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HE amount of nonSpanish people who bought properties in the country has grown by 5.6 per cent during the first half of 2018 compared to the same time last year. Industry figures showed there were a total of 53,359 sales made to foreign buyers during the first six months of this year. The figures are the highest since the first half of 2007, at the height of the pre-crash property boom, when around 33,000 homes were sold to foreigners. Sales to non-Spanish buyers accounted for almost 19 per cent of the total number of houses sold. The British were the single largest nationality out of all other foreigners who bought homes in Spain, making up 14.3 per cent of the total. The number of homes sold to British people numbered 7,613 in total, up by almost 9 per cent on the first six months of 2017. The British were followed by the French who bought a total of 4,211 properties, 4.6 per cent less than the same time last year. The Germans came third with 4,138 homes, a fall of 2.1 per cent on last year’s figures. Purchases by Moroccans led to the largest year-on-year growth of any nationality. They bought almost 29 per cent more homes compared to the same time last year. They were followed by the Irish with almost 25 per cent and the Danish with more than 18 per cent. The Valencia Region was the most popular region for foreign buyers purchasing Spanish homes. A total of 15,613 homes were sold to foreigners there, about one third of the Spanish total, with sales growing yearon-year by almost 17 per cent. The Valencia Region was followed by Andalucia with 9,737, a growth of more than 8 per cent, and Cataluña, with 7,570 sales and fall of 5.3 per cent.
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Rise in foreign buyers 9% Increase in number of homes bought by the British.
SALES GROW: Valencia was the most popular with foreign buyers.
29% Growth in purchases made by the Moroccans.
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Bag a bargain, but be aware of potential pitfalls Check for any major construction defects before buying. There can be additional considerations and complications with these types of houses that should always be checked out by a Spanish lawyer. It’s vital to get independent legal advice when buying a bank-owned property in Spain. Solicitors will carry out a due diligence check, ensuring that all associated debts are cleared before reregistering the property. This should also include any charges in relation to community fees and utility supplies. There are national and regional laws to contend with in
DILIGENCE: Make all the necessary checks before buying bankowned property. mentation in place before going ahead to save delays at a later date, and try to develop a good relationship with the manager and staff at the bank. Check if the purchase needs to be completed within a certain time frame and look into Spain’s prop-
Putting down roots
erty tax laws. But buyers shouldn’t shy away from bank-owned houses in Spain, no purchase is ever plain sailing. An independent Spanish lawyer with their client’s best interests at heart can ensure necessary checks are carried out.
north of Spain. Cabanes als Arbres is set in the heart of the Sierra del Montseny, 84 kilometres from Barcelona, featuring cabins hanging 10 metres above the ground built in Douglas fir trees. According to its owners, Cabanes als Arbres, “offers nature lovers the pleasure of a stay in direct contact with a tree and its ecosystem, the pleasure of a retreat among the foliage, some nights nestled in the branches of a beautiful tree.” CREDIT: WWW.CABANESALSARBORES.COM
PROPERTY sales are on the rise in Spain, and with this boom has come an increase in the building of novelty properties. Fuelled by a new need to create more housing, increased environmental awareness and a desire to attract renters in a competitive market, some people are turning to tree houses for their homes and businesses. No longer the preserve of children, the latest generation of tree houses have a distinctly adult feel, featuring floor to ceiling glass curtains, panoramic balconies and even interconnecting walkways forging a path through surrounding woodland. A quick search of rental websites such as Airbnb reveals the popularity of novelty rental properties, including yachts, tents, caravans and even converted airplanes. Tree houses could offer a unique opportunity for investors to turn relatively small amounts of space into a site for multiple homes without the excessive outlay associated with bricks and mortar. Depending on local planning laws, owners may be able to build and run their very own treetop village, offering fully plumbed-in properties with access to electric and even internet. One business is running a 10-tree house bed and breakfast in the
Spain, and while cutting corners might make your property purchase quicker and cheaper short-term, avoiding the necessary checks could result in the purchase of a property which could cause countless and costly problems in the long term. Properties that have been repossessed are often left in a bad state, so always check the condition before proceeding. Bathroom and kitchen fittings may have been removed, windows and frames broken, or electrical wiring cut, for example. Being aware of any damages makes it possible to budget for repairs and give leverage to negotiate a better price. Consult a builder, architect or surveyor to check for any major construction defects before buying a bankowned property. Other tips are to make sure you have all necessary docu-
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THERE are thousands of repossessed properties available in Spain, and buying one is without doubt an attractive prospect. With many of the bankowned houses available at competitive prices, it’s possible, but not a surety, to secure a bargain. But, it’s important to know the advantages and disadvantages before going ahead with a bank-owned property purchase in Spain, to protect your finances and you and your family’s future. When buying a home in Spain directly from the bank it’s also often possible to get lower mortgage interest rates and even secure finance for up to 100 per cent of the value. However, on the other hand Spanish repossession properties may have outstanding debts attached to them and can be in very poor condition.
THE HUTS: Come fully equipped.
TREE HOUSES: Have become popular rental properties.
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Spain’s golden visa THE Spanish government, eager to attract foreign investment into the property market, still offers investors a Spanish residency permit. The golden visa allows certain pre-qualified individuals to live in Spain and travel throughout the EU Schengen zone, though it does not allow them to work or grant the right to draw state benefits. Golden visas have a minimum investment requirement of €500,000 (without financing). The application for the residency visa takes 10 to 15 days. It will need to be renewed after two years for a further five years providing the investment is maintained. For this the government fees are low and the process is fast. It is ideal for residency but less so for those requiring a second passport. The funds must be ready for investment in a bank account in Spain prior to application. Lawyer fees and certain taxes apply for the processing along with the government processing fee at €70 per applicant. Permanent residency can be gained after five years in Spain as long as the applicant has lived in the country for more than six months of each year. Citizenship in Spain can be applied for after 10 years. However, applicants will need to have been resident throughout that period of time to gain a Spanish passport. Once applicants have either permanent residency or citizenship then they are free to dispose of their investment as further golden visa renewals are not necessary.
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How the famous live... THERE is always a very long list of factors that can influence where and when it’s time to make that decision to purchase a dream home in the sun. Depending on personal situation at the time, nearby schools are a major consideration, as are the shops and facilities close
by and whether reachable on foot. Other potential buyers simply look for exclusivity and where the cost of property isn’t a factor. If that’s the case, then let’s have a look at some of the most expensive locations across Spain.
• Sotogrande This private development is the largest in Andalucia and is found in the municipality of San Roque. You’ll also find the most expensive villas there, not only in Spain but across Europe too, managed by NH Hotels. And with five golf courses, three polo clubs and a major sailing centre among other luxury facilities - the cost is more than justified. • La Zagaleta Famous for the home of many anonymous worldwide business people, this area of Malaga is the choice of English, Arabic and Russians. The ultimate luxury life, you’ll be able to order a private jet or a bottle of bubbly 24-hours a day.
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PRIVATE MOORING: Part of Sotogrande in Andalucia.
• Ciudad Diagonal and La Finca This is most certainly attractive to the rich sporting and entertainment set, where names such as Shakira, Gerard Pique, Ronaldo, Sergio Ramos and Iker Casillas have their hideaways in the northwest of Barcelona. Several of the mansions are priced at more than €4 million, and come with their own garden and pools, but while they’re close to the city are far enough away from the paparazzi and other prying eyes. It’s probably one of the most secure in the area, with entry by fingerprint recognition.
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Buying repossessed homes BUYING houses and apartments repossessed by banks is one of the best options to grab a bargain when it comes to obtaining a property in Spain. Banks need to monetise these assets and therefore, put them on sale at prices much lower than their market value, in some cases up to 50 per cent below. In addition, it is very common for banks to offer buyers a series of very advantageous conditions, including special mortgages. The main Spanish banks have more than 150,000 assets in their portfolios. Ranging from houses, apartments, offices, land, to large warehouses for sale or rent, both new and secondhand. If you want to know what the banks offer and at what prices, you can go to their own real estate sites, but in many cases your local estate agent is the best place to go. Many have marketing deals with the banks and can combine their local knowledge with access to repossessed properties to find a great deal.
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Give your home kerb appeal WE all know the basics of selling a house. A sparkling clean kitchen and bathroom, fresh cut flowers and clutter cleared away can all help to make our properties look more desirable to buyers. Some people may even opt to replace whole kitchens, bathrooms and flooring before selling or perhaps repaint the home. While this could help, there could be something which influences a buyer’s decision before they’ve even stepped in the house, as well as potentially adding thousands of Euros’ value to your property: kerb appeal. According to research carried out by Dulux Weathershield, a freshly painted outside, new plants and tasteful aesthetic details could see
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THIS FRIGILIANA HOUSE: Offers plenty of kerb appeal for €420,000. UK buyers pay as much as 25 per cent more for a property. And buyers in Spain will also appreciate the same touches, with the painting of windows, doors and rejas
(the security bars covering a property’s entry points) often adding immediate aesthetic and financial value to a home. More ways to improve a
property’s kerb appeal include fixing any guttering, lighting, fencing or tiling which is obviously broken. This helps confirm to buyers that the home has been welllooked after, as well as creating a more pleasing look. Any external fabrics such as sun shades and cushions should also be clean and tidy and in a usable condition. Finally, a well-mown lawn or tidied garden can also show a property off in its best light as well as confirming to the buyer that maintenance is not too time-consuming. If you don’t have a front garden, a small potted olive tree either side of your front door can add greenery without requiring too much effort.
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OST of us dream of owning a typically Spanish farmhouse or a white-walled finca in the middle of sprawling grounds and olive trees. And buying a rundown finca prime for refurbishment at a knock down price may seem the perfect way to achieve this. A vast number of people have already taken the plunge and taken on the challenge of ‘Living the Dream.’ But has it always worked out? When looking at the fruits of their labour and deciding if it was all worth it, they seem to fall into two main categories: those who are happy with what they have achieved, and those that are not. The primary issues that appear to affect the final results are simply costs and taste. While some opt for a cheap and easy conversion or reform, others stick to a strict plan of accurate reformation. Going for the simple route, while achieving the objective, can erode the charac-
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Living the Spanish dream
COTTAGE IN THE CAMPO: Sensitive conversions tend to reap rewards.
ter of the buildings by discarding old doors and beams for example, and strip the property of its original fabric. Often buyers are left with the dwelling’s original footprint and little more. The end result typically ends up bland and sterile. The more expensive option, in both time and money, would be the true reformation of whatever was originally there. Terracotta tiled roofs and thick stone lime-washed walls that repel the summer heat and small, high-placed windows that keep out blinding light, and thick, castletype panelled doors that breathe with the seasons. These all make the home more secure, while retaining the feel of the house as an intriguing piece of history. Taking on the dream doesn’t simply mean getting the job done. If time and money is spent on planning, advice, design and reclaimed materials, builders have a better chance of leaving a client with the product they were originally dreaming of.
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Home sales leader THE sale of homes in Andalucia increased by 15 per cent during September compared to the same month last year, well above the national average. New figures from Spain’s National Institute of Statistics (INE) showed home sales increased nationally by about 9.7 per cent during September. A total of 8,519 properties were sold in Andalucia, while 42,766 were sold in Spain. Andalucia sold the most homes outright in September while the Valencia Region led in terms of the number of homes sold per 100,000 residents, with 165. The number of homes sold in Andalucia that were not subject to price controls (free homes) rose by 19 per cent year on year, with 7,712 properties sold. A total of 807 price-controled (VPO) homes were sold, an increase of 9.6 per cent. The amount of new builds sold in Andalucia increased by 16.2 per cent year-on-year, with 1,606 sales. Sales of second-hand homes numbered 6,913, a rise of 18.4 per cent compared to September 2017.
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Demand for ‘new builds’ on the rise BUYERS looking for a new home without the hassle of remodelling and modernising might want to consider the Costa Blanca which boasts an abundance of new homes, thanks to a surge in off-plan developments in the region. There were almost 6,500 homes under construction in the Alicante Province alone at the end of last year. That’s the highest figure seen since 2008. The area has seen an increase in the number of houses being built for five consecutive years, with a third more than in 2016, according to the Association of Quantity Surveyors, Technical Architects and Building Engineers of Alicante. And according to Spain’s National Statistics Institute, total property sales in the provinces of Alicante and Valencia for January of this year jumped
SURGE: Costa Blanca has seen a significant rise in the construction of new homes. more than 40 per cent compared with 2017. Experts claim all signs point to growing demand from foreigners for new-build homes. They point out that starting prices for new-build homes, typically bought off-plan or mid-construction, are often higher than comparable resale properties, but that there are benefits. For example, the designs are modern and of high build quality with double glazing and good insulation. Most of today’s new builds also come with vented air conditioning. Buyers can usually pick their own interior finishing, including tiles, kitchen units and worktops as well as
appliances, and villas generally come with the opportunity to customise the internal layout too. European law states that all new property in Spain must come with a 10-year structural guarantee from the developer, who will also be obliged to take care of any unexpected faults once the new owner takes possession. Property experts say that most off-plan buyers purchase their properties 12 months from scheduled completion, which suits people who are relocating to Spain and need time to organise their affairs. But they warn that it’s vital to protect any stage payments made to a developer with a bank guarantee.
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F you are one of the many people deciding to buy in Spain, it may be that you are also applying for a mortgage. And while the process is in many ways similar to that in the United Kingdom, like many administrative affairs in Spain, the reality here can be a little more compicated. Depending on what a buyer’s individual needs are, they may choose to use a mortgage broker instead of applying directly to a bank themselves. This may cut out some of the hassle involved but can also come with its own drawbacks. According to website HelpMyCash.com, the cost of employing a mortgage broker might outweigh the benefits depending on your circumstances. The site points out that by law Spanish brokers cannot charge
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MORTGAGE BROKERS: Could take the hassle out of finding a loan. more than 5 per cent of the worth of the mortgage to help you. They say this sees many firms charge
Dive into the in-ground pool market
around 3 per cent, which could turn into a significant sum of money depending on the figures involved.
OPTIONS: There are four main types of in-ground pools.
IF you are fortunate to have plenty of land and are looking at ways to increase the value of your property, an in-ground pool might be something to consider. There are four main types of below ground option, but while wood is one of the possibilities, the cost of one that would not deteriorate in a few years often leads people to the other three most popular and efficient alternatives. Using steel-reinforced concrete to form a shell, concrete and plaster are the most common materials used in in-ground pool building. This is because concrete is durable and porous. This allows the plaster coated shell to hold water, offer rigidity, and because it can be replastered, lasts longer.
HelpMyCash.com says there are two circumstances in which it could pay to use a broker, however; if you
are applying for a mortgage of more than 80 per cent of a property’s value, or if you simply don’t have time to do the legwork yourself. The site explains mortgage brokers may be able to negotiate larger-thannormal loans for those needing more funding due to their relationships with banks. These relationships could also save you time as your broker contacts multiple banks at once, finding you the best deal rather than you having to go through multiple applications in person. The company also warns that a broker will not charge commission until the deal is signed, incentivising them to find you a deal you are happy with, but also to try a few hard-sell tactics and advises you always to take time to think over any offer before you finalise anything.
SHELL: Fibreglass pools are sold as a large one-piece shell.
After a hole has been excavated, the sides and bottom of the hole are lined or framed with steel rods (rebar) which can be sculpted into a variety of shapes, along with adding steps, ramps, and other features. Once these are in place, the pool shell is made by spraying a finish using shotcrete or gunite. This method helps a contractor when deciding the size and shape of a concrete pool. Tiles, stone and various man-made textures, can then be added to the pool surface, depending on taste. Another option is a fibreglass pool. These are sold as a large one-piece shell that is delivered by lorry and positioned into the dug-out hole using a crane.
Unlike concrete pools, fibreglass pools are readymade, making it rare to request a customised design, but most manufacturers offer a range of models and sizes to choose from. Steps, benches and spas are usually preformed. Vinyl pools are built with metal or plastic frames above ground or set into the excavated space. Prefab supporting walls or panels made of plastic, steel, or aluminium are joined to the frame, making a form that is then lined with heavy vinyl to form the pool shell. The bottom of a vinyl liner sits on a bed of sand or other material, while the top is held down by the coping stones. This creates a finished edge and also acts as a border for the pool deck.
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THE British have a longstanding love affair with the Costa del Sol, and it continues to draw home-hunters despite Brexit. It is not hard to see why with a fix of sun-soaked escapism easily accessed via dozens of daily flights to Malaga. Marc Pritchard, Sales and Marketing Director at developer Taylor Wimpey España, has pointed out that there are 150 construction sites between Malaga and Sotogrande. A drive down the coastal motorway reveals dozens of cranes and billboards for developments, as well as a number of mothballed concrete shells. The bulk of the cheap, unfinished stock is in Manilva, La Duquesa and Alcaidesa, budget driven locations in the west. Since 2013 hedge funds have been buying many of the well-located bank repossessions from the 2008-12 downturn, and have become the biggest land banks on the costa. Taylor Wimpey España’s
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PICTURE PERFECT: The beautiful La Duquesa is still affordable.
focus is on properties costing between €250,000 and €300,000, which equates to a new two-bedroom apart-
A draw for home-hunters despite Brexit.
ment in Estepona or Mijas, where land is available to develop. Benahavis, the municipali-
ty with the lowest property tax and greatest number of new planning licences, is also popular.
Church property under siege SPAIN’s socialist government recently announced its plan to create an inventory of the real estate owned by the country’s Catholic Church. The main aim of the move is to assess whether the Church is actually the legal owner of the land, the churches and the shrines that it claims to hold on the Iberian Peninsula. Antonio Hurtado, the PSOE’s national deputy for Cordoba, announced that he expects part of the Church’s real estate to be identified as unjustly registered in the Spanish ownership register. “It will be made clear that cities like Cordoba, Zaragoza and Pamplona have been indulgent towards the Church and have made it easier for her to register real estate,” he said. Spanish bishops have vigorously opposed the government’s plan, unsurprisingly. They have warned ‘not to awaken the old spirit of anti-clericalism’ and fear a ‘clandestine confiscation.’
The bishops believe that there are no legal grounds for the plans, and that it is part of an ongoing vendetta against the Church by its opponents. An example of the dispute can be seen with the famous mosque-cathedral of Cordoba. The socialists claim that the structure, turned into a mosque during the Spanish occupation by the Moors, “is part of the public domain and should never have been legally registered by the Church in the first place.” Maria Garcia, the head of the Observatory for Religious Freedom in Spain said that the plans are part of the ongoing process of “aggressive secularism” in Spain. According to an investigation by international accounting firm PriceWaterhouseCoopers, the Spanish Church’s contribution to the national economy adds around €22 billion to the national economy, largely due to tourist visits to the cathedrals.
LEGAL WRANGLE: The Church’s property brings in billions for the economy.
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RANKING HIGH: Malaga Province had the fifth highest rents on average in Spain.
Rent rate rankings MALAGA is the fifth most expensive province for property rentals in Spain and has the highest difference between asking prices and agreed rates, according to an industry report. Figures from the Mitula Group’s Housing Price Report (PVMG) showed average monthly rent rates for flats and houses in Malaga Province stood at €1,367 from July to
September. Malaga Province was also found to have the greatest difference between the asking price for properties and what tenants paid. The difference was 49.6 per cent, according to the report. The report’s authors said the rates could be linked to the province’s popularity with tourists. Other provinces
The first foot on the ladder BUYING a property in Spain is often an exciting time. But the many steps involved in purchasing a home here can sometimes seem a little confusing, which is why it helps to know the documents you need at each stage, and the first of these steps starts with the nota simple. This document, is a report from the Spanish Property Registry which provides various information about a home. This includes whether a property has any debts, including unpaid tax or mortgage payments, who its current owner is, what its boundaries
The nota simple provides information about a home. are, the total size of the land and property, what sort of classification the land has, and whether anyone else has any rights over it. This report is important before you truly set your heart on a property. This is because in Spain unpaid debts can attach to the house, not the owner, meaning you could be buying a home with outstanding debt.
The nota simple is also important for letting you know how much land you would actually be buying with a property, as this is not always obvious due to a lack of physical boundaries, particularly in some parts of the countryside. Finally, it is vital to know whether anyone else has any rights over your potential new home, such as a shared driveway or water rights. Applying for a nota simple is easy and just requires the full address of the property, the name and identity number of its owner, and identity number from the Property Register.
popular with tourists such as Barcelona, Cadiz and Las Palmas in Gran Canaria also scored highly on the table coming second, eighth and ninth respectively. The Balearic Islands had the most expensive average monthly rates at €1,673. The islands were followed by Barcelona Province, with an average rate of €1,539, the Madrid region with
€1,479 and Toledo, €1,422. Ciudad Real, in the Castilla La Mancha region, was found to be the cheapest for rentals with an average rate of €407 per month. Ciudad Real was followed in the table by Caceres, in Extremadura, with average rates of €413 per month and Zamora, in Castilla y Leon, with €452.
Eden Resort is launched BROMLEY ESTATES are excited to announce the launch of their latest exclusive development. Their extensive experience and knowledge allows them to discover the very best new property developments to promote and Eden Resort & Club is their latest exclusive that fully encompasses luxury resort style living on the south coast of Spain. Bromley Estates has been helping international clients find their dream home on the Costa del Sol since 2009. Their experienced team of more than 55 property specialists and coordinators are able to identify what clients are seeking and this allows them to match an investor’s desires with a project, location and budget. Eden Resort & Club is set in one of nature’s most inspiring places on the Mijas Costa coastline overlooking El Chaparral Golf Course with stunning sea views.The beautiful beaches of the area are within walking distance mak-
ing this the perfect spot for enjoying every aspect of luxury living on the Costa del Sol with health club, fitness and wellness facilities as well as an exclusive concierge service to ensure your every need is met. With prices starting at €375,000, this contemporary development is set to be very popular with our international clients who are seeking to enjoy every aspect of the luxury and convenience offered by this lifestyle resort. Eden Resort & Club is a unique development of exclusive three and four bedroom town homes and semi-detached town homes boasting spectacular sea views, contemporary architectural style and the latest in-home technology. Benefits of living at the Eden Resort are many and include a premier concierge service that will assist with services from golf reservations and restaurant bookings to helping you arrange a bouquet of flowers for that special occasion.
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