On arrival at Faro Airport our hired car was waiting for us.

Villa was wonderful in fact I would say it was a perfect retreat spacious and well furnished maid service, clean towels and bed linen every day.

The choice of beaches within easy reach of the Villa was remarkable Carvoeiro Bay is a haven of sheltered golden sands carved into rugged cliffs.

We did quite a lot of exploring family members all catered for water parks, leisure facilities, my better half was in heaven with the golf parks in fact he could not shut up about them you know what men golfers are like. My delights were the colour markets you can absorb the atmosphere and immerse your self in the regions rich history.

Eating out which every one enjoys on holiday restaurants in abundance couple of examples beautiful soups (sopas) caldo verde followed by pork with clams, or roast suckling pig,

grilled squid or cod with egg and potatoes, washed down with a bottle of Douro Reserva I could go on about the food for ever, but I do not want to bore you.

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I got myself onto the Internet and searched around for Villas in Spain, Majorca, available for four people, I found to my surprise dealing with the person who owns the property you cut out the middle man, whereas a travel agent would charge you per person, say for example £300 each, book direct with the owner it would be £500 per Villa, of course you do have the flights to book as well, but they are extremely cheap these days

I decided to call the owner, instead of talking by email , make sure you have a lot of questions to ask , if you feel you are not getting the right answers then don’t book try another one, once you have decided on the Villa you would like always get a written confirmation before you hand over any money.

I suddenly realised how much spending money I would have left for my holiday, which of course made me very happy 

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• Can I take my car to Spain?
Provided that you have owned your car for more than 6 months, you can take it to Spain. Before you leave you will need to apply for a certificate of permanent export from the DVLA, and you will have to surrender the original registration document. If you become a Spanish resident you will need to re-register the car on Spanish plates in order to use it.

• Can my children be educated in Spain?
As Spain is an EU country, the state education system is free of charge and also generally of a high standard. Spanish examination qualifications are also internationally recognised.

• Will I be allowed to work in Spain?
Any member of the EU is allowed to work in any EU country.

• Can I take my dog or cat with me?
Pet dogs and cats are allowed in Spain, but please make sure that inoculations are up to date and that the animal is microchipped. The next step is to apply for a pet passport that will allow the animals to return to the UK without going into quarantine.

• Can I have my state pension and other pensions paid to me in Spain?
The answer is yes. Information about how to do this is available from the DSS in Newcastle. Payments can be made directly into your Spanish bank account. The same also applies to private pension payments – just let your provider know of your new bank account details.

• Is there health care available?
Spain has an equivalent system to the NHS in the UK and it also has private healthcare provision which is available through private health insurance. The Spanish NHS is of a good standard and is free to an EU resident.

• Do I need an identity card if I move to Spain?
All European countries operate an identity card scheme, apart from the UK. You will need to apply for a card at a national police station, which has a foreign department. Before accepting a credit card, many shops and supermarkets in Spain will ask to see your ID card, so it is useful to always have it with you.

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At Web Select Villas we believe that the process of buying a home for family
holidays or retirement in Spain should be a pleasant and rewarding experience.

We are here to help assure that it is one of the best experiences you will
ever have.

Our UK Offices are based in the North West of England, but we can arrange
inspection tours from any UK airport. We have a range of satisfied customers
based not only in the UK but also from locations all over Europe.

Our staff are all highly trained and experienced in the property market in
Spain. It is essential that you make a personal visit to the areas to get
a feel for the various locations. We will arrange no obligation inspection
visits for people who are serious about buying a property in Spain. This removes
the hassle of picking out directions from maps and will enable you to experience
a particular area and view specific properties or developments. You will also
have the opportunity to discuss in detail your requirements and be shown around
the areas of interest by an experienced professional with extensive local
knowledge. All our property guides are bilingual and able to help with any
communication issues.

(Please note: - we only sell FREEHOLD properties with unencumbered title
deeds).

For details of what to do next click here.

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To enable us to reserve your inspection visit, air tickets and accommodation, please complete the enclosed form to the best of your ability, with the relevant payment, and send it clicking the Submit button.
As soon as we have received your completed booking form and payment instructions, we shall contact you to confirm your flight dates and itinerary. If you have any doubt on how to complete the form, or any other question, do not hesitate to contact us by phone.

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• Itinerary Day 1
am/pm. As soon as you arrive at the airport you will be met in the arrivals hall by one of our team members and taken to your hotel to check-in. After you have been able to refresh yourself from your journey, you will then be collected from the hotel for a guided tour of the area and shown places of interest. Your evening meal will be spent at a local restaurant.

• Itinerary Day 2
10 am Depart hotel for further tour of the area and amenities, commence inspection visit of properties.
2 pm Break for lunch (In a local spanish restaurant especially selected by us).
3 pm Resume inspection visit of properties.
5 pm Return to hotel for a rest and recuperation.
8 pm Depart hotel for evening meal.

• Itinerary Day 3
Same as day 2

• Itinerary Day 4
10am. Leave hotel for further inspection or re-inspection of selected properties or areas.
1pm. Help and advice on financial, legal and other services offered by Euroselect.
2pm. Lunch
3pm. Further viewings of continuation of the morning’s discussions. Meetings with solicitors and banks if required.
5pm. Return to hotel for relaxation and review of inspection visit.
8pm. Depart hotel for evening meal.

Please note:
The above Itinerary is an approximate guide of what to expect on a Property Inspection Visit. Please be aware that some Itineraries may vary due to flight arrival/departure times. At no time will you be pressured into making a purchase.

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Applicants should expect to provide the following documentation along with the valuation.

Last tax declaration…P60
Personal details…address in the UK, passport copy etc
Letter from your UK bank
Last three payslips or previous years accounts if self-employed
Once these details have been supplied the bank will normally have an answer for you within 2 weeks.

Many UK residents have recently been re-mortgaging their houses so that they can release sufficient equity to purchase or part-purchase a property in Spain or elsewhere overseas. You already have some equity you may still need a mortgage of some sort to complete on a house purchase. If you talk to us, we will help you find the best mortgage to suit your financial circumstances.

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EU nationals visiting Spain have access to free health care through the Spanish equivalent of the NHS. When you are visiting Spain – perhaps on an inspection visit – please ensure that you are carrying your E111 form which is normally available from Post Offices in your home country. The E111 covers emergency medical treatment while you are visiting Spain.

If you choose to become a Spanish resident and pay government taxes, you and your family, will be allocated a doctor and a clinic within the Public Health system.

There are two levels to the private health system, with Medical insurance companies such as Signa or Caja Salud who have their own hospitals clinics and other medical facilities. The service they provide is the same if not better than the public system, but is paid for through your insurance premium payments. The second level is for private medial companies who use the public services on an as and when needed basis – and they pay the hospitals directly.

PHARMACIES
For a minor medical condition, your local ‘farmacia’ will be a good port of call. They are easily recognised with the Green Cross outside their premises. The training the pharmacists receive is excellent, and many do speak English, so they are often happy to give assistance. It must be stressed that they will only deal with minor complaints. As in the UK, there is a rota system for pharmacies, so that a 24 hour coverage is given to the community. Normal pharmacy opening hours are from 9am-1pm and then again from 4-7pm. By law, Spanish pharmacies must sell you the cheapest brand of medication if that’s what you ask for.

EDUCATION
Private Education
The NABSS (the National Association of British Schools in Spain) represents the interests of some 40 schools in Madrid, Barcelona, and the major expatriate centres of the Costa Blanca, Costa del Sol, and the Canary and Balearic Islands. Its main area of interest is to promote and defend the interest of member schools and, by extension, the needs of children and their parents. The organisation hosts training sessions in Spain and a yearly conference in a different part of the country.

To give an example of the sort of thing the Association does, it has recently been talking to the Spanish authorities to make sure that pupils of NABSS schools get the best possible access to Spanish Universities. It has also been assisting in the formulation of a new inspection system for schools.

All NABSS establishments are visited and checked by inspectors from the UK. They ensure educational continuity for the expatriate children and have also proved popular with Spanish parents. For full information on each school and a guide to education in Spain please click www.nabss.org.

Public Education
As in the UK, the Spanish public education system offers schooling for children up to 18 years of age with the option of continuing education at University.

The Spanish system differs from the UK in that children stay in the same school for the period from the ages of 5 to 16, and subjects are taught in Spanish with English as the second language. Before going to University – if that is the chosen path – pupils need to go to an ‘Instituto’ between the ages of 16 and 18.

There are many benefits to be had from placing your child in Spanish eucation, with the speed of learning the language and integation into the community being the most notable.

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For example, a property valued at £100.000

IVA (Spanish equivalent of VAT at 7%)…………………………. £7.000
Stamp duty (On New Properties at 1%)………………………… £1.000
Legal fees ( Spanish Lawyers fees at 1%)……………………… £1.000
Notaries fees (Approx 0,5%)……………………………………… £500
Land Registry & Gestoria fees (Approx 0.5%)………………… £500
Total……………………………………………………………………. £10.000

There are also fees that that do not apply to every purchase such as plus value tax, a local government tax on the increase of the value of the land since the last sale (usually £40).
There is also a charge for connecting water and electricity in a new property which is around £300.

ANNUAL RUNNING COSTS -NON- RESIDENT PROPERTY OWNER

• Wealth and Income Tax are payable once a year and are calculated as a percentage of the property value.
• Wealth Tax is 0.2% of property value.
• Income Tax is 0.5% of rateable property value.
• Local rates are payable between August and October £30 - £150 per year.
• Fiscal fees are payable yearly at £75.
• Community (Urbanisation fee) is usually paid in one or two payments per year £250 -
£350.
• Electricity bills come every two months and there is a minimum charge is around £15.
• Water bill will arrive every three months and there is a minimum charge is about £10.
• House Insurance is due once a year depending on the date of your purchase contract.
The price will depend on the size and value of your property.
• Approximately £750 should be set aside each year for the running of the house. If you
are not in the country, your fiscal representative (Gestor) will pay them on your behalf.

THE NORMAL FINANCIAL PURCHASING PROCESS

The purchase process may alter from property to property and there is an in-built flexibility in our purchasing process, but the following is not untypical:

When you have found the property you want to buy, there will be a holding deposit payment of usually £2000 when you sign the purchase contract with us.

If you are purchasing a new property that is either completed or in the process of being built, you normally pay a deposit of between 25% and 40% and the balance at completion of the sale. This could be within a few weeks.
If you purchase a new property with an extended delivery, say six months or more, then you will be required to make additional stage payments:

1. 25% of the purchase price within 30 days of signing the purchase contract
2. A further 25% of the purchase price within 90 days of signing the purchase contract
3. Finally, when the property is completed and ready for occupation, the final payment of the purchase price will be made.

If you are purchasing a resale (second-hand) property, then you will be generally required to make the following payments:

1. £2000 deposit when you sign the purchase contract
2. 10% of purchase price within 30 days
3. No further payment until you complete the purchase

Completion time will vary but the average time to complete is six to eight weeks.

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We believe that the process of buying a home for family holidays or retirement in Spain should be a pleasant and rewarding experience. As you move through choosing your location for your new property, deciding upon the type of property, then choosing your furnishings, and finally to planning your relaxing days in the sun. We are here to help assure that it is be one of the best experiences you will ever have.

It is essential that you make a personal visit to the areas to get a feel for the various locations. You can of course do this on your own where you are free to roam at will where ever you wish. But this is also very frustrating and time consuming as many of the favoured places are not easy to find. They may be off the beaten track in delightful and tricky to find locations particularly if you are new to the Costa Blanca.

We will arrange no obligation inspection visits for people who are serious about buying a property in Spain. This removes the hassle of picking out directions from maps and will enable you to experience a particular area and view specific properties or developments. You will also have the opportunity to discuss in detail your requirements and be shown around the areas of interest by an experienced professional with extensive local knowledge. (Please note: - we only sell FREEHOLD properties with unencumbered title deeds).

WHAT TO DO NEXT!

• Step One
Decide to book an inspection visit with us, this just could not be easier!

• Step Two
Choose your visit dates.
(We recommend weekdays, Monday to Thursday and can arrange travel from most UK airports).

• Step Three
Give us a ring or post your booking form.
(Please have alternative dates ready due to flight availability).
Once we have received your completed booking form and payment, we will confirm your flight details in writing.

WHAT HAPPENS WHEN YOU ARRIVE IN SPAIN!

You will be greeted by a member of our local team as soon as you arrive at the airport in Spain. We have a number of hand selected hotels and you will be taken to one of the them for the duration of your visit. Many are well located with views of beautiful sandy beaches, high standards of comfort and great quality of service. All meals are included and special dietary requirements be they vegaetarian or other needs can be catered for.
After unpacking and some time to relax, a member of our advisory staff will take you on a tour of the area that we consider best meets your initial brief to us.

There is no obligation to buy, though we will aim to find you somewhere that you will find hard to resist. Our staff are bilingual and will help with any information you require you and answer any questions you may have.

Should you be successful in finding a property to purchase, we will introduce you to a qualified English-speaking solicitor. We will also help you to open a Spanish bank account and, if required, introduce you to a Spanish bank advisor to discuss financial details. The only thing we ask is that you are in a position to proceed financially should you find a property of your choice.
What could be easier!

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