1/ Define your needs!
So, you´re ready to buy in Spain. This is where the fun really begins.
Whether or not you are familiar with the area, you need to get yourself over here and take advantage of one of our subsidised viewing trips. If you book the flights, we´ll accommodate you in an apartment through the Comaskey Property rental department.
You need to be able to tell us why you're buying here. Is it part of a wealth building strategy, a retirement home you´ll one day pass to your grandchildren or a luxury beach home where you can entertain clients and associates, family and friends.
Your viewings will be tailored to suit your needs. Perhaps you´ll already have consoled yourself that you cant get it all in one property, but if you have clearly defined notions of what you want, we will get very close to that.
If we cant see the target however, how can we hit it?
2-Trust your estate agent
People choose to buy from us, not because we are necessarily the best sales people in the world but because we live here, raise our families here and what we tell you about property in Spain, we passionately believe to be true.
Too many articles are written about "buying in Spain" by non professionals and the Internet is full of experts telling you why not to buy anywhere.
Trust Comaskey´s to tell you what prices houses sold for ten years ago (we sold them then too) and what you can buy your dream house for today, where is the quietest or wildest area, who is the person to talk to about finance, tax, furniture or anything you can think of.
We´ve done it all before and you can trust us. Too many people who should have bought here didn't because an expert advised them that it was better for them to invest in Budapest, Turkey or Kabul. Trust us, to give you the best possible advice.
3/ Begin the search!
Now that you know what you are looking for, we will source the right properties for you.
Comaskey Properties have access to hundreds of resale properties, bank repossessions, property direct from the builders and indeed through our links with other agents you can buy pretty much any house for sale on the Costa Blanca directly from us in our La Zenia office. What we show online, is just a sample so please email if you have a specific request. We even sell properties sometimes which are not yet on the market! That´s how good we are at this business!!
4/ Get finance
Should you need financing in Spain, Comaskey Properties can talk to banks and brokers, get pre-approval for a loan for you so that once you see exactly what you want, you are ready to move on it. This pre-approval can be invaluable particularly to bargain hunters. Typically CajaMurcia and Sol Bank, our preferred lenders, will offer you 70% of the value of the property. By the end of 2010, these banks had sorted out their well documented financial problems and thankfully the banks are back in the business of lending.
5/ Securing the Property
Once we´ve found you the perfect property, we draw up an agreement between buyer, sellers and ourselves so that the price is secured and both parties know that, all things going according to plan (eg survey, loan application etc) the property is sold and off the market.
Often buyers will speak to their lawyers at this stage to ensure that their deposit is protected in the unlikely event that something goes wrong. You sign the paperwork, pay the deposit and the hard work is done.
Your legal representatives will ensure you do not inherit a house with electricity bills, water or community fee owed. Again, online experts will tell you that you can do this yourself. Our advice is don't skimp on the last few euro and pay a professional legal firm to ensure everything is ready. We get buyers and sellers together in the local Notary to complete. You hand over the balance of the money in front of the solicitor, seller, possibly banks and certainly the notary. In return you get the key to your (hopefully) dream home in Spain.