Monday, 7 September 2009
Looking good.
As soon as Neil came off the phone, I could tell from his face - it was good news. Everything seems to be in order, there is just one thing left to sort out and then we can really begin to think about packing our stuff into boxes and moving one more time, but this time will be the last, hopefully, for many years.
It's all very exciting and a little bit scary at the same time. It means we are really going to stay in Spain, we'll have our own little corner of Spain for the dogs to run and play and bark in, we'll have our own home to decorate and do-up as we want, something I have missed by being in a rental property for the last 15 months. We'll have our own fruit trees and vegetable patch. But that's probably for next year.
Initially we'll have to finish the house!
Tuesday, 1 September 2009
Buying a house in Spain, the process.
Firstly, there is the 'Escritura' which details the property that is for sale and secondly, the 'Nota Simple' which shows who owns the land/property and whether there are any charges against it. It is advisable to get a copy of the Nota Simple as close to the purchase being concluded as possible to avoid any late charges being added.
Normally, when an agent takes a property on the market for sale they ask for a copy of the 'Escritura' to be able to describe the property they are marketing correctly, so they are able to send this copy to the purchasers solicitor, once an offer has been accepted by the seller.
So, what happens next. You've found a house you like and your offers been accepted.
Normally, once an offer has been accepted a deposit of €3,000 is paid by the purchaser to their solicitor. This takes the property off the market. The solicitor will hold the payment until all the paperwork is checked and deemed ok and then the deposit is passed on the the seller. It is at this stage that any extra items to be included in the contract should be added. If, at this stage the owner decided to sell to someone else, they would need to refund you twice the holding deposit. This tends to avoid any problems of gazumping. If the purchaser was to pull out at this stage they would forfeit their deposit, unless something was wrong with the paperwork.
This seems like a pretty good system to make sure both sides don't mess the other about.
So, we are currently at the stage that we have paid our deposit to our solicitor and he is now checking through the paperwork and hopefully, in a couple of days, we will get a call from him to say everything is ok, at which stage we will know that we are definitely buying a house and we can start planning the next stage of our adventure in Spain.
Exciting and scary at the same time.
More soon.
Monday, 31 August 2009
One step closer!
In Spain it is important to have all the necessary checks done, just as in the UK, to make sure the house is legal, the owner actually owns it, that there are no debts attached to it etc, etc. Because this property has been renovated we need to be sure all the work has been carried out with the correct licences etc, etc, etc.
So, we are one step closer to buying a house - but we are still waiting to find out if the paperwork throws up any unexpected surprises.
Hopefully not!
Saturday, 29 August 2009
To offer, or not to offer - that is the question!
There are 2 properties we liked, there are 2 of us - we're bound to like different ones, right?
Wrong! Although we both liked both properties, we both had a preference for the same one, we could both see ourselves and the pups living there.
So, do we take the plunge? - in total we have seen about 20 properties (I've not bored you with every viewing, just a variety), we've known which ones we weren't interested in, which weren't right for us and why, and these 2 feel right. We have been giving each property we've seen a mark out of 10 and anything 8 or over was to be a consideration, as we accept we are unlikely to find the perfect property - but if it has potential to become the perfect property, then it will score high.
The 2 we like have both scored 9 out of 10 from both of us.
So, how to choose which to make an offer on.
And in the end, it came down to the view, who wouldn't want to open their front door and gaze out onto this each morning? No traffic, no houses, nothing but uninterrupted countryside!

The house is set in 3 hectares of land, that's 30,000 sq. mtrs - that's the whole valley.
So, we slept on it, we chatted some more and decided - we would make an offer and let fate decide. If the offer was accepted, we would be buying a house, if the offer wasn't accepted - then we still had the other property to consider.
We phoned the agent and gave him our offer, subject to all the paperwork being in order. He told us he would contact the owner and get back to us, probably the next day.
So, all we had to do now was wait!
Wednesday, 26 August 2009
More properties!

Monday, 24 August 2009
A day of viewings - Part 3.

And once again, we found ourselves heading for the Rambla. Now, the sides to the Rambla are very steep and there are properties dotted all along, and the quickest way to get to some of them is along the Rambla, which considering how long it is since we've had any rain, is not a problem at all. The property we were going to see was built high up on the Rambla hill, but it said it had good access.
Now, one lesson we've quickly learned is that what some consider good access, others would seriously struggle with - and this house turned out to be in the latter category! It was up a very steep lane that ran between 2 houses that we barely fit between, and then up some more. It was tarmac, I'll grant you that, but incredibly twisty and turning and at one point I'll warrant the tarmac was no more than 6 inches wider than our wheels, with a steep drop to the Rambla below. This house could have been perfect for us, but we wouldn't be buying i
t - there was no way I would be able to drive up and down this track! But the views were stunning!
As it happens, the property wasn't bad. It had been partly renovated by a couple who had run out of money, (not an unusual story over here) and so wanted rid of it. They were obviously descended from a family of mountain goat herders, not to be bothered by the drive up - but this one was definitely not for me!
So, a long day and not a property that was right for us - but we are getting a better idea of what we are looking for and more importantly, what we are NOT looking for!
We have another day out tomorrow.
Saturday, 22 August 2009
A day of viewings - Part 2.
So, we met the agent and owner at a nearby bar. The owner's family owned the land and house and all lived locally. His sister is currently harvesting the almonds and there are a lot of trees, as again, this property had a hectare of land.

This was a fabulous area and the views were stunning, across all the almond fields to the mountains but the house was just too small. There was a living kitchen with a bathroom off to one side, which we found an odd place for the bathroom and off the other side were 2 bedrooms - and that was it. Now, I know I've downsized since we left England, but I was really going to be struggling to get the basics in here. We worked it out that we would need to build the same amount of space again and that would be another long-term project. But it was one we discussed in length before deciding it wasn't for us.
The agent then said she wanted to take us to a fully reformed country house about 15 minutes away, not one we had seen on the website but we had by now decided the other property we had planned to view was probably not right for us so we were happy to change our plans.
One of the things we have to keep in mind is how quickly we can drive to the main road to get to our golf club. Well, this next property was down a fantastic road through the countryside, steep hills covered in almond, olive and pine trees and when we reached the property it was in a cluster of 3 houses set on the side of the hill with views down the vally.

It was a beautiful house BUT off a very steep, dirt track from the top of the hill or up the Rambla from the bottom of the hill and just a little too remote to make golf within a driving distance.
And so, off to meet the last agent and see the last 2 properties of the day.
A day of viewings - Part1.

A Rambla, here in Spain, is the term used for a dry river bed, of which there are many locally due to the lack of rain. The bottom of the river bed is used to access the properties built along the Rambla. For the majority of the year these are very dry and very dusty but in the wet season when we have the torrential rain they will channel the rainwater along the Rambla and off to wherever it goes. So, depending in where they are on the Rambla this may mean it's ok ..... or not.

On the way we called off to see a new built villa that the agent had on the market. It was a lovely villa but the internal plan of rooms didn't work for me and it was above our budget, although the agent said they would take an offer (as we are finding on many new builds out here).
Anyway, 10 minutes later we were driving along a dirt track at the side of a ravine to a large farmhouse set in a hectare of land. This was in need of total reform and would make a lovely
house when done.


Tuesday, 18 August 2009
Time to select some properties to view.
No, no, no - now don't be silly!
Having worked in the house selling business for over 20 years I suppose I think I know a little about how these things are done but here you need to wind the clock back to 20 years ago, and then muddle into it multiple agency on a major scale and you're starting to get there.
We have decided we want a house in the country with space for the dogs to run around and bark if they want to. We would like somewhere with a little land which has some almond & olive trees and fruit trees. We would like to be on the outskirts of a small town with predominantly Spanish residents and with a central square at the heart of the town. We are happy to take on a renovation property in the right place, but not a total ruin - the minimum it must have is 4 outer walls and a roof! Believe you me, out here they sell some real runis for restoration - most need knocking down and starting again - not a task for us.
We have narrowed it down to an area about an hour inland from Terreros and so, with the map laid out fully, I trawled through website after website, trying to identify properties which fit our budget, our tick list and in the right areas. I made a list. I rang the agents to make appointments. Job done.
Or so you would think.
First, they have to check whether the property is still available or if it's been sold by another agent and not been told, one of our choices has been sold we discovered later. Then there is the issue of keys, if the owner lives abroad they don't always leave the keys with the agent so they have to request them to be sent through in order to show us around - but we can have a look at it from the outside and look through the windows, if we want to. Well, at least we would be able to say whether it was worth getting the keys or not, from it's location and external appearance! But it's not how we would do things in Sheffield.
So, we have appointments to view about 6 properties tomorrow which, according to the website details all fit our outline requirements. I feel it's going to be an interesting day.
Sunday, 16 August 2009
Spanish Property Websites.
So, finding the names of the agents and their websites is quite laborious. There is one very good site to start this process - www.kyero.com the Spanish equivalent of Rightmove for houses for sale in Spain. The problem is, from what I understand, that the agents have to pay for each property they advertise on there so they only put a selection on, which means if you are seriously looking you need to search for the properties in the area you are interested in and then from the list, access all the websites for all the agents who are in those areas.
Then you have to make copious notes about what property you have seen with which agents. Also, properties can be marketed by several agents so sometimes you will find the same property listed on Kyero more than once, and often at different prices as the owners don't always tell all the agents when they have reduced the price. So we are now finding that agents will say to us that they need to check with the owners to see whether there has been any change to the price.
It's a good job I have plenty of time on my hands - I'm in for a long time on the internet.
Friday, 14 August 2009
And the hunt is on......!
So, having lived in Spain for over a year what have we learnt about where we want to live?
Well, not by the sea.
It's very nice to visit, and of course is lovely for anyone visiting us but in reality we don't go to the beach, we don't swim in the sea and for 2 months of the year in summer it's chaos with tourists and for 2 months of the year during winter - it's closed. Whilst it's definitely warmer here which is good for my arthritis, I find that the air is very damp from the sea, especially in winter which is not so good.
Back to the tick list from 2 years ago to see which items on it are still relevant. Of the items on there the top one is still important and that's GOLF. We are members at a very nice club with a fabulous course. We have a lot of friends at the golf course and so it's a pin in the map where the golf course is and a circle around it that's gives us an hour or under to drive to golf.
This opens up a whole area of inland Almería. So, it's off for a drive to do some research on the areas, to find out which towns and villages we would like to be near, to find out what property prices are like a little further inland and to see if we can find somewhere we want to live.
Living in Spain is very different to thinking about living in Spain and we are so pleased to have spent a year here to find out how we live, what we do, where we go, who we socialise with etc, it makes finding the right property so much easier than trying to do it while still living in Sheffield and coming out on holidays.
One thing is for definite, it's a really good idea to rent for 6 -12 months before buying, just to be sure you ahave really chosen the right place.
Ok, now to checking out house prices - I wonder where to find the Spanish equivalent of Rightmove?







