Your after-sales team
When you hear a bad report about buying a property abroad, nine times out of ten the problem will not be with the inspection trip but with what happens later. Most of these problems could be avoided with a caring after-sales team on your side who respect your need for information, understanding and advice. This after-sales team must be very familiar with the Spanish system and be respected by builders, banks, and the legal profession.

Your after-sales team need to be your eyes and ears in Spain. As you probably do not live nearby you cannot inspect your new property as it is being built. Your after-sales team will not only visit your site but they will take photos of your property, fill out a 20 point checklist and get them to you. Your team will troubleshoot for you, they will answer any niggly question that causes you concern and they will help you with purchases, upgrades, extras and changes. Your team will arrange appointments and advise you on all that you need to make completion painless.

Your team offer their services free of charge, they can arrange:
Legal work - Mortgages - Snag list with builders - Photo updates - Furniture, lights etc. - Air conditioning - Accomodation - Car Hire - Introduction to property management & other services

Buying a new home in Spain
Golf Sun will make buying your new home in Spain seem easy. a deposit of €3,000 will reserve and remove your chosen property and plot from the market and the price of that property will be fixed in euros. This means that you will not have to pay any price increases, which could be implememnted by the developers before your completion date. Our properties are in great demand with limited availability on some models. Four weeks after reservation, your first stage payment of 50% will be due and the balance to be paid on completion.

Spanish Mortages
The majority of people who purchase homes in Spain borrow from one source or another. Spanish banks are keen to lend 60% of the assessed value of your dream home in the sun. We can arrange a Spanish mortgage (subject to status) for you, however you will need to fund your first stage payment of 50% yourself. Low monthly repayments begin after completion with loans available up to 15 years.
   Tel: 0034 965 322 863
Tanya Kearney
Suzanne McElligott
Sandra McKinnell
Costs
Type of cost Cost based on / information Cost at purchase Annual cost
V.A.T. (IVA) Value of new residential property on the deeds 7% of deed price Nil
V.A.T. (IVA) Value of new commercial property on the deeds 16% of deed price Nil
Transfer tax Value of all second hand property on the deeds 7% of deed price Nil
Transfer tax Deed value of new property Alicante region 1% of deed price Nil
Transfer tax Deed value of new property Murcia region 0.5% of deed price Nil
Legal fees Deed price without mortgage 3% of deed price* Nil
Legal fees Deed price with mortgage (incl. bank charges) 7% of deed price* Nil
Fiscal advisor A legal requirement for non-residents Nil €100*
Suma (tax) Normally 2 years after completion Nil €200*
Other taxes Normally 2 years after completion Nil €200*
Insurance Optional €200* €200*
Community Decided by individual communities Nil €200*
 
* Approximate