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Introducing myself

Posted: Wed May 20, 2020 12:51pm
17 replies603 views7 members subscribed
Linda1956

Posts: 7

1 helpful points

Location: Mojacar

Joined: 19 May 2020

Good morning 

Thank you for allowing me to join your group.

My husband and I are thinking of moving to Mojacar.

Would appreciate any advise please

Thank you



Haikili1969

Posted: Wed May 20, 2020 3:27pm

Haikili1969

Helpful member

Posts: 144

102 helpful points

Location: La Alfoquia

Joined: 2 Apr 2018

Posted: Wed May 20, 2020 3:27pm

Ola,

Not quite sure what advice you're looking for? But... I'll give the you same advice I give to everyone.

Don't believe the "place in the sun" 10% costs... you need to comfortably allow up to 20% of the purchase price. (Legal, Transfer Tax, VAT etc), you never know what might crop up until you start the process.

1. Never, Ever use the Abogado from the Estate Agent or any other legal advice.

2. Always use a local recommended Abogado (Plenty of ref's on here, happy to give detail if req.)

3. You need to make sure your legal fees include, Legal Costs, Notary Costs, POA if Req, Transfer of Utilities, Searches, Registry, Wills, Translator if req etc...

4. Spanish Banks will charge for the Bankers Draft allow 0.5 - 1% of purchase price.

5. IBI (Council Tax) is much less than the UK (Could be a Quarter or less) and is based on the Catastral Value (You'll learn a lot about this!) There is also a Basura Charge, i.e. Bins, which is about €40 a quarter or less.

6. Utilities is much harder, how long is piece of string... But budget for the same as the UK and you'll be OK. Electricity can be really expensive in comparison to the UK, learn about tariffs and potencia.. it will help.

7. Pool costs again depend on size of Pool, heating, salt or chemical etc, how much it's used etc etc.. Allow between 100 - 200 Euros a month. It may be much less, so ask to see recent bills from the previous owner.

8. Research, Research, Research... Did I mention Research!  Search engines are great, time spent will reap major benefits.. don't assume someone will give you the info. Put the work in, it is in your own best interests.

9. Some will advocate renting before buying... that is your choice. But if you do enough research and speak to locals you should get an idea of life in the area you have chosen.

10. Remember after your 1st year you will be liable for Income Tax (IRNR) this will be based on your Catastral Value and any income from the property, i.e. Lettings/Rentals Currently 19% but may go to 24% after Brexit.

11. Don't forget in Spain unless you pay a large amount monthly into a Bank, there will be charges, maybe even charges for a Debit Card. 

12. Don't forget Property Insurance, Similar costs to the UK.

12a. If you buy an apartment, consider the on going cost of communal fees and what they include etc? Make sure your Abogado gets clarity around this.

14. If you want info about residency, then there are some good guys on here who can help but ultimately you need local advice and a gestor. 

15. The reason Council Tax is much cheaper is basically because the Ayuntamiento (Town Hall) will charge you for everything.. i.e. licences for building work etc. so, if you don't use it, you don't pay. Simples!

That's all I've got for now... Good Luck, Good Hunting and remember... Research, Research, Research, Oh! & trust nobody except your recommended Lawyer, Remember Buyer Beware & you won't go far wrong.

Oh and lastly, don't try and do the purchase on the cheap, you get what you pay for.. shop around and get good local recommendations.

Saludos

Warren.


Linda1956

Posted: Wed May 20, 2020 3:58pm

Linda1956

Original Poster

Posts: 7

1 helpful points

Location: Mojacar

Joined: 19 May 2020

Posted: Wed May 20, 2020 3:58pm

Haikili1969 wrote on Wed May 20, 2020 3:27pm:

Ola,

Not quite sure what advice you're looking for? But... I'll give the you same advice I give to everyone.

Don't believe the "place in the sun" 10% costs... you need to comfortably allow up to 20% of the purchase price. (Legal, Transfer Tax, VAT etc), you never know what might crop up until you start the process.

1. Never, Ever use the Abogado from the Estate Agent or any other legal advice.

2. Always use a local recommended Abogado (Plenty of ref's on here, happy to give detail if req.)

3. You need to make sure your legal fees include, Legal Costs, Notary Costs, POA if Req, Transfer of Utilities, Searches, Registry, Wills, Translator if req etc...

4. Spanish Banks will charge for the Bankers Draft allow 0.5 - 1% of purchase price.

5. IBI (Council Tax) is much less than the UK (Could be a Quarter or less) and is based on the Catastral Value (You'll learn a lot about this!) There is also a Basura Charge, i.e. Bins, which is about €40 a quarter or less.

6. Utilities is much harder, how long is piece of string... But budget for the same as the UK and you'll be OK. Electricity can be really expensive in comparison to the UK, learn about tariffs and potencia.. it will help.

7. Pool costs again depend on size of Pool, heating, salt or chemical etc, how much it's used etc etc.. Allow between 100 - 200 Euros a month. It may be much less, so ask to see recent bills from the previous owner.

8. Research, Research, Research... Did I mention Research!  Search engines are great, time spent will reap major benefits.. don't assume someone will give you the info. Put the work in, it is in your own best interests.

9. Some will advocate renting before buying... that is your choice. But if you do enough research and speak to locals you should get an idea of life in the area you have chosen.

10. Remember after your 1st year you will be liable for Income Tax (IRNR) this will be based on your Catastral Value and any income from the property, i.e. Lettings/Rentals Currently 19% but may go to 24% after Brexit.

11. Don't forget in Spain unless you pay a large amount monthly into a Bank, there will be charges, maybe even charges for a Debit Card. 

12. Don't forget Property Insurance, Similar costs to the UK.

12a. If you buy an apartment, consider the on going cost of communal fees and what they include etc? Make sure your Abogado gets clarity around this.

14. If you want info about residency, then there are some good guys on here who can help but ultimately you need local advice and a gestor. 

15. The reason Council Tax is much cheaper is basically because the Ayuntamiento (Town Hall) will charge you for everything.. i.e. licences for building work etc. so, if you don't use it, you don't pay. Simples!

That's all I've got for now... Good Luck, Good Hunting and remember... Research, Research, Research, Oh! & trust nobody except your recommended Lawyer, Remember Buyer Beware & you won't go far wrong.

Oh and lastly, don't try and do the purchase on the cheap, you get what you pay for.. shop around and get good local recommendations.

Saludos

Warren.


We are hoping to come out once lock down is fully over and hopefully find  something that will suit us.

All this information will be of great help.

Thank you for taking the time to reply .

Alicia 11

Posted: Wed May 20, 2020 4:22pm

Alicia 11

Helpful member

Posts: 214

133 helpful points

Location: Mojacar

Joined: 30 Sep 2019

Posted: Wed May 20, 2020 4:22pm

Linda1956 wrote on Wed May 20, 2020 12:51pm:

Good morning 

Thank you for allowing me to join your group.

My husband and I are thinking of moving to Mojacar.

Would appreciate any advise please

Thank you



Linda1956 we have live in Mojacar for a year this Sat in Marina de la Torre,  we love it even in the lockdown we have the most fantastic view and when everything was open lots of bars and restaurants to choose from and live entertainers which will hopefully come back eventually.  now we can walk along the promenades and enjoy the coastal air and most people respect the social distancing rules.  Before we lived in Arboleas village for 15 years but we spent a lot of time travelling to the coast daily so we moved and have never regretted it.  When the world opens up again we can travel to many different areas from here and really enjoy ourselves with no worry of a garden or a pool which we had at our villa.

Linda1956

Posted: Wed May 20, 2020 4:36pm

Linda1956

Original Poster

Posts: 7

1 helpful points

Location: Mojacar

Joined: 19 May 2020

Posted: Wed May 20, 2020 4:36pm

Alicia 11 wrote on Wed May 20, 2020 4:22pm:

Linda1956 we have live in Mojacar for a year this Sat in Marina de la Torre,  we love it even in the lockdown we have the most fantastic view and when everything was open lots of bars and restaurants to choose from and live entertainers which will hopefully come back eventually.  now we...

... can walk along the promenades and enjoy the coastal air and most people respect the social distancing rules.  Before we lived in Arboleas village for 15 years but we spent a lot of time travelling to the coast daily so we moved and have never regretted it.  When the world opens up again we can travel to many different areas from here and really enjoy ourselves with no worry of a garden or a pool which we had at our villa.

Hello

It sounds the perfect place for us....we are not sure whether we want to be near the beach,live in a villa, apartment  or be in Mojacar old town, we really do need to decide. We are very sociable people so am hoping to make lots of new friends.

Thank you for your message .

Tomass

Posted: Mon May 25, 2020 6:09pm

Posts: 34

3 helpful points

Location: Vera Playa

Joined: 27 Oct 2019

Posted: Mon May 25, 2020 6:09pm

If you dont have a place to stay we have a 2 Bedroom, 2 Bathroom flat in Mojacar 200M from the Hotel Pueblo Indalo Beaches etc to let. Fully furnished.

If you are thinking of buying a place then consider our same Hause with 3 separate flats, Salt water Pool, Garage, Carport,one of the three (the uppermost one) enjoys a panoramic sea as well as Mountain views, incl. 5 new AC's, a80 M²  solarium on top.  etc. in top condition.  Details on www.buymojatom.com. A very good investment and going for a song, as all the Estate Agents assure us. No buyers since the start of the financial crisis 8 yrs. ago. Good rental Income. All that buyers are looking for are flats not Houses.

We are a german couple, 100% "above board"  as one would say, good for advice as well but only when we are in Mojacar. We are presently at home in Germany due to the Lock down.  But if needed we could still let you the ground floor flat mentioned above, and meet later. The lower flat is occupied by a good-hearted, elderly spanish widower, our care taker, wirh almost no English but reliable.

Tomass

Posted: Mon May 25, 2020 6:11pm

Posts: 34

3 helpful points

Location: Vera Playa

Joined: 27 Oct 2019

Posted: Mon May 25, 2020 6:11pm

Linda1956 wrote on Wed May 20, 2020 4:36pm:

Hello

It sounds the perfect place for us....we are not sure whether we want to be near the beach,live in a villa, apartment  or be in Mojacar old town, we really do need to decide. We are very sociable people so am hoping to make lots of new friends.

Thank you for your message .

Posted: Mon May 25, 2020 6:09pm

New post added successfully

If you dont have a place to stay we have a 2 Bedroom, 2 Bathroom flat in Mojacar 200M from the Hotel Pueblo Indalo Beaches etc to let. Fully furnished.

If you are thinking of buying a place then consider our same Hause with 3 separate flats, Salt water Pool, Garage, Carport,one of the three (the uppermost one) enjoys a panoramic sea as well as Mountain views, incl. 5 new AC's, a80 M²  solarium on top.  etc. in top condition.  Details on www.buymojatom.com. A very good investment and going for a song, as all the Estate Agents assure us. No buyers since the start of the financial crisis 8 yrs. ago. Good rental Income. All that buyers are looking for are flats not Houses.

Linda1956

Posted: Mon May 25, 2020 6:35pm

Linda1956

Original Poster

Posts: 7

1 helpful points

Location: Mojacar

Joined: 19 May 2020

Posted: Mon May 25, 2020 6:35pm

Tomass wrote on Mon May 25, 2020 6:09pm:

If you dont have a place to stay we have a 2 Bedroom, 2 Bathroom flat in Mojacar 200M from the Hotel Pueblo Indalo Beaches etc to let. Fully furnished.

If you are thinking of buying a place then consider our same Hause with 3 separate flats, Salt water Pool, Garage, Carport,one of the three (the uppermost one) enjoys a panoramic sea as well as Mountain views, incl. 5 new AC's, a80 M²  solarium on top.  etc. in top condition.  Det...

...ails on www.buymojatom.com. A very good investment and going for a song, as all the Estate Agents assure us. No buyers since the start of the financial crisis 8 yrs. ago. Good rental Income. All that buyers are looking for are flats not Houses.

We are a german couple, 100% "above board"  as one would say, good for advice as well but only when we are in Mojacar. We are presently at home in Germany due to the Lock down.  But if needed we could still let you the ground floor flat mentioned above, and meet later. The lower flat is occupied by a good-hearted, elderly spanish widower, our care taker, wirh almost no English but reliable.

Hello


Thank you for this information and will definitely look at your house.


As travel is not a option at the moment doubt if we will be coming before September.



Tomass

Posted: Mon May 25, 2020 10:40pm

Posts: 34

3 helpful points

Location: Vera Playa

Joined: 27 Oct 2019

Posted: Mon May 25, 2020 10:40pm

Linda1956 wrote on Mon May 25, 2020 6:35pm:

Hello


Thank you for this information and will definitely look at your house.


As travel is not a option at the moment doubt if we will be coming before September.



No Problem. If you have any questins in the mean time  do contact us

Bigstu

Posted: Wed May 27, 2020 6:17pm

Posts: 13

2 helpful points

Location: Palomares

Joined: 28 Apr 2020

Posted: Wed May 27, 2020 6:17pm

Alicia 11 wrote on Wed May 20, 2020 4:22pm:

Linda1956 we have live in Mojacar for a year this Sat in Marina de la Torre,  we love it even in the lockdown we have the most fantastic view and when everything was open lots of bars and restaurants to choose from and live entertainers which will hopefully come back eventually.  now we...

... can walk along the promenades and enjoy the coastal air and most people respect the social distancing rules.  Before we lived in Arboleas village for 15 years but we spent a lot of time travelling to the coast daily so we moved and have never regretted it.  When the world opens up again we can travel to many different areas from here and really enjoy ourselves with no worry of a garden or a pool which we had at our villa.

Sorry to jump in here, we have been looking at Marina de la Torre, glad to hear you are enjoying living their.

Could I be cheeky and ask what the cost of living is like, ie communal fees, electricity, etc.

We are looking to buy a holiday home initially with the hope of taking early retirement and moving over their.

Thanks for any help.

Stewert.

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