Find property on eBay
Finding a property and moving in can be one of the most stressful times of your life.
There are many ways that the internet can help you to ease the strain of buying a property and moving home.
In today's busy world, the internet provides a convenient shopping portal for a whole wealth of products. Whether it's your weekly shopping or a brand new television, these days you can buy virtually anything you want without leaving the comforts of your own home. But what if that item on your shopping list is, in fact, a home? Where do you look? And which services, can you now find at a click of a button?
When I looked into this, I was surprised at how much time and money using the internet could save me. It seems that if you know where to look, and are fairly open-minded, you can pretty much organise your entire home move from the computer you are sitting at right now.
Where to look?
Many buyers traditionally start by looking at popular property websites such as rightmove.co.uk and findaproperty.com. However, these sites will only display properties featured by affiliated estate agents. I prefer sites like zoomf.com and nestoria.co.uk, which aim to challenge the traditional estate agents' sites and become the Google of the property world. These sites search the whole market for a property for sale in any given area, irrespective of whether or not the seller has paid for the privilege of advertising on the site. On Zoomf.com, you can even refine your search by features such as 'open-plan', 'Victorian' or 'garden'.
Making an Offer
Once you've found your dream home, how can you figure out what price to offer? Type the postcode into nethouseprices.com and you can see what the current owner paid (providing they bought the property within the past seven years). Alternatively, take a look at ononemap.com, which provides an interactive map of England where both available and sold properties can be viewed at a glance.
In today's buyer's market, propertysnake.co.uk could also prove invaluable, as it gives details of properties which have fallen in price in any particular area, and how long they have been on the market. If you play your cards right, you may be able to use this information to cut thousands off the price tag.
So the web has helped you find the ideal property. Now you've got to decide what kind of mortgage you want. There are three main types:
1. Fixed rate mortgagesThis is the most popular type of mortgage. Sign up for, say, a two year deal, and you know that you'll be paying the same interest rate throughout that period. 2. Discounted rate mortgagesOn these mortgages, you pay a rate that is a certain level below the lender's standard variable rate. The rate may vary during the course of the deal, so discounted mortgages can be a good bet if you think interest rates are going to fall. 3. Tracker mortgagesThese are similar to discount mortgages but they track the Bank of England's base rate instead of the lender's standard variable rate.
Getting a mortgage
You can find out a lot of information about mortgages online. For example, to find out the most competitive deals on offer at the moment, check out the best buy tables from sites such as The Motley Fool. You can also use their mortgage calculators to find out how much you'll be paying each month.
If you want to have a chat to a real-life person, a whole-of-market mortgage broker can take the hassle out of the mortgage process by searching the entire market and recommending the best deal for your individual circumstances.
Engage a conveyancer
If you want to keep your conveyancing costs down, take a look at e-conveyancer.
The e-conveyancer site can help you find a solicitor who will do the conveyancing work for you. Because e-conveyancing sites generate a list of competitive quotes from a range of solicitors (who in most cases can be instructed at the click of a button), you may be able to find a cheap one. What's more, once you've hired the solicitor he or she can keep you up-to-date with progress online.
Moving Home
Once you've exchanged contracts and are ready to move into your new pad, where do you start?
moveme.com is great for even the most disorganised of movers, as it gives you a handy step-by-step calendar to remind you of the important things which need to be done regarding the big move. It even provides you with important documents you can print and send off, such as a parking permit application form and a mail redirection form for the Royal Mail - essential to prevent potential identity fraud or missing bill payments, both of which can affect your credit rating. And if you're packing and need boxes, Mad4-packaging on eBay can help you there.
You can't rely on the internet for everything - you might want to get out and actually visit the property at some point, for instance -- but as we have seen it can prove a useful source of information. Play your cards right, and your home move will not only be a lot smoother, it will be cheaper, too.
Thursday, 15 November 2007
Thursday, 1 November 2007
Schooling in Spain
Schooling is a top priority for families looking to relocate to Spain and the education system here has a lot to offer.
Below is a guide to the national and international education options on the Costa del Sol and inland Andalucia provided by Andalucian Dream Homes. for the Costa del Sol, or Ideal Country Property for properties in towns such as Alhaurin, Coin, Mijas or Monda.
Types of School
1. Public (state) schools
Spain's public or state schools are non-fee paying, though parents pay for books, supplies and extra curricular activities. Qualifications gained are valid if your child wants to study at a UK university.
2. Spanish private schools
There are many varieties of Spanish private schools, some teach entirely in Spanish and are subsidised by the state providing they have 25 per cent Spanish students. Others are bilingual schools with a strong emphasis on English. Most are day Catholic schools and co-educational with classes from Monday to Friday. Fees vary, though they are generally lower than private schools in the UK.
3. Foreign schools
This term includes schools solely for expatriates and schools which encourage a mix of Spanish and foreign children. Classes are small and the atmosphere more relaxed than in Spanish schools. There is also a wider choice of academic subjects on offer and examination pass rates are high - as is the number of pupils going on to university. Fees vary from around 1.500 - 6.000€ a year.
Stages of Education
1. Nursery education 3-6 years (Educación Infantil, EI)
Children develop physical and mental skills and learn to read and write. Emphasis is placed on learning about cultures, the environment and road awareness skills.
2. Primary education 6-12 years (Educación Primaria, EP)
Primary education is split into three two-year periods. Pupils learn Spanish, maths, conocimiento del medio (history, geography and biology), PE, art and a second language. They will also learn about religion, focusing on Catholicism.
Classes are mixed ability and parents see teachers regularly to discuss progress. Children take exams from the third year of primary school, but there are no national level testing exams. Parents buy textbooks and materials, but few state schools have uniforms.
School hours are 9am to 4pm with an hour break for lunch. Some schools work until 1.30pm without a break and then finish for the day.
3. Secondary education 12-16/18 years (Educación Secundaria)
The Spanish secondary school system is similar to the British comprehensive system. Pupils begin four years of compulsory education at 12 and teaching is geared towards project work and continuous assessment.
Pupils staying on after 16 can study for the two-year 'Bachillerato' academic course (either arts, humanities, sciences or technology) or enroll on practical training courses called 'modulos'. Those who pass the Bachillerato and want to go on to university take an entrance exam in June
Enrolment
The first thing you need to do is go to the town hall in the area you're moving to and see what paperwork you need to complete. Take your child's birth certificate or passport with an official translation of the parents' passports. You'll also need proof of the child's immunisation, residence and two passport photographs.
To enrol your child in a Spanish state secondary school, you need proof of convalidation - the official record of your child's education. You should get the forms from the Department of Education in Madrid (Tel: 0034 91 701 8000) and do this before you move to Spain. Send the completed form together with your child's school record book and/or examination qualifications, plus birth certificate. Expect the process to take between three and six months.
Foreign pupils attending Spanish state schools also need a document called the 'empadronamiento'. You need to register at the local town hall for this. Take originals and photocopies of your passport, proof of address and your Spanish bank account details.
Below is a guide to the national and international education options on the Costa del Sol and inland Andalucia provided by Andalucian Dream Homes. for the Costa del Sol, or Ideal Country Property for properties in towns such as Alhaurin, Coin, Mijas or Monda.
Types of School
1. Public (state) schools
Spain's public or state schools are non-fee paying, though parents pay for books, supplies and extra curricular activities. Qualifications gained are valid if your child wants to study at a UK university.
2. Spanish private schools
There are many varieties of Spanish private schools, some teach entirely in Spanish and are subsidised by the state providing they have 25 per cent Spanish students. Others are bilingual schools with a strong emphasis on English. Most are day Catholic schools and co-educational with classes from Monday to Friday. Fees vary, though they are generally lower than private schools in the UK.
3. Foreign schools
This term includes schools solely for expatriates and schools which encourage a mix of Spanish and foreign children. Classes are small and the atmosphere more relaxed than in Spanish schools. There is also a wider choice of academic subjects on offer and examination pass rates are high - as is the number of pupils going on to university. Fees vary from around 1.500 - 6.000€ a year.
Stages of Education
1. Nursery education 3-6 years (Educación Infantil, EI)
Children develop physical and mental skills and learn to read and write. Emphasis is placed on learning about cultures, the environment and road awareness skills.
2. Primary education 6-12 years (Educación Primaria, EP)
Primary education is split into three two-year periods. Pupils learn Spanish, maths, conocimiento del medio (history, geography and biology), PE, art and a second language. They will also learn about religion, focusing on Catholicism.
Classes are mixed ability and parents see teachers regularly to discuss progress. Children take exams from the third year of primary school, but there are no national level testing exams. Parents buy textbooks and materials, but few state schools have uniforms.
School hours are 9am to 4pm with an hour break for lunch. Some schools work until 1.30pm without a break and then finish for the day.
3. Secondary education 12-16/18 years (Educación Secundaria)
The Spanish secondary school system is similar to the British comprehensive system. Pupils begin four years of compulsory education at 12 and teaching is geared towards project work and continuous assessment.
Pupils staying on after 16 can study for the two-year 'Bachillerato' academic course (either arts, humanities, sciences or technology) or enroll on practical training courses called 'modulos'. Those who pass the Bachillerato and want to go on to university take an entrance exam in June
Enrolment
The first thing you need to do is go to the town hall in the area you're moving to and see what paperwork you need to complete. Take your child's birth certificate or passport with an official translation of the parents' passports. You'll also need proof of the child's immunisation, residence and two passport photographs.
To enrol your child in a Spanish state secondary school, you need proof of convalidation - the official record of your child's education. You should get the forms from the Department of Education in Madrid (Tel: 0034 91 701 8000) and do this before you move to Spain. Send the completed form together with your child's school record book and/or examination qualifications, plus birth certificate. Expect the process to take between three and six months.
Foreign pupils attending Spanish state schools also need a document called the 'empadronamiento'. You need to register at the local town hall for this. Take originals and photocopies of your passport, proof of address and your Spanish bank account details.
Saturday, 16 June 2007
Just Property Spain
Just Property Spain are the property management and rental professionals with an in-depth local knowledge of the Costa del Sol property rental market.
Sharon who set up Just Property Spain 2 years ago says "We care about our clients and our properties and pride ourselves on ensuring our rental properties are maintained to an excellent standard and that our rental clients have a positive and enjoyable stay in Spain. "
Rental Accommodation available on the Costa del Sol include Apartments, Townhouses, Villas, and Fincas. They have short term holiday lets, and long term rentals to suit every taste and requirement.
They specialise in rental accommodation in Alhaurin Golf, Lauro Golf and resorts along the Costa del Sol.
The beautiful white village of Alhaurin el Grande and the surrounding areas within the Guadalhorce valley. Close to the beach in the fishing village of La Cala de Mijas and near by resorts.
Sharon who set up Just Property Spain 2 years ago says "We care about our clients and our properties and pride ourselves on ensuring our rental properties are maintained to an excellent standard and that our rental clients have a positive and enjoyable stay in Spain. "
Rental Accommodation available on the Costa del Sol include Apartments, Townhouses, Villas, and Fincas. They have short term holiday lets, and long term rentals to suit every taste and requirement.
They specialise in rental accommodation in Alhaurin Golf, Lauro Golf and resorts along the Costa del Sol.
Thursday, 26 April 2007
BARGAINS IN THE SPANISH SUN
If you are thinking of buying property in Spain, you should read an article in the Daily Telegraph today.
http://www.telegraph.co.uk/news/main.jhtml?xml=/news/2007/04/26/wspain26.xml
The Spanish housing market is on the verge of collapse and it will soon become a buyers market so now is the time to get in there and make your dream come true.
10 TIPS ON BUYING PROPERTY IN SPAIN
1. If you're buying because you like the Spanish lifestyle, then it won't go away just because of a market wobble. However, it might be safer to rent instead.
2. If you're buying purely for investment, ask yourself if this is truly the right time to do so.
3. Consider shared or fractional ownership. Don't pay for a Spanish home all year round if you don't need it all the time.
4. Prices away from the major resorts are much lower.
5. Make the most of a buyer's market. Many owners will want to offload their properties soon.
6. Consult an independent English-speaking lawyer.
7. Ask for a bank guarantee when buying off-plan, otherwise you could lose your shirt if the project goes under.
8. Plan your budget with the worst-case scenario in mind. If you can't afford to hold on to your home until the market recovers, then don't buy.
http://www.telegraph.co.uk/news/main.jhtml?xml=/news/2007/04/26/wspain26.xml
http://www.telegraph.co.uk/news/main.jhtml?xml=/news/2007/04/26/wspain26.xml
The Spanish housing market is on the verge of collapse and it will soon become a buyers market so now is the time to get in there and make your dream come true.
10 TIPS ON BUYING PROPERTY IN SPAIN
1. If you're buying because you like the Spanish lifestyle, then it won't go away just because of a market wobble. However, it might be safer to rent instead.
2. If you're buying purely for investment, ask yourself if this is truly the right time to do so.
3. Consider shared or fractional ownership. Don't pay for a Spanish home all year round if you don't need it all the time.
4. Prices away from the major resorts are much lower.
5. Make the most of a buyer's market. Many owners will want to offload their properties soon.
6. Consult an independent English-speaking lawyer.
7. Ask for a bank guarantee when buying off-plan, otherwise you could lose your shirt if the project goes under.
8. Plan your budget with the worst-case scenario in mind. If you can't afford to hold on to your home until the market recovers, then don't buy.
http://www.telegraph.co.uk/news/main.jhtml?xml=/news/2007/04/26/wspain26.xml
Friday, 16 March 2007
New Real Estate Agency in Alhaurin el Grande
Ideal Country Property has just opened in Alhaurin el Grande, only 20 minutes from Malaga airport. They cover an area slightly inland from the Costa del Sol, and offer a personalised service to match your requirements to one of the many types of property available - apartment, townhouse, finca or villa - to suit every budget.
The owners have many years of experience in the property market in this lovely area of Andalucia which has given them the knowledge and expertise to help make your purchase a trouble free and pleasant experience.
Ideal Country Property
The owners have many years of experience in the property market in this lovely area of Andalucia which has given them the knowledge and expertise to help make your purchase a trouble free and pleasant experience.
Ideal Country Property
Foreign Exchange - fixing the best deal
If you buy a property in Spain for every £100,000 you could pay as much as £6525 in extra fees by getting the wrong deal.
Using a bank to exchange £100,000 could cost you £4000 on a poor exchange rate, another £2000 in commission charges, a transfer fee of £25 and a receiving fee to a Spanish bank of £500.
Banks tend to have a poor foreign exchange rates as well as charging transfer fees and commissions. Foreign exchange companies are much cheaper and user friendly. They also offer you a chance to fix your exchange rate for up to two years which is useful if you are buying off plan and have to make staged payments. It is possible the fixed rate may not turn out to be the best rate but at least you will be certain how much you will have to pay.
Currencies Direct and HiFX are two of the foreign exchange companies to look out for. They do not charge transfer fees and once you have registered with them they will send you an alert when rates are favourable. So it’s a good idea to register as soon as you have agreed to purchase a property.
Examples: (Exchange rate on February 26th)
Using a bank to exchange £100,000 could cost you £4000 on a poor exchange rate, another £2000 in commission charges, a transfer fee of £25 and a receiving fee to a Spanish bank of £500.
Banks tend to have a poor foreign exchange rates as well as charging transfer fees and commissions. Foreign exchange companies are much cheaper and user friendly. They also offer you a chance to fix your exchange rate for up to two years which is useful if you are buying off plan and have to make staged payments. It is possible the fixed rate may not turn out to be the best rate but at least you will be certain how much you will have to pay.
Currencies Direct and HiFX are two of the foreign exchange companies to look out for. They do not charge transfer fees and once you have registered with them they will send you an alert when rates are favourable. So it’s a good idea to register as soon as you have agreed to purchase a property.
Examples: (Exchange rate on February 26th)
- Currencies Direct - rate 1.4861 = Euros 148,610 Transfer fee - None
- HiFX - rate 1.48 = Euros 148,000 Transfer fee - None
- Natwest - rate 1.42 = Euros 142,000 Transfer fee - £20
- Halifax - rate 1.4836 = Euros 148,360 Transfer fee £17.50
Thursday, 15 February 2007
Tapas - Spanish Omelette
Ingredients :
8 eggs
2 large potatoes
Salt & pepper
Olive oil
Salt & pepper
Olive oil
Recipe :
Peel, wash and chop the potatoes into small chunks. Season.
Heat the oil in a large frying pan. Sauté the potatoes until golden.
Beat the eggs, lightly salt and add potatoes.
Mix and leave to settle for a couple of minutes.
Pour the mixture into the frying pan and cook for 5 minutes.
Cook for 3 minutes on the other side, turning with the help of a plate over the frying pan.
Serve hot or cold, as tapas.
Advice :Experiment with spanish omelette - add chopped green pepper, onion, chorizo or cheese
Peel, wash and chop the potatoes into small chunks. Season.
Heat the oil in a large frying pan. Sauté the potatoes until golden.
Beat the eggs, lightly salt and add potatoes.
Mix and leave to settle for a couple of minutes.
Pour the mixture into the frying pan and cook for 5 minutes.
Cook for 3 minutes on the other side, turning with the help of a plate over the frying pan.
Serve hot or cold, as tapas.
Advice :Experiment with spanish omelette - add chopped green pepper, onion, chorizo or cheese
Friday, 9 February 2007
Alhaurín el Grande and the Guadalhorce Valley
Situated close to the northern face of Sierra de Mijas, looking out over the spectacular Guadalhorce Valley, with stunning views of numerous citrus trees and vegetable gardens – Alhaurín el Grande is a wonderful place to experience ‘real Spain’. Neolithic, Phoenician, Greek, Roman and Arabic settlers have all left their mark on the area and there are some interesting monuments remaining - Our Lady’s Church, the Town Hall and Montellano Palace. In the small plaza in front of the town hall, the Plaza del Ayuntamiento, are three Roman columns which were discovered close by at Fuente del Sol. Also worthy of mention is Los Corchos Mill, which is still in excellent condition and works exactly as it did in Moslem times.
Alhaurín el Grande is a prosperous and bustling village with many local amenities. On the one hand, excellent restaurants, lively bars, modern supermarkets, even English newspapers, and on the other hand idyllic tree lined plazas with the older generation chatting and playing dominos, small hidden local bars serving traditional tapas and the feel of a real community. Alhaurín el Grande makes the ideal base for exploring the real Spain .
The Alhaurín el Grande gastronomy is ample and varied with typical plates such as: 'migas' breadcrumbs fried with garlic and 'gachas cachorreñas' porridge with spices, 'allullas', 'dolcas', patties, sauce, broths, garlic soup, and many desserts such as sponge cakes, oil buns, fritters, macaroons, date bread, egg rusks, fried rusks, french toast and oil cakes.
Alhaurín Golf Resort
Nestled in the hills of the Mijas Mountain range, the Alhaurin Golf Resort is in a stunning location - just 15 minutes from the coast road to all destinations and attractions. The Alhaurín Golf resort is a unique sports and tourist development. Visiting golfers find themselves spoilt for choice, for there are 45 holes in all, 27 of which were designed by Seve Ballesteros. There is an 18 hole full-length course, a 9 hole short course and also the only 18 hole par 3 course in Andalucia. On the main course the fairways are long and narrow with greens protected by a fierce array of bunkers, lakes and gardens, but the fact that there are up to 6 different teeing areas at each hole means that the course can be adapted to any level of skill.
For the Golf enthusiast, there are 5 different challenging courses within a 15 minute drive of the resort as well as the courses of Sotogrande, San Roque, Valderama and Almenara which are within a 50 minute drive and provide some of the golfing delights of the Costa del Sols 40 courses.
For the sun worshipper the beaches of La Cala de Mijas, Cabopino and Elviria are close by - or why not combine sea and snow with a visit to the beautiful Ski resort of Sierra Nevada which is just over 2 hours away. With over 320 sunny days per year in the Costa del Sol it is not surprising that it has become the 'Jewel in the Crown' within Europe – whether you are a golfer or not and whatever time of the year you visit.
There is a variety of accommodation available on the golf course from stunning private villas, luxury townhouses and two or three bedroom apartments - all with at least two bathrooms. Large lounge/dining room and fully equipped kitchen/ breakfast room. Extensive terracing with panoramic views over the magnificent golf course and the beautiful Sierra de Mijas mountains. The properties also benefit from hot and cold air conditioning, plus communal garden and pool areas.
La Cala de Mijas
Set in the heart of the Costa del Sol, midway between Fuengirola and Marbella and Puerto Banus, and just a 20 minute drive from Malaga airport, this area has retained much of its original charm, while benefiting from so many of the great new leisure activities on offer. This unique fishing village with its lovely beaches still retains a typical Spanish flavour, with it's local fairs and events throughout the Summer. Live music and dancing on an open air stage right on the beach offers free entertainment almost every weekend during the summer months. From reggae to classical flamenco, this cosmopolitan village tempts all tastes.
Great bars and restaurants, family oriented and a little bit apart from the hustle and bustle of the rest of the coast, La Cala de Mijas holds on to its origins yet offers something for everyone. Enjoy a long relaxing paella lunch on the beach, or an exciting Saturday night's racing at the all weather race track, there really is something for everyone in this part of Spain .
The Costa del Sol is, of course, also known as the "Costa del Golf" due to the many top class golf courses all along the coast. La Cala de Mijas boasts it's own beautiful golf course only 6km from the centre of the village, set in rolling hills with spectacular sea and country views. Within a twenty minute drive there are a number of other golf courses, Alhaurín Golf, Miraflores, Mijas Golf to name a few. Stunning scenery, glorious beaches, a variety of restaurants and bars, close to many leisure activities, La Cala de Mijas has it all.
Lauro Golf Course
Located on a hillside in the center of the Guadalhorce Valley , surrounded by nature, Lauro Golf is an integrated resort being developed amongst the pine and oak trees. Offering two fantastic golf courses meandering their way through the forests, (thousands more trees have been planted in order to create the perfect environment). For residents and the natural wildlife the micro climate supplied by the nine lakes located within and around the course, ensures the wonderful location is here to stay. All of this is located within a short 10km drive to the coast and Malaga airport. Set within this environment are a number of holiday properties offering the finest quality and services, the type of accommodation offered ranges from spacious two and three bedroom townhouses to wonderful one bedroom apartments.
There is a two hundred year old restored farmhouse that is being used to house the Clubhouse which offers a golf pro shop and a lovely restaurant with seating in the picturesque, tree lined courtyard.
Alhaurín el Grande is a prosperous and bustling village with many local amenities. On the one hand, excellent restaurants, lively bars, modern supermarkets, even English newspapers, and on the other hand idyllic tree lined plazas with the older generation chatting and playing dominos, small hidden local bars serving traditional tapas and the feel of a real community. Alhaurín el Grande makes the ideal base for exploring the real Spain .
The Alhaurín el Grande gastronomy is ample and varied with typical plates such as: 'migas' breadcrumbs fried with garlic and 'gachas cachorreñas' porridge with spices, 'allullas', 'dolcas', patties, sauce, broths, garlic soup, and many desserts such as sponge cakes, oil buns, fritters, macaroons, date bread, egg rusks, fried rusks, french toast and oil cakes.
Alhaurín Golf Resort
Nestled in the hills of the Mijas Mountain range, the Alhaurin Golf Resort is in a stunning location - just 15 minutes from the coast road to all destinations and attractions. The Alhaurín Golf resort is a unique sports and tourist development. Visiting golfers find themselves spoilt for choice, for there are 45 holes in all, 27 of which were designed by Seve Ballesteros. There is an 18 hole full-length course, a 9 hole short course and also the only 18 hole par 3 course in Andalucia. On the main course the fairways are long and narrow with greens protected by a fierce array of bunkers, lakes and gardens, but the fact that there are up to 6 different teeing areas at each hole means that the course can be adapted to any level of skill.
For the Golf enthusiast, there are 5 different challenging courses within a 15 minute drive of the resort as well as the courses of Sotogrande, San Roque, Valderama and Almenara which are within a 50 minute drive and provide some of the golfing delights of the Costa del Sols 40 courses.
For the sun worshipper the beaches of La Cala de Mijas, Cabopino and Elviria are close by - or why not combine sea and snow with a visit to the beautiful Ski resort of Sierra Nevada which is just over 2 hours away. With over 320 sunny days per year in the Costa del Sol it is not surprising that it has become the 'Jewel in the Crown' within Europe – whether you are a golfer or not and whatever time of the year you visit.
There is a variety of accommodation available on the golf course from stunning private villas, luxury townhouses and two or three bedroom apartments - all with at least two bathrooms. Large lounge/dining room and fully equipped kitchen/ breakfast room. Extensive terracing with panoramic views over the magnificent golf course and the beautiful Sierra de Mijas mountains. The properties also benefit from hot and cold air conditioning, plus communal garden and pool areas.
La Cala de Mijas Set in the heart of the Costa del Sol, midway between Fuengirola and Marbella and Puerto Banus, and just a 20 minute drive from Malaga airport, this area has retained much of its original charm, while benefiting from so many of the great new leisure activities on offer. This unique fishing village with its lovely beaches still retains a typical Spanish flavour, with it's local fairs and events throughout the Summer. Live music and dancing on an open air stage right on the beach offers free entertainment almost every weekend during the summer months. From reggae to classical flamenco, this cosmopolitan village tempts all tastes.
Great bars and restaurants, family oriented and a little bit apart from the hustle and bustle of the rest of the coast, La Cala de Mijas holds on to its origins yet offers something for everyone. Enjoy a long relaxing paella lunch on the beach, or an exciting Saturday night's racing at the all weather race track, there really is something for everyone in this part of Spain .
The Costa del Sol is, of course, also known as the "Costa del Golf" due to the many top class golf courses all along the coast. La Cala de Mijas boasts it's own beautiful golf course only 6km from the centre of the village, set in rolling hills with spectacular sea and country views. Within a twenty minute drive there are a number of other golf courses, Alhaurín Golf, Miraflores, Mijas Golf to name a few. Stunning scenery, glorious beaches, a variety of restaurants and bars, close to many leisure activities, La Cala de Mijas has it all.
Lauro Golf Course
Located on a hillside in the center of the Guadalhorce Valley , surrounded by nature, Lauro Golf is an integrated resort being developed amongst the pine and oak trees. Offering two fantastic golf courses meandering their way through the forests, (thousands more trees have been planted in order to create the perfect environment). For residents and the natural wildlife the micro climate supplied by the nine lakes located within and around the course, ensures the wonderful location is here to stay. All of this is located within a short 10km drive to the coast and Malaga airport. Set within this environment are a number of holiday properties offering the finest quality and services, the type of accommodation offered ranges from spacious two and three bedroom townhouses to wonderful one bedroom apartments.
There is a two hundred year old restored farmhouse that is being used to house the Clubhouse which offers a golf pro shop and a lovely restaurant with seating in the picturesque, tree lined courtyard.
PROPERTY MANAGEMENT
Just Property Spain
Just Property Spain are the property management and rental professionals with an in-depth local knowledge of the Costa del Sol property rental market. Manager Sharon said:
"We care about our clients and our properties and pride ourselves on ensuring our rental properties are maintained to an excellent standard and that our rental clients have a positive and enjoyable stay in Spain. "
They specialise in rental accommodation in Alhaurin Golf, Lauro Golf and resorts along the Costa del Sol.
Just Property Spain
Wednesday, 31 January 2007
Living in Spain
Becoming a Resident. If you are buying a Spanish property and intend to spend more than six months in Spain you need to apply for a Residencia. Being a resident has many advantages i.e. lower taxes, and if you don’t become a Resident you must appoint a fiscal representative.
Fiscal Representative. Once you have bought a property in Spain, and if you do not become a resident, this is a person to whom the tax authorities can send all correspondence relating to your affairs in Spain. The fiscal representative must be resident in Spain, but it is for you to choose whom to appoint. It can be either a friend, a neighbour, a lawyer or your tax adviser.
Gestor – For day to day management of your affairs in Spain it is advisable to appoint a local ‘gestor’ A gestor can assist you with applying for a “residencia” work permits, licences and permits in connection with the opening of new businesses, pension payments, national insurance and other related matters.
Banks – It is necessary to open a bank account in Spain to purchase a Spanish property. You will need one to have your home running costs dealt with through direct debit. Choose your Spanish bank carefully as running costs vary considerably between banks. We can a
Insurances – Fire insurance is compulsory by law when taking out a mortgage for your Spanish property. Comprehensive household insurance is available to protect your home and contents. Life insurance can be taken out to guarantee payment of the loan in the case of death.
Health Care – national Insurance in Spain is excellent. If you are non-resident and have the necessary E111 form from the UK you will be able to receive emergency medical treatment free of charge.
A Spanish Will – Property in Spain is subject to Spanish laws, so it is strongly advised that you make a Spanish will, which costs approximately 200 euros. Your solicitor should be able to advise you on this point.
Schools
The standard of education in Spain is excellent. There are two options:
International Private Schools
All of these Establishments offer tuition in English. The syllabus follows the English school curriculum to GCSEs and A levels. These are all fee paying.
State schools
More and more ex-pats are deciding to integrate their children into state schools where the standard Spanish curriculum is taught. This will give your children an excellent opportunity to pick up on the Spanish way of life very quickly.
Cars and Driving
If you become a Spanish resident it is illegal for you to drive anything but a Spanish registered vehicle. It is possible to transfer foreign registered vehicles onto Spanish registration plates, but only if the vehicle is left hand drive. If you intend to live and work here you are strongly advised to buy a Spanish registered vehicle as soon as possible. You will need to make sure that you have all your documents, including your driving licence, with you at all times when driving in Spain.
Living Costs.
Urbanizacion and Community Fees
These cover the running and maintenance costs of shared facilities of the Spanish property which can include private roads, drains, lighting, private water supplied, gardens, swimming pools etc. These costs vary considerably and are controlled by a committee of owners.
Local Rates – Patrimonia
All non-residents have to pay wealth tax, ‘patrimonia’ based on the amount on the escritura publica (title deeds of the property) or the valor catastral (rateable value), whichever is the highest value.
Property Tax – IBI
The local Town Hall charge IBI (Impuesto sobre Bienes Inmeubles), on owned property, which is an annual real estate tax. This local tax varies and is based on the valor catastral (rateable value of the property.
Tax on Rental Income
Britain and Ireland have a double taxation treaty with Spain. Tax is paid on the declared income from the property and your rental income must also be declared to the inspector of taxes in Britain or Ireland.
Water and Electricity
When you have bought property in Spain there is a standing charge and a consumption charge for utilities similar to the U and Ireland.
Telephone.
The standard charge for a telephone line installation is around 180 euros. The line rental and call charges are then paid every two months.
Rubbish (basura)
In some areas you will have to pay the basura separately in others it is included in the IBI.
Legal Issues
The solicitor (abogado) will take care of you and assist you in all the different steps involved in buying property in Spain. There are many excellent English-speaking solicitors in Spain. Choosing the right solicitor is your guarantee that Spanish legal requirements are met, that the Spanish property is registered in the vendor’s name and that it is free of any mortgages, charges, encumbrances, debts or other liabilities. When you find a property, clear everything with your solicitor. Do not sign any contract or agreements with an agent, get them sent to your solicitor who will negotiate and discuss the purchase terms with the seller’s solicitor. The terms should not be limited solely to price but should cover in detail all your requirements like the completion date the form of payment, etc.
Additional Fees
Typically you can expect to pay around 10% of the price of property .
EITHER – I.V.A. (VAT) on new construction – 7% of the contract price (16% on land)
OR – Transfer Tax (Stamp Duty) on resales – 7% of the declared value
Title Deed Tax 0.5% of the declared value plus
Valia tax on any increase in land value – this varies and may not even apply.
Finance
When buying property in Spain you can chose to apply for a mortgage in Spain or the U.K. Mortgage rates in Spain tend to be lower than those in the U.K. You know the price of the property in Euros but you will not know the actual cost until you buy all of the currency to pay for it. This means that the Spanish property could either cost you more than you planned (if the Euro strengthens) or the property could become cheaper (if Sterling strengthens).
There are two levels of mortgages offered against property in Spain, one for residents and one for non-residents. For non-residents, the mortgage offered against Spanish property is generally around 70% of the declared value and for residents it is usually around 80% of the declared value.
Applying for a mortgage for your property in Spain is a straightforward process. As in the U.K. you will need to prove that you have an income, or sufficient funds to pay the mortgage, a letter from your employer or accountant is often sufficient for this. The level of mortgage offered against Spanish property is usually dependent on your financial status and also the declared value of the property. Many new developments have pre-arranged mortgages available.
Fiscal Representative. Once you have bought a property in Spain, and if you do not become a resident, this is a person to whom the tax authorities can send all correspondence relating to your affairs in Spain. The fiscal representative must be resident in Spain, but it is for you to choose whom to appoint. It can be either a friend, a neighbour, a lawyer or your tax adviser.
Gestor – For day to day management of your affairs in Spain it is advisable to appoint a local ‘gestor’ A gestor can assist you with applying for a “residencia” work permits, licences and permits in connection with the opening of new businesses, pension payments, national insurance and other related matters.
Banks – It is necessary to open a bank account in Spain to purchase a Spanish property. You will need one to have your home running costs dealt with through direct debit. Choose your Spanish bank carefully as running costs vary considerably between banks. We can a
Insurances – Fire insurance is compulsory by law when taking out a mortgage for your Spanish property. Comprehensive household insurance is available to protect your home and contents. Life insurance can be taken out to guarantee payment of the loan in the case of death.
Health Care – national Insurance in Spain is excellent. If you are non-resident and have the necessary E111 form from the UK you will be able to receive emergency medical treatment free of charge.
A Spanish Will – Property in Spain is subject to Spanish laws, so it is strongly advised that you make a Spanish will, which costs approximately 200 euros. Your solicitor should be able to advise you on this point.
Schools
The standard of education in Spain is excellent. There are two options:
International Private Schools
All of these Establishments offer tuition in English. The syllabus follows the English school curriculum to GCSEs and A levels. These are all fee paying.
State schools
More and more ex-pats are deciding to integrate their children into state schools where the standard Spanish curriculum is taught. This will give your children an excellent opportunity to pick up on the Spanish way of life very quickly.
Cars and Driving
If you become a Spanish resident it is illegal for you to drive anything but a Spanish registered vehicle. It is possible to transfer foreign registered vehicles onto Spanish registration plates, but only if the vehicle is left hand drive. If you intend to live and work here you are strongly advised to buy a Spanish registered vehicle as soon as possible. You will need to make sure that you have all your documents, including your driving licence, with you at all times when driving in Spain.
Living Costs.
Urbanizacion and Community Fees
These cover the running and maintenance costs of shared facilities of the Spanish property which can include private roads, drains, lighting, private water supplied, gardens, swimming pools etc. These costs vary considerably and are controlled by a committee of owners.
Local Rates – Patrimonia
All non-residents have to pay wealth tax, ‘patrimonia’ based on the amount on the escritura publica (title deeds of the property) or the valor catastral (rateable value), whichever is the highest value.
Property Tax – IBI
The local Town Hall charge IBI (Impuesto sobre Bienes Inmeubles), on owned property, which is an annual real estate tax. This local tax varies and is based on the valor catastral (rateable value of the property.
Tax on Rental Income
Britain and Ireland have a double taxation treaty with Spain. Tax is paid on the declared income from the property and your rental income must also be declared to the inspector of taxes in Britain or Ireland.
Water and Electricity
When you have bought property in Spain there is a standing charge and a consumption charge for utilities similar to the U and Ireland.
Telephone.
The standard charge for a telephone line installation is around 180 euros. The line rental and call charges are then paid every two months.
Rubbish (basura)
In some areas you will have to pay the basura separately in others it is included in the IBI.
Legal Issues
The solicitor (abogado) will take care of you and assist you in all the different steps involved in buying property in Spain. There are many excellent English-speaking solicitors in Spain. Choosing the right solicitor is your guarantee that Spanish legal requirements are met, that the Spanish property is registered in the vendor’s name and that it is free of any mortgages, charges, encumbrances, debts or other liabilities. When you find a property, clear everything with your solicitor. Do not sign any contract or agreements with an agent, get them sent to your solicitor who will negotiate and discuss the purchase terms with the seller’s solicitor. The terms should not be limited solely to price but should cover in detail all your requirements like the completion date the form of payment, etc.
Additional Fees
Typically you can expect to pay around 10% of the price of property .
EITHER – I.V.A. (VAT) on new construction – 7% of the contract price (16% on land)
OR – Transfer Tax (Stamp Duty) on resales – 7% of the declared value
Title Deed Tax 0.5% of the declared value plus
Valia tax on any increase in land value – this varies and may not even apply.
Finance
When buying property in Spain you can chose to apply for a mortgage in Spain or the U.K. Mortgage rates in Spain tend to be lower than those in the U.K. You know the price of the property in Euros but you will not know the actual cost until you buy all of the currency to pay for it. This means that the Spanish property could either cost you more than you planned (if the Euro strengthens) or the property could become cheaper (if Sterling strengthens).
There are two levels of mortgages offered against property in Spain, one for residents and one for non-residents. For non-residents, the mortgage offered against Spanish property is generally around 70% of the declared value and for residents it is usually around 80% of the declared value.
Applying for a mortgage for your property in Spain is a straightforward process. As in the U.K. you will need to prove that you have an income, or sufficient funds to pay the mortgage, a letter from your employer or accountant is often sufficient for this. The level of mortgage offered against Spanish property is usually dependent on your financial status and also the declared value of the property. Many new developments have pre-arranged mortgages available.
Housing Options in Spain
Buying off-plan/new build. This type of property is purchased on the basis of seeing a development plan or show home. Payments for new build property are made in instalments, with final payment after taking possession of the finished building.
Resale Properties. The advantage of re-sales is that you can see the finished property. Moving in could be as easy as buying furniture and arriving with your luggage. It could be even easier as quite a number of re-sale Spanish properties are sold fully furnished. However, if the property requires a lot of work consider the maintenance or replacement costs. There are plenty of English speaking handymen; the local English language papers in the region have adverts. Budget realistically for the cost of ‘doing up’ a whole property.
Urbanizaciones – Simply means housing estates. Property on urbanisations are convenient, easy to purchase and you have no worries about maintenance. There is usually a communal swimming pool so you do not have the worry of pool maintenance. However, there will be community charges and there may be inflexible and restrictive community rules, so check them out before you purchase this type of property.
Villas – Detached property purpose-built holiday villas. You’ll pay more for a detached villa than for a house or equivalent size and comfort on an urbanisation.
Apartments – These are often built as holiday homes and they are easiest to rent out.
Town and village houses – Small inland towns and villages have a lot of property for sale but these usually have limited outside space. The size of this type of property can be quite deceptive and older houses may require new work with regard to plumbing and wiring.
Fincas – A plot of land in the countryside (el campo). Spanish property advertised as fincas can range from tumble-down farmhouses to lavish modern villas. Fincas generally come with a large area of land, which may include olive groves and fruit orchards. This is a very popular type of property in Spain.
Still have a house to sell in the UK?
To learn the Secrets To Selling Your Home Yourself In 1-6 Weeks Without An Agent And Saving Thousands In Real Estate Commissions
Click Here!
Resale Properties. The advantage of re-sales is that you can see the finished property. Moving in could be as easy as buying furniture and arriving with your luggage. It could be even easier as quite a number of re-sale Spanish properties are sold fully furnished. However, if the property requires a lot of work consider the maintenance or replacement costs. There are plenty of English speaking handymen; the local English language papers in the region have adverts. Budget realistically for the cost of ‘doing up’ a whole property.
Urbanizaciones – Simply means housing estates. Property on urbanisations are convenient, easy to purchase and you have no worries about maintenance. There is usually a communal swimming pool so you do not have the worry of pool maintenance. However, there will be community charges and there may be inflexible and restrictive community rules, so check them out before you purchase this type of property.
Villas – Detached property purpose-built holiday villas. You’ll pay more for a detached villa than for a house or equivalent size and comfort on an urbanisation.
Apartments – These are often built as holiday homes and they are easiest to rent out.
Town and village houses – Small inland towns and villages have a lot of property for sale but these usually have limited outside space. The size of this type of property can be quite deceptive and older houses may require new work with regard to plumbing and wiring.
Fincas – A plot of land in the countryside (el campo). Spanish property advertised as fincas can range from tumble-down farmhouses to lavish modern villas. Fincas generally come with a large area of land, which may include olive groves and fruit orchards. This is a very popular type of property in Spain.
Still have a house to sell in the UK?
To learn the Secrets To Selling Your Home Yourself In 1-6 Weeks Without An Agent And Saving Thousands In Real Estate Commissions
Click Here!
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