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Magical summer fun on the Costa del Sol

The sunshine is heating up on the southern coast of Spain. As the days get longer and the afternoons get hotter holidaymakers have even more activities to choose from than usual, to ensure a fun packed vacation for all the family.

The magnificent region of Andalucia has been blessed with a landscape that presents many perfect natural venues for walking, climbing, cycling, and activities involving water. A myriad of rambling trails, rock formations, and rivers nestle amongst the foothills of the mountain ranges above Marbella and its neighbouring coastal resorts. These rural facilities are utilized by event companies to provide outdoor activities like canyoning and river walking that challenge and thrill the young and old.

Down on the coast, water lovers can swim, snorkel, sail and paddle with or without assistance from a professional company. The mediterranean sea is obviously a treasure and a wonderful asset for the Costa del Sol and provides an endless perfect setting for outdoor fun - even if that is just a glass of wine in a chiringuito!

The availability of twilight golf across the district is a godsend for anyone who wants to avoid the midday or afternoon heat whilst enjoying a four ball. The area around Marbella, along with the coast, and down to Gibraltar boasts some of the best golf courses in Europe and players can enjoy the magic of twilight golf at some very reasonable prices.

So the next time you visit Andalucia remember to pack some sports apparel and an adventurous spirit!

Walking on water with stand up paddle

PaddleSurf Marbella is a stand up paddle school and club based in Marbella that promises to have you walking on water in no time. Unlike some paddleboard companies, PaddleSurf Marbella doesn’t just hire out boards but focuses on individuals so that they reach a competent level in the shortest time. Before you know it you will be paddling across lakes, down rivers and even catch a wave or two!

http://www.paddlesurfmarbella.com

Golf at twilight

Both golf aficionados and newcomers to the game will enjoy tackling El Higueral Golf a picturesque nine hole course that lies on the land at the foothills of the village of Benahavis. This golf course has been designed with special features and blessed with beautiful vistas that will surprise and delight at every tee and green. The golf club offers extremely reasonable rates for twilight golf both in low and high season and promises all comers a magical golfing experience at the end of each summer day.

http://www.elhigueralgolf.com/

Why not combine a few adventures?

There are some fantastic companies in Andalucia that can provide a package of activities for thrill seekers and sporting enthusiasts that will test nerves and open up new horizons. One of the best is Nalusur who promise adventure, culture, and escapism in droves by combining sporting activities, unique cultural pursuits, and breathtaking landscapes. You can choose from a comprehensive list of activities and tours that include canyoning, yoga on paddle boards and bike tours that focus on Spanish cuisine.

http://nalusur.com

#Properties #propextra #propertyportal #resalesonline #Adventure #holiday #holidayadventure #familyfun #familyhome #marbellafamilyfun #Marbella #spain #livingthedream

Buying a Spanish property - processing a mortgage in Spain

So you've found your Spanish home from home, your ideal holiday abode, the perfect casa for you and your family. Now for the boring financial details and some general guidelines on how to process a mortgage in Spain.

There are normally some important differences between a Spanish mortgage and mortgage loans provided by financial organisations based in other countries within Europe. A notable difference is that Spain uses a notary system and any dealings relating to property and mortgages must be registered and signed for at a notary office.

In addition, the fees associated with processing a mortgage in Spain vary from those charged in UK, Ireland and other European countries. It is essential that you do your homework in relation to these costs to ensure that you have enough capital to process the purchase of the property to completion.

Spanish banks are normally able to arrange a mortgage for both Spanish tax paying residents and also nonresidents who don't reside in the country or pay taxes there. So as with any financial lending process you should research and compare suitable money lenders that provide mortgage services that suit your residential status.

Make sure you find the right organisation that is able to accommodate your payment capabilities and takes time to investigate the different interest rates and repayment plans offered by each company.

Your legal advisor should ensure that you fully understand the mortgage that you intend to sign up for, the additional costs entailed and the repayment proposal in place. If there is anything unclear then ask more questions - dot the ‘i’s and cross all the ‘t’s! Don’t leave any issue unconfirmed.

Important figures

There are several large fees that need to be paid when purchasing a property in Spain. Prospective buyers should be aware of all additional costs entailed when buying Spanish property to ensure that they have enough finances to cover all essential charges.

It is generally recommended that anyone looking into arranging a Spanish mortgage should also consider that they put aside 12% of the purchase price of the property to cover additional costs. A list of these imperative costs will include the following:

Spanish mortgage deed duty: 1.8% of mortgage

Bank fees: 1% - 1.5% of mortgage

Notary fees: up to 0.5% of mortgage value

Property valuation fee: 0.10% of the value of the property

What is a notary?

A notary is an independent professional that is qualified under Spanish law to certify private agreements in accordance with the law of the country. An individual is unable to buy or sell a property in Spain without documentation for the procedure being processed by a notary.

Essential Info!

Check that your mortgage lender is authorised to operate in Spain via the Banco de España website:

https://www.bde.es/bde/en/

All the information you need relating to a mortgage in Spain is available from the Spanish Mortgage Association (Asociación Hipotecaria Española, AHE):

http://www.ahe.es/bocms/sites/ingles/pages/Home.jsp?mID=61

#propextra #propertyportal #resalesonline #blog #costadelsol #marbeela #spain #livingthedream #mortgage #notary

Where to watch this summer of sport?

Best sports bars in Marbella

To the sound of general disbelief, Spain is already out of the 2018 World Cup. Meanwhile England fans and those supporting them from the other home nations and Ireland (there might be some!) - are all holding their collective breath for the English team to proceed further in the competition.

If England continues and manages to beat Sweden in the quarterfinals then the dream will endure for a few more nervous exhilarating days. If they don’t then maybe your attention can be diverted by the tennis coming from the hallowed green lawns of Wimbledon. Or maybe some other sport that you can enjoy along with a beer or coca cola and some great atmosphere. It doesn’t all have to stop when the football stops.

So whilst in the Marbella area, either living, on holiday or house hunting, you may well need a recommendation for a good sports bar where you can view your favourite sport, cheer on your team or hide from a penalty shootout.

Whatever happens with England and Sweden there will be other exciting World Cup games to be played out, including the final of course. And looking ahead alongside Wimbledon fortnight the 105th Tour de France starts this forthcoming weekend. And for those fond of international athletics, there are many meetings to be broadcast through to mid-September including the European Championships from Berlin in early August.

So if it’s golf, running, a round ball or one shaped like an egg, you can catch some great sports action at one of many brilliant sports bar in this area of the Costa del Sol. Here we recommend a few of the best:

Red Cloud Marbella - a French sports bar for foodies, sports fans and everyone

They do everything well at Red Cloud Sports Bar. The setting, the service, the food, the atmosphere, the music and the cocktails. Oh and you can watch sport on one of their many well-positioned tv screens whilst enjoying else. Run by two Frenchmen this trendy US diner-style bar serves American Classic and Asian food to happy groups sat at the comfortable booths indoors or outside on the terrace.

https://www.facebook.com/pg/redcloudmarbs/

Flanker Bar - a Spanish rugby welcome in San Pedro

A Spanish rugby bar might sound fairly unusual but Flanker Bar is the perfect venue for rugby fans to enjoy international tours, Six Nation fixtures and club tests alike. There is a large screen inside the bar (that sells great tap beer) and also smaller screens outside which are perfect for watching a game whilst eating something tasty from the Flanker bar food menu. Visitors be warned this a rugby bar first and foremost so you should check beforehand if they will be showing any other sports event.

https://www.facebook.com/pg/FlankerBar/about/?ref=page_internal

The Emerald - a warm and fun Irish welcome to all

The Emerald sports bar is located in the Cortijo Blanco area of San Pedro de Alcantara about five minutes walk to the beach and promenade. This fun watering hole has had a reputation for many years for offering a wonderful Irish welcome to one and all; this pub is child-friendly but also caters to the sports enthusiastic grown-up who wants to sit up at the bar. The Emerald has recently undergone a fantastic renovation and the setting is now as enjoyable as the bars brilliant atmosphere.

https://www.facebook.com/emeraldsportsbar/

The Claddagh Bar - music and sport in Marbella

The Claddagh is a lovely pub located in the heart of Marbella and close to the beach. A traditional Irish bar (another one, the Irish do them so well) where you can enjoy the sport on one of four wide screens or join in the fun on one of Claddagh’s musical evenings. They are known in the area for their brilliant Sunday open mic nights where musicians and budding musicians turn up to entertain each other and anyone else there for the music. And for the sport, they show a full calendar of premier league football, Gaelic games, tennis, snooker and more.

https://www.facebook.com/TheCladdaghIrishBar/

#propextra #propertyportal #resalesonline #lvingthedream #worldcup2018 #sports #weekend #spain #costadelsol

Renting out your Spanish property? Some good advice for new landlords

Have you recently purchased a property in Spain with the intention of putting it on the rental market? Or perhaps your plans for living on sunny Spanish shores have now changed and you need to find a suitable tenant to ensure your Spanish mortgage is paid. Whether by intention or by circumstance, becoming a landlord can be quite a daunting prospect if you haven’t been involved in long-term property rentals before.

Long-term property rental is a smart way to consolidate investments in the residential real estate or to ensure that your house, villa or apartment earns you money whilst you can’t live in it. The rental market for property located in many areas of southern Spain has been buoyant in early 2018 and a good tenant should be a reliable source of finance if the rental is arranged properly. So to get you started on the road to becoming a successful landlord we have collated some helpful pointers below that we hope will help.

Do the maths!

Before you do anything check the current rates for the long-term rental of similar properties to yours in the area that your property resides. Clearly, if the possible monthly income won’t cover the essential monthly outgoings on your property then you may have to consider a different route to secure or maximise your investment in Spanish property. Local agents are an asset if you are able to set up and conduct a private rental agreement with your tenant then obviously you will avoid additional expenditure contracting a third party agent. However, in many circumstances, it will be beneficial to sign your property up with a local real estate agent who will advertise the availability of the rental, conduct tenant interviews and process the legal paperwork for the tenancy. For the fee that they charge you will receive a worthwhile service and agents can help take on the legal issues and give you great advice in a market that they will be very familiar with.

Local agents are your best asset

Find a local estate agent that specialises in long-term rentals, they will more than likely have a waiting list of prospective tenants. In addition, they will have the expertise to: advertise for and interview prospective tenants for suitability, check they have the economic means to pay the rent, and most importantly, process a legally binding tenancy agreement. For the fee that they charge you will receive a worthwhile service and if required, agents can help take on the legal issues and give you great advice in a market that they will be very familiar with.

Get good legal advice whether you contract a rental agency or organise the lease of your property yourself it is important that you gain good legal advice for this business venture. A good lawyer or industry legal expert will be able to ensure that you address every important issue related to long-term property rental including:

Ensuring the correct paperwork and legal documents are drawn up

That you are paying correct taxes on rental income

To act as a third party to hold a deposit if required

That you contact your mortgage adviser/lender to inform them of arrangements

That you speak to an insurance company about having the correct insurance policy in place

Even if the tenant is a friend … do it all by the book …..You may have known your prospective tenant for years but even if they are a good friend of yours it is essential that you set up a long-term rental agreement in a clear and business-like manner. Ensure that you have the correct legal paperwork in place and that every party signs up correctly. Friendships can be tested when business and finances are involved and it’s important that both parties enter into the agreement with a full understanding of the terms relating to the rental of the property.