The Spain Forums

Where to start?

The first thing to do is establish what you can afford. Add up savings and what you can afford to borrow, you will soon find out what budget you have to work to.

How much to borrow?

lenders will vary the amount that they will allow you to borrow depending on your circumstances.

Independent mortgage advisers can be used to assist you, but often charge an administration fee.

A good adviser will not only...

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This is a list of the professional services that may come into play during your private purchase:

Estate Agent

Hmmm, well actually do not be put off of using a GOOD agent, their skills can still be invaluable, even when buying privately.

They can make you aware of details & nuances of the area, and the asking prices of homes on the market within your ‘target range’. Use their service to make sure you are getting the best deal that you possibly...

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Estate agents have long made excessive profits from people buying and selling houses in Spain, but now things can change...You can do the agent's job of selling or finding a home in Spain yourself, making huge savings in the process.

Can I sell privately as well as through an estate agent?

Absolutely yes! But it is vital you understand the type of contract you have as this dictates the basis on when commission becomes payable.

Most people sign a 'Sole...

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"The single most expensive asset for most people is their home. I believe that you should have the option to sell that asset privately. Many people just do not even realise that they can sell this way, with or without an Estate Agent."


Buying or selling privately does not conflict with any normal estate agency contracts. You do not have to give up an existing agent either, but you WILL save the commission if you find your buyer yourself.
You are in charge,...

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Huge numbers of people now wish to market their own property. And it's true, you are the best person to sell your own home on the internet...


Millions of Spanish properties are sold each year 'on-line'. But on average 88% of sellers paid agency commission fees!
Last year approximately 12% of all sellers saved by selling their properties privately on-line…and the numbers are growing.
There is no legal obligation to use an agent when selling, and you usually...

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