The buying process in Spain is very straight forward if you are in professional hands.

At Sun Sea Homes we work with carefully selected developers who all have approved legal building sites which are backed up by mayor Spanish and/or international Banks. We are able to provide all official licences and bank agreements on request.

As a part of the selling process, we can offer you Spanish local prices, not the UK equivalent, which is always significantly higher. There will be neither hidden costs, nor small prints. Everything will be translated directly for you and documents will be available in your language, so you can make sure you are always up to date and have fully coverage of all aspects involved in your purchase.

The additional purchase expenses are aprox. 10% of the declared property value in the deeds (escritura) and include:

• IVA 7% (Spanish VAT)
• Legal fees and NIE number(tax identity number)
• Notary Fees and registration of the title
• Plus Valia if applicable (Tax levied on the increase in value of the plot since purchased by the seller)

In terms of getting a mortgage, Sun Sea Homes works with all mayor banks in Spain, so we are able to provide you with the best deal on the Spanish market, we will offer you better deals than most of the developing sites. And ss you are legally free to replace any existing mortgage on a property with a new one, it would be advisable to overview your current situation.

Our in-house independent financial advisers are able to choose from the whole UK mortgage market to find you the best deal if you wish to finance your property through a UK mortgage.

CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT.