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Making a splash with a swimming pool

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When it comes to buying a holiday home in a sunny destination, access to a swimming pool ranks fairly high on most people’s wish list and if the property is a fair distance from the beach it becomes almost a necessity. But what are the things to...

Laura Hamilton's Marvellous Marbella

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As well as being one of the faces of Channel 4’s ‘A Place in the Sun’ I’m also the proud owner of a holiday home in San Pedro, close to Puerto Banus on the Costa del Sol.  During the economic crisis of 2007 (which seems like a...

Buying a property on The Costa Del Sol - Why choose Nerja?

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Whilst in the area I caught up with Johan Eckerrvik a local estate agent in Nerja about what current market. Nerja like many towns along this beautiful stretch of coastline started out as a small fishing and agricultural village. Boasting some of the most...

Could Inheritance Tax affect where you live in Spain?

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Some people choose to live in one country or another purely for tax purposes and allow the tax savings of being located in that country have an influence on where they settle down. They will compare their tax situation back home compared to the other...

Brexit arrangements with Spain get a bit closer

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Spain and the UK look closer to agreeing the terms of their arrangements for residents in the two countries with the announcement that the UK and Spain have agreed a reciprocal deal on voting rights between the two countries. An announcement in the State...

Why "No Win, No Fee" can be "No Win, Still Pay"

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It may surprise people that even if you have a “No Win No Fee” agreement with your lawyer for litigation you may have to pay legal fees and costs should you lose the case. Although on the face of it this seems to be wrong it is worth exploring...

2019 set to be a year of debt recovery in relation to Spanish Mortgages

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2019 is set to be a difficult year for Spanish property owners who are not up to date with their Spanish mortages. The banks there have started to offload their non performing loans to debt collectors who will invariably start to chase up these loans. We...

Tax on Mortgages in Spain - Update

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The situation with the tax that needs to be paid for new mortgage registrations has been clarified with the President of the Government, Pedro Sanchez, announcing measures to make banks, not borrowers pay the tax associated with a mortgage. Clarity The...

Confusion in Spain over mortgage taxes

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A recent Court case in Spain has both clarified and caused confusion over who should pay the taxes associated with taking out a mortgage to buy a property. The Judgement issued by the Supreme Court ruled that it was the Banks - and not the borrowers - who...

Off the beaten track in the hills above Marbella

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I was recently charged with the task of finding a couple A Place in the Sun, in Southern Spain. Sound familiar? Of course it does and whilst I enjoy my job I was somewhat relieved to hear that they wanted me to focus my search somewhere a little less known,...

Spanish Court collapse

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Can the Spanish avoid an absolute collapse of their Court System? As the Court System in Spain groans under the weight of the number of cases there have now been calls to increase the number of Courts to try and tackle the huge delays that have been...

Purchase contracts in Spain

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When buying a property in the UK you may be used to there being a purchase contract. When buying in Spain there may be several different types of contracts to sign and there may indeed be several in one transaction. Unfortunately these different types of...

What sort of offer will secure my overseas property?

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What sort of offer will secure my overseas property? So there we are, I’ve shown my buyers a property they love and they ask me ‘that’ question - “What sort of offer should I go in at”? There is no formula but there is a...

Insurance and Specific Risk policies on foreign properties

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Unless you have bought property in the USA you may not have heard of Title Insurance. Title insurance is, in effect, an indemnity insurance policy which protects against financial loss as a result of defects in the title to the property. It is not a...

Courts in Spain get tough on Foreign Currency Mortgages

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Recent Court decisions in Spain have highlighted the fact that foreign currency mortgage problems are not limited to jurisdictions such as Cyprus where largescale problems have been incurred by borrowers in the Swiss Franc denomination and are currently...

Timeshare Cancellation Companies Warning

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The Timeshare world is a murky one. One thing can look like another and some companies spend quite a bit of time and effort hiding their true identity or objectives. This is true not only for the timeshare resorts and sales companies but also the huge...

A Tale Of Two Cities

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I always enjoy APITS (A Place In The Sun) live as I get to meet the viewers and lots of buyers. At the exhibitions I host a meet and greet section where I get to meet not only the viewers but also lots of genuine buyers which is an invaluable insight into...

Force Majeure clauses in property contracts - what are they and when can they be invoked

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If you have bought a property abroad in the last 10 to 15 years in countries such as Cape Verde, Turkey, Morocco, Brazil or the UAE then the likelihood is that the property was still being built when you committed to buy. This is commonly known as buying a...

How to choose a lawyer when buying property abroad

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When you buy a property in the UK you will probably know which lawyer you are going to use to help you buy. They could be somebody that you have used before. They could be your nearest local solicitor. They could be somebody that is recommended to you by a...

Company ownership of foreign property

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We are often asked about the various options and structures of owning a property abroad through a company. The theory is that if you put a property abroad into the name of, for example, a British company, then should you sell the property or should you die...

The effects of Brexit on property owners and buyers in Europe

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After the result of the Brexit Referendum we are frequently asked about the effect of this by both current and potential property owners within Europe.  The reality is that until Article 50 is invoked there is no change and all the rights that owners...

Tenerife but no too...Tenerife?

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Think of Tenerife and you’d be forgiven for conjuring up images of Playa de las Americas and Los Cristianos in the south of the Island. And for good reason. These places enjoy the kind of popularity that many resorts around the world dream of helped in...

I already have a foreign lawyer but.....

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When we deal with a prospective client we are generally happy to have an initial no cost chat with them about their situation. We often spend some time going through their case, review documents and then give some provisional advice without charge. Indeed,...

Bankers Drafts - why are they used to buy property abroad?

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In many countries the final payment for the purchase of a property will be done via a Bankers Draft. Having typically paid a reservation fee or initial deposit to secure the property and having hopefully instructed an independent lawyer to conduct all of the...

Fake lawyers abroad and cold calling

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It may come as somewhat of a surprise (or not) to learn that there are individuals operating on-line who are pretending to be solicitors and lawyers – both in the UK and abroad - in order trick and scam innocent victims out of money. The scammers often...

Buying property in Spain in Sterling

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With British people being one of the main groups of foreign owners of properties in Spain it is hardly surprising that occasionally a British person sells his or her Spanish property to another British person. Typically, we see the buyer initially converting...

Due diligence by Estate Agents on overseas developments

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Estate agents sell properties. They are not as a rule there to carry out extensive  due diligence . They should therefore also not be expected to carry out searches on resale properties that they have on their books. In theory they shouldn’t...

3% Tax Retention in Spain

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When you sell a property in Spain there is a requirement for 3% of the value of the property to be paid to the tax authorities as a retention if you are non-resident in Spain. There is a lot of misunderstanding regarding this 3%. Some people think that this...

Brexit - will that stop a foreign Bank pursuing me in the UK

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This is a question that is becoming ever more relevant as thousands of individuals who have previously bought foreign property now find themselves unable – or unwilling – to meet the seemingly ever increasing costs associated with their overseas...

Illegal build in Spain leads to prison

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The authorities in Spain have had issues with illegal planning permission over the years. For decades many people ignored the requirement to obtain planning permission and built properties anyway without planning permission – either extensions and...

Mortgages on foreign property

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When buying a property overseas often a buyer will need to take out a mortgage to help them fund the purchase, just like they do when buying a property in the UK. What is different when buying a property abroad is that there can be several different options...

Can you have your cake and eat it?

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I recently took on a property search for a couple who were facing a familiar dilemma. They were attracted to buying a second home in Spain because of the change in lifestyle and culture but as they didn’t yet speak the  language were a little...

Due Diligence; Can it to help you sell your foreign property?

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Over the last few years there have been a great many people who have been trying to sell their properties abroad but without success. Typical comments from Sellers are that there aren’t the numbers of buyers that there used to be, there are so many...

Transferring to another unit on a new overseas development

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As specialists in the various problems which can arise with an overseas property investment, we are frequently approached by investors who are concerned about or are experiencing problems with their foreign property purchase or their foreign developer. And...

Buying a property direct from the bank in Spain

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Over the last few years Spanish Banks have unwittingly become the biggest estate agents in Spain. The banks have had to repossess so many properties from owners who could no longer pay the mortgage that almost by default they have become the biggest property...

Rural property in Spain

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During the boom times of property sales in Spain the vast majority of people purchasing properties did so “off-plan”. They were persuaded by glossy brochures and liked the thought of being the first owners and deciding the specifications to their...

The dangers of timeshare forums

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Timeshare can be a murky industry and very often things aren’t what they initially seem. And there is no better example of that than Timeshare Forums and internet sites. There are various forums out there where people can discuss their timeshare...

Spanish NIE's

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At some stage when you buy a property in Spain you will need to obtain an NIE. NIE stands for “Numero de Identidad Extranjero”, which translates as “Foreigners Identification Number”. The NIE is a cross between an Identification...

Healthcare Abroad

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When you own a property abroad there may be times when you need access to healthcare. Within Europe (at the current time of writing prior to the UK coming out of Europe as a result of the Brexit referendum) this is quite simple. If you are on holiday and...

European Wills

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You have bought your property abroad and are now looking forward to using it. You intend to either use it yourself as a holiday home, as a retirement home or you are going to rent it out for some sort of income. It might even be that you intend to move...

Spain publishes the requirements to make a claim for Floor Clauses in Spanish Mortgages

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On Saturday 21 st  January the requirements to make claims under Mortgage Floor Clauses in Spain were published in the official Bulletin of the State in Spain. Floor Clauses are clauses in mortgage agreements whereby if the interbank interest rate...

Signing documents without reading them or taking legal advice

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More often than not when buying a product or paying for a service we will be asked to enter into a contract of one sort or another or sign Terms and Conditions which then form part of a Contract. The reality is people enter into contracts quite often several...

Why Timeshare maintenance fees increase

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Many years ago when Timeshare first appeared as a concept the attraction was quite simple – you owned/purchased a single week in an apartment (often called a “unit”) in a resort and this worked out significantly cheaper than the cost of...

Powers of Attorney

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When a legal issue is encountered in a foreign jurisdiction, you will often hear talk of a Power of Attorney. In reality this is nothing to be afraid of. A Power of Attorney is simply a document which grants the ability to somebody else to do something on...

Litigation abroad; should you wait for others?

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With the huge growth of social media in recent years, individuals who have legal issues abroad, whether it is problems with a failed development overseas or issues such as Swiss Franc Mortgage problems in Cyprus, are now able to gain access to specifically...

Foreign & Commonwealth Office Legalisation

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Often when dealing with a legal issue abroad it will be necessary to get a document “legalised” for a specific legal purpose. This may sound like a rather complicated legal procedure but is actually quite a simple and easily understood process. ...

Do I need a lawyer to buy a property abroad?

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It may seem strange to ask such a question but bizarrely this is one of the most common questions we get asked.  The simple answer is no, you don’t. However, it would be very naive or even foolish look to buy a property anywhere in the world...

Jonnie Irwin - Judicare Ambassador

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For more than a decade Jonnie has been one of the most recognisable and well-loved celebrities within the international property industry. A highly respected expert on all matters associated with overseas property Jonnie has been at the forefront of the...

Jonnie Irwin joins the Judicare team

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For more than a decade Jonnie has been one of the most recognisable and well-loved celebrities within the international property industry. A highly respected expert on all matters associated with overseas property Jonnie has been at the forefront of the...

Dafydd James joins the Judicare team

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Dafydd enjoyed a highly decorated career as a professional Rugby union player over 15 years having played over 500 times as a professional. During his illustrious career he had spells at Bridgend, Pontypridd, Harlequins and Llanelli Scarlets where he also...

Buying a rural property in Spain

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The property market in Spain is starting to pick up as confidence returns and buyers look for bargains. However, the market has changed and most purchases are now looking at resale properties and an increasing number are looking at more rural areas. Buying...

Did you invest in an overseas property with Ocean View Properties or Harlequin?

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It appears that the thousands of overseas property investors who found themselves caught up in the scandals of Ocean View Properties and Harlequin may be entitled to seek financial redress via a potential claim through the Financial Services...