more likely to be offered a mortgage of around 60 to 70 per cent of the purchase price. Of course, you needn’t take out a mortgage there is also the option of equity release from your UK property to fund the purchase.

Lovespain.com works with experienced independent advisors who are able to identify the most advantageous methods of financing your Spanish dream home, using the knowledge and contacts to secure you the most suitable and cost effective solutions.

We can also introduce you to the most cost effective expat home insurance companies that speak English, as recommended by us and many of our clients.

Fill in the form to apply for a mortgage

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Project Management
& Refurbishment
management

If you’ve found the perfect property which needs refurbishing, lovespain.com has the contacts to help you manage the project. We work with professional who can undertake quality construction and modifications projects.

Our partners have up to date specialised knowledge of the legal requirements and legislation that apply to specific sectors of the market, including residential, commercial, retail, beachfront etc.

Whether you need major construction or internal refurbishment our team has the building and construction experience and know-how to help you achieve the desired result, on time and within the required guidelines.

Call us on +34 951 382 092 for more information and a free consultation.

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Removals
& Storage
removals

Finding the perfect property is only the beginning of your Spanish adventure. Whether you are moving lock stock and barrel or are simply purchasing a holiday home, there is still the task of transporting your belongings into your new home.

Transporting belonging from A to B can be a hassle. To help make the process as smooth and stress free as possible, lovespain.com has teamed up with ‘The Removal People Ltd’, a professional removal company with 30 years of experience, to take care of everything from the initial quote to delivering your treasured possessions, safe and sound in Spain.

As recommended by many of our clients, The Removal People Ltd we have built a reputation for providing a professional bespoke service, tailor made to your individual needs regardless of size and location, starting from your first enquiry.

  • Initial survey and quotation
  • Packing of individual items
  • Safe, secure, storage using purpose built containers
  • Removal to your new destination
  • Unpacking and placing all items of furniture as per your specification
  • Clear all packing materials in your new premises
  • Worldwide door to door service
  • Deal with customs and shipping

The Removal People Ltd also offers a safe and secure storage service for those special items such as antiques, pianos or even cars.

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Valuations
& Surveys
valuations

Lovespain.com has joined forces with MJ Group to provide our clients with expert valuations on all commercial and residential property, carried out in line with the Royal Institute of Chartered Surveyors’ guidelines.

Valuation services include all the standard reports and these:

  • Portfolio valuations
  • Market & viability studies
  • Funding, bank valuations
  • Non-performing loans
  • Debt advisory
  • Monitoring/project management
  • Repossessions and prime residential

About MJ Group

The company has a reputation for helping bank clients to reduce their exposure to risk and has expert knowledge of the London residential market. They currently advise banks on various niche markets including Spain.

Services

  • Prime residential & commercial valuations for secured lending purposes
  • Valuation advice for non-performing loan portfolios
  • Acquisition/disposal reports
  • Asset/portfolio valuation
  • Independent opinion on value
  • Due diligence
  • Market and feasibility studies
  • Development appraisals (new sites, redevelopment and works in progress)
  • Litigation support and expert testimony
  • Current value accounting
  • Investment analysis

To request a Royal Institute of Chartered Surveys valuation or any other service mentioned above call us on +34 951 382 092 .

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Golden
Visas
valuations

Lovespain.com has joined forces with MJ Group to provide our clients with expert valuations on all commercial and residential property, carried out in line with the Royal Institute of Chartered Surveyors’ guidelines.

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