If you were expecting your lawyer to do the conveyancing that you would expect in your country of origin, you may be surprised to find out that for many lawyers here who advertise property purchase and sale contract, that is all they actually do. This is in stark contrast to what you would expect in the UK for example.
So if you expect a more comprehensive service, then you need an experienced conveyancer who will spend time carrying out searches so that you do not have any nasty shocks after buying your new home.
You do not want to leave any of that to chance, just as you would not have done in your property purchases before coming to Spain.
All mortgage providers will send a valuer to the property, but their only motive is to make sure that it is worth what they are lending you. This is called "Tasación". If you were expecting them to point out any structural faults or potential problems, then you need to arrange your own structural survey. We can help you to arrange all of this cost-effectively and quickly.
Buy with peace of mind and enjoy your new home.
We can help you to draw up solid contracts which will protect you when renting out your home.
If you have a tenant who has stopped paying rent and/or bills, you need to look for a solution which does not become messy or lead to an unpleasant stand-off. If there is no other way forward, we will take immediate action to assist you in regaining control of your property.
If you are renting out a property as a holiday home, the ideal situation is that your guests have a wonderful time while you make money. But things can go wrong and you need advice immediately if they do.
The first thing to do is to find out your legal situation. So don't hesitate to call an expert property lawyer.
If you unwittingly purchased or built a property which is located on land not designated for urban development, you may well be able to legalise its status, enabling you to:
Register your property at the Land Registry
Get on the local padrón
Connect utilities legally
Sell your property
And live free from the fear of demolition, fines or legal action.
The process can be completed in a matter of weeks. Click on the photo (right) to learn more.
Ignacio is here to help you if you have discovered that your credit card contract contains unfair terms which are to your detriment.
If you are faced by spiralling debts on your credit card, a balance you can't seem to pay off, find out if your credit card is a "revolving card", and exactly what you can do about it.
The banks in Spain may not always advise you of what your rights are. The longer we live here, the more we get used to commissions and charges we had never experienced in our home country.
But don't just sit back and accept every unexpected charge or condition. Let an expert cast his eye over your situation and advise you or your rights.
Always on top of the latest developments, Emma is on your side if your bank has imposed unfair terms on you.
If you have been affected by a "clausula suelo" (floor clause) on your mortgage, a builder going bust and are trying to reclaim your deposit, or any other such situation, get some advice and work out the route to a solution.
Spanish judges are taking a dim view of banks who insert ambiguous or unfair clauses and terms in their contracts, taking advantage of their position to impose them on their customers.
An abusive clause or term is one which you have not expressly consented to, and which have negative implications for you, the customer.
Recent court cases demonstrate that the courts expect banks and other such organisations to act in good faith and not to mislead their customers.
If you or someone you know has a card balance which never seems to go down even though they pay what they have been asked to by the card issuer, the chances are that they have inadvertently signed up for what is called a Revolving Credit Card.
But you can do something about it. The clauses in these contracts are often unfair and may be considered abusive and contrary to the principle of good faith.
Yes, we are all supposed to read every word of a contract before we sign it, but does anybody?
Recent judgments in Spain have shown that judges understand that we do not take in every word, nor are we expected to fully understand the implications of cleverly written terms which might trip us up.
If you feel that you have been the victim of an abusive term or clause, let us advise you what can be done about it.