| It
was a remarkable journey, two years on I thought. We had made it without
family and friends. Who would have thought it after all the horror stories
and warnings we chose to ignore.
The decision
to relocate was the easy part, given the fact that we had never even visited
The Costa del Sol, it was really fate how we ended up here.
It began with
a simple surfing of the net to places we dreamt we could live a better
life. Guaranteed sunshine, stress-free days, lower cost of living, and
a pure and healthy diet for ourselves and children, what more is there?
Television constantly portrayed the lives of others who sought the same
existence, promoting affordable housing at the same time. Gathering an
abundance of information, we sold up our home, said our goodbyes and left.
We were under
no illusions and quickly realised the language to be our hugest barrier.
Although slightly prepared with a Spanish phrasebook- it was not enough. |
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A
lot of English people were only too eager to assist, but some resented
the fact that we were trying to set up a life on our own and considered
us fools. Maybe they were right, but we got lucky, we thought.
We needed somewhere
to live, a school for our children, employment and most of all some trustworthy
friends. Unfortunately for us these things came with a hefty price being
vulnerable- we were taken in by crooks who swindled us out of most of our
money. There are some despicable people who will stop at nothing to get
what they want.
That was partly
the reason we set up a business in Real Estate which offers much more than
advise on purchasing a home. We assist people all the way from the beginning
and offer guidance towards employment or setting up a business.
Let me tell
you how it s really done! Everyone who comes here and for whatever reason-
we treat differently- according to their needs. If it be a family, we help
with accommodation – listening and advising them all the way. We take them
to the local schools and fill in all the necessary forms needed. We introduce
them to our Spanish lawyer who is fluent in many languages, especially
English taking care of anything from buying a cat to buying a home, at
the cost of a meal. |
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system is pretty simple and the process begins with obtaining a rental
contract for accommodation. This can be accomplished in a day or two, all
it takes is that a suitable property be found, a price agreed and a contract
between owner and tenant provided. Once you have this you can then
open a bank account- which we can recommend. Beware of some banks- the
rate is extremely high and some will take your money, but provide no after-care
assistance if you have any problems. The next step is to gain an NIE number
(a
bit like a national insurance number)-this is essential in order to
be employed or set up a business, our lawyer can obtain this, it takes
about six weeks. If you decide to buy a business there are many ways to
do it, and our experience and knowledge of the area and the law can help
save time and money.
Spanish education
is free, but you can expect a child to lose a school year while they master
the language. International schools offer Curriculum close to that of British
standards attaining GCSE and A Level examinations, but require fees of
about four thousand pounds per child per year with discounts for more than
one child attending.
Most people
want access to the media in their own language- we can also help with installations
of satellite television for any language at a reasonable cost. The telephone
companies are very slow here simply because there is only one main company
and they cannot cope with demand. We are aware of people living inland
that cannot receive a signal and we have access to companies that can provide
this.
Buying a car
can be a nightmare if you do not know the law. Hidden costs are not explained
by many companies and simple renewals of documents can lead to hefty fines
if ignored. Many bring their cars from England and the Spanish law requires
you to re- register your vehicle and the number plate within six months-
some firms will do this and convince that the costs are much higher- we
know different! Taxing a car costs about one hundred pounds for two years
and is a simple process. |
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What
about purchasing a home? Is this as simple as you think? It can be!
There are two
ways to do it according to the individual.
If you are
a resident and need a mortgage a good reputable bank will lend up to ninety
per cent over thirty years and you can even borrow at the age of seventy.
If you are a non- resident then realistically seventy per cent is what
is offered at a low rate of between three and four per cent.
First it is
best to find a property you like, whether for a permanent home, holiday
home or investment- we can assist with this!-remembering that you should
consider the needs of a tenant and not yourself, if it is a purchase for
investment only.
Fees vary from
agent to agent, we work on the minimum and even then it is not fixed. The
big companies have higher rates than smaller companies plus you can expect
a service more on a one-to-one basis too. The whole procedure will normally
be explained at each stage and before any monies change hand any queries
will be addressed. |
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then when you are totally satisfied will you be expected to agree to terms
and conditions. The buying process is more efficient in Spain, as the bank
lender will provide a survey themselves and there is no need for a separate
lawyer as it is in their best interest to have everything correct.
More properties
are being sold inland because of the affordability, but must be checked
out thoroughly beforehand. Some have multiple owners and do not always
agree to sell, so this has to be verified. Many properties have outstanding
debts on them and a contract needs to specify who is liable. Illegal building
has occurred with some properties, boundaries etc. It may seem that a property
is advertised inexpensively, but without necessary research, weighing up
the real cost at the end can prove disastrous.
Spain is a
good choice for making that new life for many reasons, but the people are
in a class of their own. In our experience, they are a very honest, caring
and trusting race. They look upon the Foreigner with respect and understand
that without tourism their standard of living would be less than standard.
A good attitude
to arrive here with and remember is that we are merely visitors to their
country and strive to gain acceptance, by learning the language and participating
in the many wonderful ferrias cultures they have.
We have many
friends of all nationalities and although still mastering the Spanish language,
we know our body language plays a great part in saying what we feel.
The dream will
go on forever, and whilst it does, we endeavour to play our part in making
the dream come true, and the transition a painless one for many.
We have gained
a reputation for being a small business of honesty and accomplished respect
from all who deal with us. Whether they are Spanish, German, English or
whatever- people can judge for themselves. |
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| We know we
have to work very long hours, but consider the benefits. Our children attend
a great school, are very happy and have many friends. We live in a very
beautiful townhouse where we awake to sea views and sunshine.
Smells of fresh
fish being cooked on the shore drift into my window, reminding me of why
I craved to be here. The sky is clear and comforting, as I am aware of
its existence. There is no place on earth offering a life like this, I
am fortunate and each day brings a new opportunity for me to share this
with others.
Whatever expectations
a person has there are no limits to achieving them. It takes courage, hard
work and effort. For me – there´s no going back!
Feel free
to call us or drop us a line with any enquiry; |
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