REDGUIDE Real Estate Directory & Property Services Guide - October 2019

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ISSUE #3

Torremolinos - Benalmadena - Arroyo - Fuengirola - Mijas - Mijas Costa LOCAL PROPERTY LISTINGS, SERVICES & HOME IMPROVEMENTS DIRECTORY

BREXIT HITS PROPERTY SALES Whether you are in favour of Britain leaving the EU or prefer leaving things just the way they are between Europe and the UK, everyone must agree that the lack of honesty, integrity and professionalism shown by those who are charged with arranging the transition from both the EU and UK Governments has caused years of stress and uncertainty for those who these officials are mandated to protect.

EU citizens living and working in the UK, including hundreds of thousands Spanish nationals, are in similar positions to Brits living, working or retiring within Europe, uncertain of rights, systems, futures and as the farce continues to roll on millions are now worried about property prices. causing stagnation in the market and fears of another collapse.

Politicians have never been the most honest people in any community, second only to Lawyers in the tables for ”Least Honourable Career Choice” and probably Top of the charts for people you would not want to leave responsible for your elderly parents, sick relative or young children for any extended period. However, we keep electing these people to control our money, laws, communities and relationships with other nations when so few of them have shown any ability to think beyond their next fraudulent expenses claim.

Regardless of the benefits or problems caused by the UK referendum, to still be arguing about its validity without having a well thought out plan for the implementation of an exit that all concerned could Benalmadena 3 Bedrooms 2 Bathroom 124m Built Lift Swimming Pool Torrequebrada 2 Bedrooms 1 Bathroom 70m Built Furnished Swimming Pool

4 Bed Luxury New Villa Urbanization Big Blue Exclusive Villas is a space where nature is present in every detail with the aim of improving to the maximum your lifestyle

€715,000

Long Term Rental 2 Bed Apartment Exceptional 5 bed villa located in one of the best areas of Benalmádena, with large spaces and a fantastic garden.

understand after 3 years is both irresponsible and displays the lack of concern for the 500 million people who pay the salaries and huge financial packages of the European political “elite” including those in the United Kingdom.

BRITISH VENDORS WORRIED British vendors in Spain are worried that the Pound will fall drastically so reducing the money they can take back to Britain when they sell, buyers are worried that investing in Spain will see low returns if tourism is reduced in favour of cheaper resorts in countries outside of Europe once the free flow is gone for British citizens, and UK buyers are concerned that the pound will go the either direction and see their investment rise or fall by a third or half overnight as currency rates change. When buying a home is as sure a bet as going to the Casino, most people act like a deer dazed by the headlights of oncoming traffic just waiting for the Big Bang.

None of this is good for the property industry, buyers, vendors or investors, however, for the 95% of property transactions in Spain which are non speculative, there is in fact very little to be concerned about.

NOTHING TO WORRY ABOUT In the long term, and most property is purchased as a long term consideration, the signs for Spain are good, with more taxes being collected, less corruption, greater investment in industries outside of tourism and agriculture, together with some of the worlds largest players investing Billions into the country, only those who panic buy or panic sell will be affected by the BREXIT farce.

Spain has some really large and unique factors in its 3 Bed Luxury Apartment

Benalmadena 3 Bedrooms 2 Bathroom 124m Built Lift Pool Arroyo 1 Bedrooms 1 Bathroom 55m Built Gardens Swimming Pool

A stylish blend of contemporary chic and Mediterranean living. Spacious and bright living spaces lead to the outdoor areas creating a perfect indoor-outdoor

Benalmadena Double Bed 1 Bathroom Lift Swimming Pool Water Park

Benal Beach 1 Bed Studio The apartment has a double bed and a sofa bed for two, kitchen, bathroom with bathtub and large terrace open on

favour that will secure future property values and returns on investment long after the UK leaves the EU or decides to remain or becomes a dependancy of the United States or Saudi Arabia - none of which should concern owners of property in Spain.

BRITISH TOURISM Hundreds of thousands of properties are owned by British residents and non residents - many of which are rented to British tourists through private advertising, word of mouth and even AirBnB style websites, creating an independent marketing force actively targeting UK visitors to spend their money here. No other country has so many individual property owners from the UK promoting tourism at no cost to the local government. British will want to come vacation in Spain and spend their hard earned Pounds for decades to come regardless of Brexit.

BRITISH PROPERTY INVESTMENT British people love the Spanish people, they don’t like Germany, Italy is expensive, France is full of French people, and Greece is in a bit of a mess, leaving only Portugal and Spain with the sun, sand and relative stability to buy a vacation home, reside or retire.

Right now, there are profits to be made and bargains to be had taking advantage of the crazy way that Brexit has been mishandled and the fear it has caused, and that does not mean that property values are dropping or rising in any particular area.

The deals now are available, buying from owners without the confidence to wait for Brexit to be over.

ARROYO 3 Bedrooms 2 Bathroom 124m Built Lift Pool

€520,000

Jardines de Gamonal 1 Bed Large Apt Large bright living room with direct access to the glazed terrace, large bedroom with built-in wardrobe and marble

€800 /month

FREE LISTING OF YOUR PROPERTY

Benalmadena 4 Bedrooms 2 Bathroom 200m Built 600M Plot Swimming Pool

5 Bed Luxury Villa Close to the beach

€350 /week

Beautiful newly buit Vill only 5 minutes walk from Puerto Marina Fitted to the highest standard for a truly

Benalmadena 2 Bedrooms 2 Bathroom Inside Marina Max 4 Persons

€4800/week

www.clinicapalomacabello.com

Telf: +34 952 442 683 Mov: +34 625 441 308

C/ Alcalde Antonio Garcia Edf. 3C - Local 7 29631 Arroyo de la Miel, Benalmadena

€212,000

4 Bed Luxury Villa Furnished

Exceptional 5 bed villa located in one of the best areas of Benalmádena, with large spaces and a fantastic garden.

Puerto Marina 2 Bed Penthouse Holiday rental apartment in the heart of Puerto Marina. The apartment is located inside the marina, in

€810 /week

Y IT AL NG QU ETI GH VAL I H R CA

ODONTOLOGIA GENERAL GENERAL ODONTOLOGY IMPLANTOLOGIA IMPLANTOLOGY ENDODONCIAS ENDODONTIES PROTESIS DENTALES DENTURES ORTODONCIA ORTHODONTICS HIGIENE BUCODENTAL ORAL HYGIENE ESTETICA DENTAL DENTAL AESTHETICS CIRUGIA MAXILOFACIAL MAXILLOFACIAL SURGERY BLANQUEAMIENTO WHITENING

Beautiful flat l o c a t e d i n Bellavista, ready to move into.

3 bedrooms with fitted wardrobes and 2 bathrooms.

Wood floors, air conditioning

€1,500 /month

€650 /month Benalmadena 5 Bedrooms 5 Bathroom Gardens Swimming Pool Luxury Fittings

Beautiful Apartment

Have your vehicle cleaned ready for your return to Spain

Ctra. Guadalmar 53, Malaga 29004 - E: parking@europarking.es Tel: +34 629 379 818 - W: www.europarking.es

www.europarking.es

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SAVE €100.000 Villa for sale in Benalmadena, with 3 bedrooms, 1 bathroom, plus 4 separate apartments all with en suite bathrooms and kitchenettes, the property was built in 1985 and has a swimming pool (Private) and a garden (Private). Regarding property dimensions, it has 489 m² plot, 326 m² interior, 51 m² terrace. This property, with orientation S/W, has the following facilities: Fully fitted kitchen, Close to shops, Close to town, Close to port, Close to schools, Guest apartment, Utility room, Fireplace, Basement, Guest room, Storage room, Mountainside, Private terrace, Amenities near, Separate apartment, Sea view, Country view, Transport near, Laundry room, Internet - Wifi, Covered terrace, Air conditioning, Garden view, Close to children playground, Close to sea / beach, Close to golf, Uncovered terrace, Fully furnished, Excellent condition and Urban view.

489m Plot 386m Built Monte Alto, Benalmadena

3 Bed Luxury Villa Plus 4 x Fully Fitted 1 Bed Apartments Amazing Income Opportunity

Covered Terrace Double Glazing Ensuite Bathroom Private Garden Private Pool Outside Dining Area Great Views Near Transport Private Terrace Storage Room Utility Room AMAZING HOME WITH INCOME FROM €6000 - €18,000 MONTHLY RENTING PART OR WHOLE AS VACATION RENTAL

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POST BREXIT LIVING IN SPAIN FOR BRITISH EX PATS - EASY ??

it may well be that there are few implications and the British continue to live, work, run businesses or retire in Spain, just as they have done for decades – long before the European Union was even thought of. There are, after all, hundreds of thousands of British people already living in Spain, and thousands of Spanish people living in the UK and very few governments want to make life harder for their own citizens.

There is, however, uncertainty about the future for anyone considering such a life-changing project as moving to Spain or buying a home here, regardless of the reality that the very worst scenario is that British Ex Pats will be treated in the same way Americans or Australians are treated by the Spanish system. Most of the fear has been caused by the level of political dishonesty and irresponsible media coverage over 3 years since the UK referendum.

Whilst Britain want to remain the best of friends, with Spain, as they have been for so long, the EU do not want the UK to leave for fear of an exodus by at least 4 other European countries and the collapse of the Euro currency, so there is still uncertainty about how this farce will turn out.

We hope to help you plot your way through a possible post-Brexit scenario, to ensure you are confident in fulfilling that dream of creating the wonderful lifestyle so many Brits have enjoyed before you.

For anyone spending less than about half the year in Spain, Brexit should make little or no difference. No visa will be required and your normal travel insurance will cover healthcare.

For those planning to spend longer, while Brexit will undoubtedly add to the paperwork, there are many ways for the non-EU citizens to enjoy living permanently in Spain. Many Americans, Australians, New Zealanders and Africans live here today. Some are not working but live on investment or retirement income from abroad others are working for local companies or run their own companies, working freelance, or running tourist businesses.

Will the British have a special status, or will we have the same rules as the other non-EU nations? We don’t know, so in a most extreme scenario, the British will have no more & NO LESS right to live and work in Spain than the citizens of any other non-EU country, such as the USA or Australia. We don’t believe Brexit will be as “hard” as this, but if you can work within these rules to live in Spain, when negotiations are complete and we know the reality it will probably be even easier to live there.

These then, are the rules for non-EU nationals such as Australians and Americans when it comes to the key matters of visas, property ownership and healthcare.

VISAS & PROPERTY How long can I stay without getting a visa?

Spain is within the “Schengen Area”, a group of the 26 European countries that allows free movement between each other. Non-EU passport holders from a list of around 60 countries can stay in the Schengen area, including Spain, for up to 90 days within a 180 day period without getting a visa. The countries on include countries like the USA, Australia,

Japan, Monaco and Hong Kong, and it is likely that British people would have these rights too, as an absolute minimum. The 90 days in each 180 can be spread over as many visits as you like, allowing you to spend nearly half the year in Spain if divided up throughout the year. Each country within the Schengen area imposes the broad set of rules but with important technical differences, for example how the 90 days per 180 may be divided throughout the year & where you can spend the rest of your time.

Can I live in Spain without a visa if I don’t work or buy a property?

If you are staying for more than 90 days in any 180 days you will need to obtain a visa. The most common type is a long stay visa (visado nacional).

There are three types of visa for staying in Spain: • Residence: This visa allows the holder to live in Spain without working or performing any professional activities.

• Work and residence: This visa allows the holder to work while living in Spain.

• Student: This visa allows the holder to live in Spain while studying, researching or participating in an internship New fast-track visa (Golden Visa) This is for non-EU investors, entrepreneurs, highly qualified professionals and researchers who Spain wishes to tempt to the country by offering them preferential treatment, such as automatic residence for the whole family with no minimum stay, and free travel throughout the Schengen visa region. There are conditions to fulfil for each category of the visado nacional, for example, investors could spend at least €500,000 on a Spanish property (the so-called “golden visa”). You will need to present to the immigration authorities paperwork such as: • Proof that your main place of residence remains outside Spain (for example, a bank statement) • Certificate showing you have no criminal record • Medical certificate showing you don’t have a communicable disease • Medical insurance with a minimum coverage of US$50,000 for emergencies and repatriation • Marriage certificate & birth certificates for children.

• Enrolment in a school for the children.

• Proof of accommodation in Spain • Processing fee of around €100.

Restriction on foreigners buying a residential property in Spain?

There is no restriction on you buying a home in Spain and there are no limits on where. You are still perfectly entitled to use your home for up to 90 days in any 180 and are free to rent it out, subject to local Spanish rental laws which vary from region to region.

What sort of employment visas does Spain offer and how do I get one?

The employer draws up a work contract, which goes to the Spanish Ministry of Labour and if approved by them, goes to the Immigration department which instructs the consulate to issue the visa. If the applicant wishes to bring a family to Spain he or she must follow the procedure for an “accompanying family member” at the same time European Blue Card: Intended to be the European equivalent of the USA’s Green Card, the Blue Card is an EU-wide work permit that allows highly-skilled people to work in the EU. Germany has issued 35,000 Blue Cards so far, while Spain lags behind.

Could I take Spanish citizenship?

There are two routes to Spanish citizenship: Naturalisation – you need to have lived in Spain for ten years continuously to be eligible, have integrated into Spanish life, including speaking Spanish. If you can prove you have been an asset to Spain it should help your application. A one-year residence period is sufficient for someone born in Spain or born outside Spain with a Spanish mother or father, or anyone married to a Spanish citizen (even if the marriage has been dissolved). In all cases, the period of residence in Spain must have been immediately before the application. Marriage to a Spanish citizen doesn’t entitle you to a work permit, although an application for one is usually granted and expedited.

To apply for Spanish nationality you require your birth certificate, marriage certificate (if applicable), and your parents’ birth and marriage certificates, all of which must be officially translated into Spanish.

You also require a certificate of good conduct from the police, a statement from two Spanish citizens supporting your application, and you must show that you’re a good citizen and integrated into Spanish society. Most people find it necessary to employ a lawyer to handle the paperwork involved.

Marriage: You need to have been married to a Spanish person for one year and have been living in Spain for one year. You also need to have a good knowledge of Spanish.

Could I stay in Spain as a student?

With students in the UK graduating with debts of up to £50,000, studying at a European university has been increasingly popular, since the fees are generally much cheaper. Spanish universities are widely recognised not to be the best part of the education system, with Barcelona Universitat, the highest ranking at 141 on the world scale On the other hand, tuition fees for overseas students are only around €1,000. They have around 3% foreign students, many of them already from outside the EU, and they will accept British A levels in place of the bachillerato which is normally required to gain entry.

That offers the tantalising prospect of being able to study in Spain for two years as a mature student, relatively cheaply, and then gain citizenship relatively easily. You might even get cheaper health coverage via a student mutua.

Can I live in Spain without working (e.g. retirement)?

Generally, yes, on a long-stay visa. You will need to prove you can live there without working, by showing your income from abroad is sufficient and after five years of uninterrupted residing in Spain, you can apply for permanent residency.

Do I have to declare an income in Spain if I’m not paid there?

When you have stayed in Spain for six months and one day, you are eligible to pay tax in Spain. If not, you don’t. Double tax arrangements are not a European Union rule but a reciprocal arrangement between Spain and the UK so should not be affected by Brexit.

Can I live in Spain but commute to Britain to work during the week?

You can spend up to 90 days in Spain per six months without many questions being asked and without a visa. That gives you every weekend and some good long holidays too! You could also stay in Spain on a long stay visa, which would give you more time there, but you would have to show that you have sufficient income to live in Spain without earning an income. That will be difficult if you are in fact nipping back and forth to work.

Can I live in Spain and “work from home” for a UK employer?

Staying in Spain for more than 90 days requires you to prove that you do not need to work, and you may have to have that notarised. One possibility might be to structure your employment in the UK so that you are paid via a company or other financial entity.

Can I be a freelancer/self-employed in Spain?

One of the reasons so many ambitious Spanish people moved to London in recent years was because it is easier to start a business in the UK than in Spain, where the bureaucratic process is long with few “breaks” for new businesses. Recently though, the Spanish government has attempted to make it easier to start a business.

There is also a newly launched “Entrepreneur visa” that is designed to encourage start ups (and tempt them away from the United States and other countries). There are several visa options for entrepreneurs and investors, including golden visas for people simply “investing” in their own house.

Investor Residency Visas One may obtain a residency visa on investing in any of the following asset classes: 1 – Investing at least €2million in Spanish Treasury bonds 2 – Investing at least €1million in shares of publicly trading Spanish companies or non-traded ones 3 – Depositing at least €1m In a Spanish bank 4 – Buying Spanish real estate of at least €500,000

5 – A ‘major’ business investment which fulfils at least one of the following three conditions: • Meaningful job creation • Significant socioeconomic impact in the region • Technological or scientific impact Can I start a business there employing myself and other people?

Yes, you could start a new company or be selfemployed, buy a company, create a joint venture, open a Spanish branch of your existing company, or a representative office.

Is there a language requirement for visas/ sponsorship?

Yes, for many visas there is a requirement to speak Spanish. So how easy is it? The languages that are the most similar to English are Western European languages and include Spanish, French, Portuguese, Italian. Spanish is the fourth most spoken language in the world (behind Chinese, Hindi, and English) Spanish only differs from English in word formation and pronunciation. English speakers learning Spanish will be using the same alphabet (apart from a few letters) and the straightforward Spanish pronunciation system: words are pronounced exactly as they are written.

Grammatically speaking, Spanish actually has fewer irregularities than other languages.

Will there be British estate agents in Spain?

We are assuming that existing businesses will be allowed to continue, and may be able to employ British staff, so it is most likely that many will stay.

Can I take my dog to Spain?

As a rabies-free country, the UK is likely to be regarded as a “third country” that is given the same access to the EU pet passport scheme as EU nations.This applies to dogs, cats and ferrets.

HEALTH How good is Spanish state healthcare?

According to the OECD Better Life Index, of the 34 OECD countries Spain comes above midtable for health outcomes, two places above the UK. Life expectancy is higher than the majority of OECD countries, at 85.5 for women and 80 for men (compared to 83 and 79 respectively in the UK). Two out of three Spanish people said they were in good health, compared to three out of four in the UK. What do I need to do, as a non-EU person, to access state healthcare in Spain?

If staying in Spain for less than 90 days, standard tourist health insurance should suffice. On most of the visas that allow you to work in Spain it is compulsory to take out comprehensive health insurance. For Americans, for example, this includes minimum coverage of US$50,000 for emergencies and repatriation, and it may well do for the British as well. Of course, the UK being within easy reach from Spain, for anything but the worst intensive care cases it would be relatively easy to return to the UK, even if it requires an ambulance. In Spain doctors’ visits, hospital stays and tests are free for EU citizens, but there are charges for prescriptions (depending on your income), dental and eye care. Many Spaniards also have a mutua, a private health insurance allowing them to use both the private and public health services. Non EU citizens are required to have private healthcare cover but it is also possible to “pay into” the state health system for medical cover under the national health service.

What happens if I have anemergency and am not insured?

You will be treated by the Spanish health service just as well as any Spanish person and then billed afterwards.

What will I pay for private health insurance?

For trips of under 90 days that do not require a visa standard travel insurance will suffice. This will come with the usual excesses and exemptions as per your shorter holiday, generally at around £20-50 per year, excluding adventure sports. If you need to visit the GP, for example, you will normally be better paying the €25-50 charge out of your own pocket, and will face an excess of at least £100 for more serious issues. Generally in Europe an insurance company will charge €200-300 for an individual in his 50s, €500 per month for a family of four or €800 per month for a retired couple. As the market for healthcare provision for Brits left out of free healthcare grows that is likely to come down, and new products are likely to come onto the market. If you have a chronic condition, however, such as diabetes or high blood pressure, you can expect to pay considerably more. In Barcelona the average cost of a short doctor’s visit is €52 but this varies around the country.

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Apartments on the 1st and 2nd line beach are very quickly sold when they become available as they give high returns and mostly rented to tourists.

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Facilities

A TU R E

This much loved and established resort town has experienced almost a century of visitors from all over the world, each travelling to enjoy the combination of sandy beaches, amazing history and exciting nightlife.

One of the very first tourist resorts in Spain and certainly one of the most famous, Torremolinos has undergone a rapid modernisation and improvement program in recent years to help secure its future rather than rely on past success.

Availability

€325.000

This location has absolutely everything you could ever want, great bars & restaurants, sports, beach, shops, parking, kid zones & so much more.

FE

TORREMOLINOS

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Transport Buses to everywhere you want to travel stop on the N30 coast road, taxis wait in the at key points 24HRS to take you anywhere & of course boats

Torremolinos - El Pinar 635m Built 6 Bed 3 Bath

2 dwellings large exotic Health Pharmacy, medical centre and even massage therapy are garden on the high street and medical centres, hospitals, dentists & many health specialists are close by.

6 bedroom house in El Pinar neighborhood, This attitude gives great confidence in the long term security of property values and business investments.

Schools State schools are great for ex-pats here as so many people speak English but we are very close to the British College in Torrenueva for private tuition.

Torremolinos. This Chalet is distributed on two floors. The first of 163 m2, has a spacious living room with fireplace, closets and library. A fully equipped kitchen and a dining room with custom

Employment Torremolinos is a major tourist resort with many opportunities within the leisure trade, and Malaga City only minutes away on bus, train or car.

Featured Properties

designed cabinets. On this floor we find 2

Beaches, bars, restaurants, shops, great events and nightlife in & around Torremolinos for 100 years The centre of Torremolinos is alive 365 days of the year.

Its streets, full of stores and restaurants, are perfect for discovering the way in which tradition and modernity combine in this town perched on the western shore of Malaga Bay. The cuisine is a strong point, offering variety that ranges from tapas, fried fish and shellfish to the finest haute cuisine, with restaurants to suit all tastes. The centre also has a wide assortment of open-air cultural events and an exciting nightlife for visitors wishing to prolong the fun.

The centre of Torremolinos has many noteworthy parts, but one stands out above all: calle San Miguel. It is the town’s commercial hub and one of its most visited and bustling arteries. You can find almost anything: bars,

restaurants, shops, tourist services, etc. Leisure, culture, fashion, sport, accessories, jewellery and gifts make up a selection for all tastes and ages.

It is the town’s true heart, which also beats in streets such as calle Cauce, calle Casablanca and avenida Palma de Mallorca, not forgetting the plazas Andalucía and La Nogalera. Special mention should be made of the redevelopment which plaza Costa del Sol, currently trafficfree, is now undergoing, along with plaza de la Independencia, accessed from calle María Barrabino.

In more recent years becoming as famous for its GLBT community as it once was for being visited by Stars of Screen and Stage, continuing to bring colour and excitement to this once small fishing village.

Towards the Malaga end of the resort there are many lovely houses and apartment being built close to the beach that provide great opportunities to enjoy the lively resort from a perfect distance to retain peace and quiet at home.

For those wanting to live and work in the resort itself, there are myriad apartments for sale and rent from a few hundred Euros a month rent to many €millions to buy.

bathrooms and 4 bedrooms The ground floor ?

73 m2 has entrance, 2 bedrooms, a bathroom, a cellar with bar and lounge is added. The house has the possibility of being divided into two parts.

Currently, the plot has a large exotic garden,

Beautiful bright and spacious house for sale in Benalmadena.

Costa LA LOMAS DE BENALMAR

1 beds 2 Bathroom Large Terrace Swimming Pool 3 Garages €172.000 Air Con/Heating 40m2 Internal Great Location 2 car parking

BBQ and a large urban garden on the terrace.

SCAN THIS CODE TO VIEW THIS OPPORTUNITY Well built villa built on three levels with a Spanish International touch, located in a sought after area of

4 beds 3 Bathroom Large Terrace Swimming Pool Garage €1.195.000 Air Con/Heating 400m Build 1200m Plot Great Location

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

Featured Areas of Torremolinos LA CARIHUELA

FISH & CHIPS PUKKA PIES KEBABS WRAPS BURGERS

The liveliest neighbourhood in town If you want to know the true idiosyncrasy of Torremolinos, La Carihuela is the ideal place – an old seafaring neighbourhood to the west, specifically in the south-west of the town.

A pleasant and relaxing experience next to the sea.

The inhabitants of La Carihuela originally lived off the fruits of the sea: the tasty fish and shellfish offered by the Mediterranean at this extreme of Malaga Bay. However, the growth in tourism from the 1950s onwards opened new possibilities, chiefly with restaurants and chiringuitos (beach restaurants) where locals and tourists enjoy the fishing catch.

Today the area has been modernised but it retains a large part of its original essence, with traditional shops and narrow lanes evocative of the traditional street layout so typical of Andalusia.

PLAYAMAR

MONTEMAR

MEAL DEALS OPEN DAILY FROM 6PM next to the FAT FAJITA

The beach of Playamar In the urban municipality of Torremolinos, is 18 km from the city center, and is located between Los Alamos beach and Bajondillo beach. The also called Retiro beach, is dark sand and moderate waves, and has an area of ?

1,000 meters in length and 50 meters in average width.

This beach is ideal for water sports such as windsurfing, sailing or scuba diving. We can also play volleyball in the nets that are installed in the arena. In summer season we can find kiosks, hammock rental services and nautical equipment such as pedal boats. In addition, in the hot months we can enjoy the shows that are organized there.

The beaches of Torremolinos stand out for their animation during the day and night, this is what happens thanks to its beach clubs.

FINCA’S FISH & CHIPS

Equipped kitchen, living room, fitted wardrobes, terrace with magnificent sea views, south facing, very bright. It is fully furnished &

One of the most popular areas and a delightful residential area Montemar stands in the upper part of the town, just above La Carihuela. It is a residential area with its own local train station, Montemar Alto. Parque de La Batería (Battery Park) is great for the family. Also, El Calvario is one of Torremolinos’ most popular neighbourhoods and is in the upper part of the town, to the west of the centre. There are several bus stops serving the large part of the resident population concentrated here. On Thursdays there is a very popular street market, and it is an area with typical shops and long-established bars. There is a fountain bringing water from the springs and which people use for their water supplies. In short, a neighbourhood which preserves the essence of the village that was Torremolinos.

Thinking of moving to Benalmadena Pueblo?

Act fast!

Prices have been rising here for over 2 years

Large Newly built Luxury apartment close to both park & beach with large swimming pool, marble floors, large

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

1 beds 1 Bathroom Large Terrace Swimming Pool Large Garage €196.000 Air Con/Heating 50m Internal Gardens Great Location Close to Park 3 beds 2 Bathroom Large Terrace Swimming Pool Garage €420.000 Air Con/Heating 115m Build Great Location Beach & Park

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BENALMADENA COSTA

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7

Availability

€345.000

Apartments on the 1st and 2nd line beach are very quickly sold when they become available as they give high returns and mostly rented to

Facilities This location has absolutely everything you could ever want, great bars & restaurants, sports, beach, shops, parking, kid zones & so much more.

Transport Buses to everywhere you want to travel stop on the N30 coast road, taxis wait in the at key points 24HRS to take you anywhere & of course boats

Benalmadena-Torrenueva Schools 200m Built 4 Bed 3 Bath

nd

State schools are great for ex-pats here as so many people speak English but we are very close to the British College in Torrenueva for private

2 line beach large garden Health

Beautiful semi-detached villa with spectacular views of the sea and the mountains in a private urbanization located in Torremuelle, Benalmádena, just 500 m from the beach. It is distributed in 3 levels. On the lower level it has a

Pharmacy, medical centre and even massage therapy are on the street and hospitals, dentists & many specialists are close by.

Employment Benalmadena is a major tourist resort with many opportunities within the leisure trade, and Malaga City only minutes away on bus, train or car.

Featured Properties

large living room with fireplace, large kitchen with

Avenida Antonio Machado (N340) is part of our longest coast road, leading from Cadiz to Barcelona and passing parallel to the sea front behind the promenade. Running past dozens of our best bars, clubs and restaurants, from 24HR Square to Castilo Bil Bil, Sunset Beach Resort, to Hotels, Casino and Golf Club at Torrequebrada, Between the Marina and Sunset Beach you encounter some fantastic experiences with great Cocktail bars like Angels, near McDonalds, and Caesars Cocktails just behind the famous burger franchise, the Rodeo Steak House, IndiMex and Pasta Pizza restaurants opposite the windmill roundabout, the highly rated MILAN Indian/Italian restaurant, Naranja restaurant on the short walk up Hill to Paloma Park, and the many great bars near to our newest 5 Star hotel the Alaysa Playa such as

Dirty Harry’s (Harry del Soucio), Mullarkeys (with music every night) and the Famous Lilley Langtrees next to the Noor Mahal and Najar Mahal Indian restaurants.

Beyond 24HR square towards Los Porches you also encounter the long established Irish Times, newly opened Area 51, famous for its Pool teams and relaxed atmosphere, the White Swan with its afternoon Pub Quiz’s and fantastic home made chips, the newly opened Darcies already becoming famous for Motown music and Cocktails, right opposite the best Gourmet Burger & Grill Bar, “All Grill”. before reaching Los Porches area This area of the town is mainly dedicated to tourism and leisure, so if you are thinking of buying one of the available apartments or homes on this coastal area, itr is worth taking into consideration the lack of parking, the entertainment bars and late night noise that may not be so much fun in 20 years time. Just a thought.

laundry, toilet, front patio with beautiful views and storage patio with barbecue area and jacuzzi.

First floor with 3 bedrooms with two bathrooms, one of them en-suite and with its own southfacing terrace, and 1 extra room for office or

Beautiful bright and spacious house for sale in Benalmadena.

Costa LA LOMAS DE BENALMAR

1 beds 2 Bathroom Large Terrace Swimming Pool 3 Garages €172.000 Air Con/Heating 40m2 Internal Great Location 2 car parking

bedroom. It also has communal garden and pool areas SCAN THIS CODE TO VIEW THIS OPPORTUNITY

Well built villa built on three levels with a Spanish International touch, located in a sought after area of

4 beds 3 Bathroom Large Terrace Swimming Pool Garage €1.195.000 Air Con/Heating 400m Build 1200m Plot Great Location

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

Featured Areas of Benalmadena PALOMA PARK

THE WHITE SWAN

Paloma Park is not only central to the resort of Benalmadena Costa but a key attraction to both residing within and visiting the area. It is beautiful, with live chickens walking around, dolphins, birds of prey, penguins and so much more to enjoy for the whole family.

Great Food & Drinks All year round

The Auditorium bar is a fantastic to rest and while with friends and family, and the Europe Bar is now open at the entrance opposite Pueblo Qunita Selwo marina is in the heart of the park with many shows each day during the season and plenty to enjoy in the winter. The park is also home to our weekly Wednesday markets and many of the festivals and fiestas are in here, from the annual Big Trucks Show to the regular Spanish Fiestas which are a sight for sore eyes and so much fun to both watch and participate.

PUERTO MARINA

WEDNESDAY & SATURDAY

5.30 BINGO GREAT PRIZES GREAT FUN

Benalmadena Puerto Marina rates amongst the best in the world, proof of which is the fact that it is several times winner of the ‘Best Marina in the World’ award. With 1,100 moorings for boats of all nationalities and up to 16 meters

Benalmadena Pueblo was founded during the Muslim invasion of the Iberian Peninsula in the eighth century.

It was originally named Ben-Al-Madina by the Arabs, which when translated means "children of the mines". This was because ochre and iron ore were once mined locally.

Today, the Pueblo has become a beautiful village of whitewashed houses, adorned by brightly coloured flowers.

The municipality of Benalmadena, which includes Arroyo de la Miel, Benalmadena Costa and Torremuelle, is governed by the town hall in the Pueblo.

There are many places of interest in and around the Pueblo.

Plaza Espana in the centre of the village, is a typical Andalucian square. This is where you will find a fountain with a statue of La Nina, who has become the symbol of Benalmadena. Around the perimeter of the square there are some lovely restaurants surrounded by orange trees.

Near Irish Times & 24HR Square

GREAT PEOPLE

‘Puerto Marina’ is one of the Costa del Sol’s busiest centres by day and night. For the energetic, the nightlife carries on in sophisticated bars and clubs to suit most all tastes. You can visit Benalmadena every year for decades and never tire of this beautiful combination of luxury living with affordable bars , nightlife, Kids Play areas and dining experiences.

The Ferry to Fuengirola is also a great experience as you get to see the private beaches only reachable by boat or through someones garden by invitation, Also see the whole coast from a totally unique view not seen by those who remain on land.

BENALMADENA PUEBLO

Behind McDonalds & up the steps for Real Fun

Featured Properties

Equipped kitchen, living room, fitted wardrobes, terrace with magnificent sea views, south facing, very bright. It is fully furnished &

Thinking of moving to Benalmadena Pueblo?

Act fast!

Prices have been rising here for over 2 years

Large Newly built Luxury apartment close to both park & beach with large swimming pool, marble floors, large

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

1 beds 1 Bathroom Large Terrace Swimming Pool Large Garage €196.000 Air Con/Heating 50m Internal Gardens Great Location Close to Park 3 beds 2 Bathroom Large Terrace Swimming Pool Garage €420.000 Air Con/Heating 115m Build Great Location Beach & Park

8 www.redguidebenalmadena.com

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Fuengirola

Recently some amazing new developments have been built to compliment the huge range of property available in and around Fuengirola, from studios to mansions

This much loved and established resort town has experienced almost a century of visitors from all over the world, each travelling to enjoy the combination of sandy beaches, amazing history and exciting nightlife.The town is the final stop on the coastal train line and a hub for transportation throughout the Costa del Sol with buses leaving the station for Gibraltar, Marbella, Malaga and Nerja regularly.

The long sandy beach is lined with great bars and restaurants for miles from Benalmadena though to El Faro & Castillo with lots of entertainment and fun to be had.

Town Centre Los Boliches Los Pacos Castillo

Facilities This location has absolutely everything you could ever want, great bars & restaurants, sports, beach, shops, parking, kid zones & so much more.

Transport Buses to everywhere you want to travel stop on the N30 coast road, taxis wait in the at key points 24HRS to take you anywhere & of course boats

Schools State schools are great for ex-pats here as so many people speak English but we are very close to the British College in Mijas for private tuition.

Health Pharmacy, medical centre and even massage therapy are on the high street and medical centres, hospitals, dentists & many health specialists are close by.

Employment Fuengirola is a major tourist resort with many opportunities within and outside of the leisure trade.

Also Malaga City & Marbella are only minutes away.

Featured Properties 2000 years of history intertwined with over 70 years of modern growth Previously, a tiny fishing village, Fuengirola has become a vibrant metropolis with character. The advent of many up-market tapa bars, good cafes and restaurants, interspersed with chic boutiques and other shops of interest, as well as fabulous beaches makes it the perfect holiday destination. The main square, Plaza de la Constitución, has been re-designed but still retains its unique enchantment. It looks pretty especially at Christmas, when it is decorated with very attractive lights and ornaments. It is also attractive during the Fuengirola summer feria, when the whole town takes part in the annual street celebrations. A walk down the narrow, pedestrian streets leading off the main square is a voyage of discovery for the many visitors, who come across some of the hidden secrets and delightful corners of this friendly, Andalucian town.

Since the 1960’s, foreigners have been discovering the joys of living in Fuengirola. At the beginning of the

1960’s, there were around 8,500 people living in this small village. By 1980 there were some 30,000 and now there are over 63,000 official residents. In the summer season, this number swells enormously with tourists.

Only 25km from Malaga International Airport and one of the most popular destinations on the Costa del Sol. Easily accessible by road, rail or bus, it is not difficult to see why this buzzing cosmopolitan town on the Mediterranean is the number one choice for so many for so long.

The active fishing port and leisure Marina provide a home to an all too often overlooked selection of wonderful bars, restaurants, entertainment venues and adventures that used to surround the towns Sunday market until it moved near to Hotel Pyramides in the early 2000's leaving the location a little hidden in plain site right opposite the centre of nightlife Property here is at a premium as the investment returns are great during summer months and still remain good in winter due to the huge number of golfers that visit from Britain and Northern Europe when it is too cold and wet to play at home.

Beautiful bright and spacious house for sale in Benalmadena.

Costa LA LOMAS DE BENALMAR

Well built villa built on three levels with a Spanish International touch, located in a sought after area of

1 beds 2 Bathroom Large Terrace Swimming Pool 3 Garages €172.000 Air Con/Heating 40m2 Internal Great Location 2 car parking 4 beds 3 Bathroom Large Terrace Swimming Pool Garage €1.195.000 Air Con/Heating 400m Build 1200m Plot Great Location

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

Featured Areas of Fuengirola LOS BOLICHES

One of the most popular neighbourhoods in town The most lasting heritage in Los Boliches is the tradition of the fishing folk who have lived there through the generations. Still today, fishermen catch wonderful fresh fish which is served in the typical beach bars and restaurants. Between the main street and the sea there are lovely little narrow streets buzzing with the lively Andalucian atmosphere and with wonderful local seafood and fresh fish dishes to choose from.

Although very much a popular beach resort area, Los Boliches also has a reassuring sense of permanence. It is home to well integrated year round residents – Spanish and foreign alike – many of whom originally came at one time for a holiday and could find no reason to leave. As well as some of the best bars and restaurants to choose from, Los Boliches also boasts some of the finest beaches in Fuengirola.

CARVAJAL

PUERTO MARINA

The beach of Carvajal Carvajal is Fuengirola's most easterly district which overlaps into Benalmadena. It is mostly known for the Carvajal beach and public promenade which runs the entire length of the district. Carvajal is really a narrow strip of coastline strip of coastline where the steep hills come down to the coast. It is essentially on the sea side of the railway line and mostly on the sea side of the coast road. The road used to be the very busy main N-340 coast road before the motorway was completed in the early 1990's. Nowadays the traffic is local traffic and planter area and roundabouts have be added. Whereas Torreblanca next door has been developed on the hillside above the railway line, Carvajal has remained largely reminiscent of the Spanish fishing village it always has been with many lively bars, restaurants and hotels bringing the area into modern times.

Fuengirola Port & Sporting Marina Fuengirola port is a hive of activity all year round and it offers a full range of facilities to the public. It is also a very popular area for outdoor café culture and has excellent terrace restaurants incorporating bars offering an interesting night life. The port is located mid way along Fuengirola promenade just down from Fuengirola Bus and Train station. The other side of the port is a sports and leisure marina, with over 225 berths (lengths ranging from eight to 20 metres). The facilities are all you would expect from a 21st century marina, with all modern conveniences at each berth. On dry dock there is a crane facility on hand for boats up to 6 tonnes and a lift service for those up to 35 tonnes.From the busy, modern marina area there are many companies offering pleasure trips, boat charters, fishing trips (including excellent tuna fishing), speed boat hire and Dolphin watching trips.

Equipped kitchen, living room, fitted wardrobes, terrace with magnificent sea views, south facing, very bright. It is fully furnished &

Thinking of moving to Fuengirola?

Act fast!

Prices have been rising here for over 3 years

Large Newly built Luxury apartment close to both park & beach with large swimming pool, marble floors, large

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

1 beds 1 Bathroom Large Terrace Swimming Pool Large Garage €196.000 Air Con/Heating 50m Internal Gardens Great Location Close to Park 3 beds 2 Bathroom Large Terrace Swimming Pool Garage €420.000 Air Con/Heating 115m Build Great Location Beach & Park

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Mijas Mijas & & Mijas Mijas Costa Costa Mijas Pueblo Campo de Mijas Las Lagunas La Cala de Mijas Torrenueva Riviera Calahonda Elveria

Mijas Pueblo Las Lagunas La Cala de Mijas Riviera Calahonda

A Huge area spanning miles of beaches, high mountain ranges and thousands of years of history Mijas is more than a place or a town, it is an ecosystem of villages, communities and resorts so diverse that many have spent a lifetime exploring the area without completely experiencing all it has to offer.

Mijas Pueblo is an ancient white village with Donkey Taxis, Paradors, beautiful gardens and even an active Bullring, surrounded by residential communities dotted around the mountains, overlooking Las Lagunas to La Cala beach resorts - each with their own story to tell.

Mijas Costa is the part of the municipality of Mijas which covers the 12 kilometre stretch of coastline joining (from East to West) El Chaparral, La Cala de Mijas, El Combo and Calahonda and takes in the two major urbanizations, Riviera del Sol and Sitio de Calahonda.

Although just a twenty minute drive from little village of Mijas which is still steeped in the old Andalucian

List your property FREE at: www.REDguide.NET Availability Recently some amazing new developments have been built to compliment the huge range of property available in and around Fuengirola, from studios to mansions

Over 1000 years of History & Donkeys make this town so interesting that many thousands of visitors from China, America and the Arab world come to visit the area.

Millions have enjoyed the huge variety of things to see and to do throughout this huge area that incorporated ancient white villages, long sandy beaches, exclusive resorts and mountain hideaways.

Residents of Mijas are fortunate to live in one of the most interesting and attractive areas of Spain yet property prices remain very affordable for the many people in search of idylic lifestyles without the cost, although we do have many multi millionaires here in Mijas

Facilities This location has absolutely everything you could ever want, great bars & restaurants, sports, beach, shops, parking, kid zones & so much more.

Transport Buses to everywhere you want to travel stop on the N30 coast road, taxis wait in the at key points 24HRS to take you anywhere & of course boats

Schools State schools are great for ex-pats here as so many people speak English but we are very close to the British College in Mijas for private tuition.

Health Pharmacy, medical centre and even massage therapy are on the high street and medical centres, hospitals, dentists & many health specialists are close by.

Employment Fuengirola is a major tourist resort with many opportunities within and outside of the leisure trade.

Also Malaga City & Marbella are only minutes away.

Featured Properties

traditions and customs, the residential and beach life of Mijas Costa is very much 21st century. Holiday rentals available range from small studio apartments for holiday rentals to major villa developments with a sea and mountain view from the private pool. The beach life offers water sports ranging from jet skis, waterskiing, wakeboarding, windsurfing, parapenting and more The two large urbanizations, Sitio de Calahonda and Riviera del Sol are catchment areas forming large villages in their own right and have all the amenities such as commercial centres, supermarkets, golf course, sports centres, bars and restaurants for every day living. Many British and other foreign residents live here permanently and in summer, it is also very popular with holidaymakers in hotels and rented properties. Due to the great number of English speaking residents and visitors, it is easy to find English medical centres and most people there can speak the English language amongst other European tongues.

Property in and throughout Mijas is always popular and has been rising in value faster than most areas of Spain although a luxurious lifestyle here remains very affordable.

Beautiful bright and spacious house for sale in Benalmadena.

Costa LA LOMAS DE BENALMAR

Well built villa built on three levels with a Spanish International touch, located in a sought after area of

1 beds 2 Bathroom Large Terrace Swimming Pool 3 Garages €172.000 Air Con/Heating 40m2 Internal Great Location 2 car parking 4 beds 3 Bathroom Large Terrace Swimming Pool Garage €1.195.000 Air Con/Heating 400m Build 1200m Plot Great Location

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

Featured Areas of Mijas MIJAS PUEBLO

LAS LAGUNAS

MIJAS COSTA

Beautiful White Village with over 1000 years of history One of the jewels of the Costa del Sol is the beautiful little village of Mijas, which nestles comfortably in the mountainside at 400 meters above sea level about 10km from the coast. Of the ten thousand population, there are so many foreign and English speaking residents in and around the village that the Town Hall has a very helpful Foreigner's Department, which caters for the needs of those residents who do not speak Spanish.

When you wander through the narrow cobbled streets of this Andalucian village, you can understand what has attracted foreigners over the years. Many artists and writers have made it their home, enjoying the benefits of an excellent all year round climate, without being part of the busier, more commercial coastal towns. Despite its huge popularity with tourists, Mijas Pueblo has somehow retained its traditional Andalucian way of life, the locals displaying their passion for all things festive

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Las Lagunas ( The Lagoons) There are some residents, mostly foreign, that after having lived in the area for decades still cannot tell you where Fuengirola starts and Las Lagunas ends, On the one hand, who really cares as both are amazing, and on the other the advantage is being so close to all the action and facilities but enjoying almost total peace and a more normal Spanish village life. It is a rare and wonderful combination.

House prices are cheap considering the distance to the beach and the balance between new developments and much more traditional property is almost unique and idyllic.

Returns for pure investment are less than the seafront of Fuengirola and other Mijas villages but as a place to live - it has everything you could want - in whatever situation you find yourself From Fuengirola to Marbella and so much more ...

Mijas Costa is a 12 kilometre coastal stretch of modern (post 1960) tourist orientated development including the popular La Cala de Mijas (Mijas cove) and Sitio de Calahonda (a large residential estate) within the municipal district of Mijas. Mijas Costa is located between Fuengirola and Marbella, being at least 10km away from the village of Mijas and having to pass through Fuengirola to get between one and another leads to some confusion. Tourists who are not intersted in municipal affairs see Mijas Pueblo and the districts of Mijas Costa as different places.

Mijas municipal district is comprised of three very different areas, Mijas Pueblo (the village), Mijas Costa (the coastal strip) and Las Lagunas (a modern residential and comercial area).

There are also three small rural out-lying districts called Entrérros, Osunillas and Valtocado.

ROY TREVOR REMOVALS

Equipped kitchen, living room, fitted wardrobes, terrace with magnificent sea views, south facing, very bright. It is fully furnished &

Thinking of moving to MIJAS COSTA? Act fast!

Prices have been Rising Fast here for 4 years

Large Newly built Luxury apartment close to both park & beach with large swimming pool, marble floors, large

enquire by phone - call 633 488 949 or scan the QR code and we will call you right back

1 beds 1 Bathroom Large Terrace Swimming Pool Large Garage €196.000 Air Con/Heating 50m Internal Gardens Great Location Close to Park 3 beds 2 Bathroom Large Terrace Swimming Pool Garage €420.000 Air Con/Heating 115m Build Great Location Beach & Park

List your property FREE at: www.REDguide.NET

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List your property FREE at: www.REDguide.NET

MOBILE HOMES & BOATS

Carretera Guadalmar s/n 29004 Málaga (frente al Leroy Merlin) Tel.:617 428 378 Correo: info@motorhomemalaga.com

Opel Bedford 1980 Bargain Camper 2 drive, 4 sleep, 6 Call Rodolfo eat, in this well (Owner) maintained 2.2l 684277032 petrol camper van

€6.850

NEW BUILD DEVELOPMENTS

1-3 Bed Apt €126.000 - 465.000 Modern & Andalucian Apartments in Benalmadena Pueblo

€1,350,000-1,550.000 Contemporary New Build Villas in Benalmadena Pueblo

2 - 3 Bed Apt

2 - 4 Bed Apt

€279.000 - 369.000

€299.000 - 749.000

Seaview Apartments in Benalmadena

Amazing new apartments in Benalmadena from 91m-190m

2 - 4 Bed Apt

2 - 4 Bed Apt

€369.000 - 1.199.000

€179.500 - 205.000

Private Boutique Development in Benalmadena Stunning luxury

Key ready Apartments in Benalmadena Pueblo

enquire by phone - call 633 488 949 or scan the QR code

Avenida del Higuerón 48, 29640 Fuengirola Tel: +34 951 83 37 77 www.higueronwest.com

List your property FREE at: www.REDguide.NET

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HOT PROPERTY GUIDE 5 Bed Luxury Villa Sol y Mar €1.200.000

5 Bed Luxury Villa Sol y Mar €1.200.000

4 Bed Luxury Villa Torrequebrada €1.200.000 to enquire by phone - call 633 488 949 or scan the QR code Arroyo 3 Bed Apartment

APARTMENTS

Beautiful home with pool and huge gardens, close to the town centre

€600.000

€399.000

600m Plot 3 Bed 2 Kitchens

480m Built Licensed Investment Opportunity 2/3 Large apartments

€212.000

Arroyo 2 Bed Apartment Beautiful seafront home with pool and gardens, close to the town centre

€179,950

€520.000

Benalmadena 3 Bed Luxury Apt

Benalmadena 1 Bed Luxury Apt

A stylish blend of contemporary chic & Mediterranean living - under contruction now.

A unique location on the Costa del Sol, both as a permanent residence and as a second home.

Spectacular house on the ground floor located in

Pueblo 5 Bed Luxury Villa

HOUSES / VILLAS

Price reduccion for a quick sale from 879. 000€ to 719. 000€.

€650.000

Sol y Mar 4 Bed Luxury Villa

€700.000

MonteAlto 7 Bed Detached

€690,000

Multiple occupancy firendly villa that could accomodate 3 families or give you the opportunity to try your business skills with Airb&b

320m Terrace 2 Bath 3 Terraces

Beautiful family home with pool and huge gardens, close to the town centre with huge garage & gardens

a residential building. Large rooms with access

3 floors in the absence of internal division! It is

to a huge garden terrace of 320 m2, with

sold with all kinds of licenses, you just need to do

ornamental trees, rock decorations and sea

the internal partition of the houses or what you

views. It has 3 bedrooms, 2 bathrooms, one of

want to do. 2-3 apartments per floor would be

them with hydromassage bath, 2 kitchens, and 3

perfectly located, located in a very quiet area

terraces that add up to m2. It also has a solar

next to the town hall with a nearby supermarket

panel, community pool and 3 parking spaces.

and all kinds of shops and banks, close to

Marble floor. Windows with mosquito nets. Fully

schools and sports centre, a step away from the

furnished. Gated community.

road to Malaga-Costa!

Possibility of acquiring an annex of 100 m2 at a

Investors, do not need to think about it, this is a

great price of € 90,000

great opportunity!

Large Home & Garden SCAN THIS CODE 5 Bed Luxury Villa TO VIEW THIS

€715,000

lose To Golf, Close To Port, Close To Shops, Close To Sea, Close To Town, Close To

Magnificent building already built with more than

SCAN THIS CODE TO VIEW THIS

OPPORTUNITY

OPPORTUNITY

TODAY

TODAY

enquire by phone - call 633 488 949 or scan the QR code

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List your property FREE at: www.REDguide.NET Feature your HOT Property here for less than the cost of a coffee a day and all enquiries come directly to your phone, email, facebook etc

HOT PROPERTY

CALL +34 633 488 949 TODAY

€325.000

€815.000

€345.000

€770.000

Torremolinos - El Pinar

Torremolinos - El Pinillo

Benalmadena-Torrenueva

Torremolinos villa

635m Built 6 Bed 3 Bath

2 dwellings large exotic garden

1685m Parcel 6 Bedrooms 3 en suite/Total 5 Bathroom Luxurious Villa

200m Built 4 Bed 3 Bath

nd

2 line beach large garden

7500m Plot 3 Bed 3 Bath

300m build garage gardens

6 bedroom house in El Pinar neighborhood,

Spectacular Villa of 1.682 m2 plot with Chalet

Beautiful semi-detached villa with spectacular

Detached in Torremolinos of 7500 meters, built

Torremolinos. This Chalet is distributed on two

built on one floor, which consists of 3

views of the sea and the mountains in a

300 meters on two floors distributed in

floors. The first of 163 m2, has a spacious

bedrooms en suite, large living room, kitchen,

private urbanization located in Torremuelle,

independent-furnished kitchen pantry and

living room with fireplace, closets and library. A

dining room and terrace. The plot has gardens

Benalmádena, just 500 m from the beach. It is

laundry room, living room with fireplace and

fully equipped kitchen and a dining room with

and pool plus 2 parking spaces. Within the

distributed in 3 levels. On the lower level it has

living room, 3 bedrooms with fitted wardrobes,

custom designed cabinets. On this floor we

villa there are two guest apartments with a

a large living room with fireplace, large kitchen

2 bathrooms, toilet. Gardens, pool, cistern,

find 2 bathrooms and 4 bedrooms The ground

bedroom and bathroom in each of them. Very

with laundry, toilet, front patio with beautiful

tennis. Security surveillance. Storage room

floor ?

73 m2 has entrance, 2 bedrooms, a

sunny and bright with very good orientation.

views and storage patio with barbecue area

and garage for 2 cars. Interesting to visit

bathroom, a cellar with bar and lounge is

Air conditioning. Wardrove. Private garage

and jacuzzi. First floor with 3 bedrooms with

Awesome visits. Garage. Terrace. Pool. Yard

added. The house has the possibility of being

Private garden. Terrace. Storage room.

two bathrooms, one of them en-suite and with

divided into two parts. Currently, the plot has a

Courtyard. Pool.Equipped kitchen. Garage.

its own south-facing terrace, and 1 extra room

large exotic garden, BBQ and a large urban

Storage room. Terrace. Pool. Yard. Air

for office or bedroom. It also has communal

garden on the terrace.

conditioning.

garden and pool areas

SCAN THIS CODE

SCAN THIS CODE

SCAN THIS CODE

SCAN THIS CODE

TO VIEW THIS

TO VIEW THIS

TO VIEW THIS

TO VIEW THIS

OPPORTUNITY

OPPORTUNITY

OPPORTUNITY

OPPORTUNITY

€495.000

€875.000

Mijas - La Sierrazuela

Mijas - Modern Lux. Villa

€575.000 -

Stunning Panoramic Views

Benalmadena 343m Built 4 Bed 5 Bath

635m Built 6 Bed 3 Bath

2 dwellings large exotic garden

HUGE PLOT OF LAND

1323m Plot 4 Bed 4 Bath

Modern Exclusive Luxury Villa

a concept in which the best qualities of construction join the maximum functionality of the spaces, to

This spacious and bright green villa is located

Villa, Unfurnished, Fitted Kitchen, Parking:

result in spacious villas with Mediterranean character and style, full of light and life. Calm spaces in

in a very quiet and private area. The house

Garage, Pool: Private, Garden: Private with

one of the most privileged environments of the Costa del Sol, perfectly connected with the best

consists of a main house and an apartment

Pool, Facing: East, Features: Contemporary

transport, entertainment and catering options. exclusivity, location and sensations come together to

built on the basement floor. The main house

style, Well located for golf, Near entertainment

give life to a new place to call home. It sits in one of the best areas of the Costa del Sol, with direct

has 6 bedrooms, 2 bathrooms and a toilet, a

venues, Air Conditioning Hot / Cold, Floors

access to highways and transport; just 15 minutes from the airport and 20 minutes from Marbella

large kitchen, a pantry, dining room, living

Marble, Built-in Wardrobes, Automatic

and the city of Malaga. a unique environment, close to all services, prestigious international schools

room and three sunny terraces. The apartment

Irrigation System. Air conditioning. Wardrove.

and leisure and entertainment areas. Due to its location, all the exclusive villas have stunning

has 2 bedrooms, 1 bathroom, kitchen and

Private garage Private garden. Pool. Not

panoramic views of the Mediterranean Sea in a unique landscape that includes the coast of

terrace. The house also has a spacious

furnished. Garage. Pool. Yard. Air

Benalmadena and the bay of Fuengirola. incomparable views that reveal the harmony with which it

garage, a third terrace and a porch in front of a

conditioning.

is conceived. Privacy is one of the maximum guarantees of these villas. a promotion in which to

large garden area.

enjoy every second at home, in an urbanization with maximum privacy and tranquility in a comfortable and safe environment for the whole family.

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OPPORTUNITY

OPPORTUNITY

OPPORTUNITY

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15

BUSINESS

LAND & COMMERCIAL Tel: 664 89 33 20 C/ Jacinto Benevente, 29640 Fuengirola OPPORTUNITIES

Benalmadena

30 Bedroom Hotel €5,7000,000 Boutique hotel in great location 2300m build Swimming pool Parking

Office of a built area of 18 m2, on the ground floor in the Maite 2 building. Building in enclosed enclosure with pool and garden.

beach

Beachfront large restaurant under hotel apartment complex available for rent only

€4.500/m

Restaurant 150m Antonio Machado Overlooking the sea on the main road through the resort with great opportunity

€1.200/m

OFFICES from 350€ Torremolinos

OFFICE - 54m TIVOLI AREA

Three diferent offices with areas of 28 m2, 49 m2 and 90 m2. The prices are from 350 €/month.

Lovely office close to town but away from the hustle & bustle with plenty of parking

€550/m

INCOME OPPORTUNITY

BUSINESS FOR SALE

Currently working well with great reputation in this amazing ancient town with huge growth since redevelopment of Caminito del Rey only a few miles away. Bar, Restaurant & Hotel with unlimited potential to increase revenues.

Rent to Buy Deal Available to right buyers

BOUTIQUE HOTEL - ALORA Café Bar €45.000 (Low 650€ Rent)

Bar Restaurant

Local with complete reform three years ago. is currently a cafeteria but can extend lisence

Great opportunity for an experienced trader as this bar gets busy fast with loyal clients

Top Location - Low Rent

€58.000

Tapas & Terrace Bar

Restaurant - 70m

Large sunny terrace

Busy Location

€19.000/€750 rent

This well developed food led business is unique in that it has full set of accurate accounts available to purchasers showing strong turnover and good profits enough to reward the hard work that goes into running a quality Café Bar in Spain located on the main road through the tourism area of Benalmadena Costa Tel: 654664991

Restaurant 650m Beachfront

LAND & COMMERCIAL

Fully functioning and earning profit in a solid trade location to be busy all year round

CAFÉ BAR

OFFICE FOR SALE 18m2 €28,200 Direct from bank Close to

Beautiful seafront home with pool and huge gardens, close to the town centre

€50.000/€1000 Rent

We’ve helped thousands of people establish, expand and ultimately sell their many types of business all along the Costa del Sol over the years and we continue to act in the best interest of both investors and vendors from initial enquiry to completion of every transaction.

As one of the most important and courageous decisions to make in a lifetime you need to deal with people you can trust and that have proven experience in both the area and the industry you are seeking to invest. call us today.

BARS & CAFES NIGHT CLUBS RESTAURANTS HOTELS & BnB RETAIL SHOPS COMMERCIAL

35 BUSINESS SALES

years on the coast

NIGHT CLUB Trading for decades as a music venue located in the heart of Benalmadena Costa and recently converted to Disco Bar / Night Club with large capacity and kitchen facilities.

Lease available for the low price of €65,000 due to owner returning to the UK Tel: 654664991

RESTAURANT Trading for decades a fine Italian restaurant with a great reputation and growing profits, this very well established and popular dining experience venue is only to become available due to the retirement of the owner after a successful 25 years in the same location. Available Freehold or leasehold Tel: 633 315 655

ESTABLISHED BRITISH BAR Trading for almost 2 decades as a popular British Bar in he heart of the tourism area of Benalmadena, this bar makes money and could be run by the current staff with new owners enjoying the real dream of living in Spain without the need to work, or of course you could bring own personality TEL: 633 315 655

ESTABLISHED UNIVERSALBARSALES.COM

Sales, Rentals, Investments, Businesses, Resorts & Finance Call +34 633 488 949 and let us help you make your property dreams come true

Tel: +34 633488949

Selling your business?

BEACH BAR/CLUB Trading for OVER 3 decades as a popular Beach Bar and music venue has become available Freehold, giving a rare opportunity to own a popular resort venue €1.200.000 TEL: 633 315 655

Special Offer

ONLY Advertise in in Advertise REDGUIDE REDGUIDE at €20/month €20/month at

€95 UNTIL SOLD

Since 1985

www.clinicapalomacabello.com

Telf: +34 952 442 683 Mov: +34 625 441 308

ODONTOLOGIA GENERAL GENERAL ODONTOLOGY IMPLANTOLOGIA IMPLANTOLOGY ENDODONCIAS ENDODONTIES PROTESIS DENTALES DENTURES ORTODONCIA ORTHODONTICS HIGIENE BUCODENTAL ORAL HYGIENE ESTETICA DENTAL DENTAL AESTHETICS CIRUGIA MAXILOFACIAL MAXILLOFACIAL SURGERY BLANQUEAMIENTO WHITENING

TORREMOLINOS

BENALMADENA

C/ Alcalde Antonio Garcia Edf. 3C - Local 7 - 29631 Arroyo de la Miel, Benalmadena

AIR CONDITIONING

Doctor COLDAIR

AIR CONDITIONING REPAIRS NO FIX - NO FEE & NO CALL OUT FREE ESTIMATES & NO HIDDEN CHARGES Call Joe on 634072372

New Systems from €550

Avenida Estacion 5, Arroyo de la Miel

(In Front of Train Station)

air con - heating - sound & vision - kitchen equipment - service

Professionals at your service 952 24 44 42 / 606976555

Monday to Friday: 09.30 - 14.00 y 17.00 - 20.30

Saturday: 10.00 - 13.30

Info@espejopalacios.es

HOUSE CLEARANCE WE BUY EVERYTHING

Specialists in Quality used cars

NO MATTER HOW BIG OR SMALL We buy all furniture and also do removals from 25€ per hour

BEST PRICES PAID from Torrox to Estepona Distance No Problem

T: 952 57 82 90

FUENGIROLA

TEL: 600 500 400 any time

+34 952 464 615

Helping locate your ideal business here on the Costa del Sol

952 84 76 31 AVENIDA DE GAMONAL, 11 NUEVA PLAZA DE BONANZA, ESCALERA 1, LOCAL 4, 29630 Benalmádena, Málaga

AVENIDA ANTONIO MACHADO Nº56 - LOCAL 5, 29630 BENALMADENA COSTA, MALAGA

FU

EN G

IR O

LA

MIJAS / MIJAS COSTA

Mijas / Mijas Costa

SCAN QR CODE TO VISIT OUR WEBSITE

Home Furnishings Deco - Hogar

UP TO 50% OFF END OF LINE STOCK

Olivia interiors

interior design & furnishings Movil: 600 523 032 Telf: +34 952 561 863 Poligono Industrial Arroyo - Local 4 In Front of the Fire Station in Arroyo

18 www.redguidebenalmadena.com

APARTMENTS

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Torrequebrada

2 Bed Apartment Close to the beach Beautiful bright apartment within a lovely urbanization with gardens and communal pool.

Large living room

Long Term & Short Term Rentals of high quality apartments & villas

€750/month

Jupiter 2 Bed Apartment

Arroyo

2 bedrooms, centre, c o m p l e t e l y r e f u r b i s h e d , impeccable, has never been rented before,

€680/month

FEATURE: Established 15 Years

Telephone: 952 562 407 Rentals: +44 7955 405 153

Villa’s & Apartments To Let or Buy Great local knowledge and contacts to find you exactly what you want without the fuss or hassle ...

Call us today and Let Us Help You to make your property dreams come true

Villas Fincas Apartments Businesses Developments

35 years on the coast

Sales, Rentals, Investments, Businesses, Resorts & Finance Call +34 633488949 and let us help you make your property dreams come true

HOUSES / VILLAS

Torrequebrada

3 Bed Luxury Villa 4 FLOORS Beautiful seafront home with pool and huge gardens, close to the town centre

€2.800/month

Benalmadena Pueblo 4 Bed Luxury Villa Distributed in 4 floors – 3 terraces with panoramic views to the Golf Course.

€2.600/month

Tel: +34 952 443 388

scan for location

COSTALETS Tel: 952 56 39 39 Mob: 636 82 96 31

In the Minerva Building, Avenida Gamonal, Benalmadena Costa 29630

Email: contact@costalets.com - Website: www.costalets.com Costalets Real Estate have over 25 years’ experience in the sale and rental of residential and commercial real estate.

We have had a strong presence in Spain since 1984, offering the best service to our customers.

€120,000

Handy little card ...

CSP1004 - 1 BED STUDIO SUITE A studio suite recently reformed with a small bedroom, large terrace with afternoon sun, ground floor and presented to a high standard. This is a large suite and this type of property does not come on the market very often. The bathroom is totaly new and is the large terrace. The property has fantastic gardens, pools and benefits from 24 hour reception.

Apartments, Villas & Commercial Property For Sale & Rental

Avenida Antonio Machado, Nº 76 Urb. Pueblo Santa Ana - Local 17

scan for website

www.moneycorp.com

€189,000

CSP1003 - 3 BED APARTMENT A 3 bed apartment in Bonanza Square!

This is a real opportunity to own a large apartment close to stops, bars and restaurants. The apartment has a good entrance hall with all the rooms of it. It has a large kitchen, three bedrooms, 2 bathrooms, lounge & a good size terrace.

The community has a pool and garden area.

CONTACT US FOR SHORT & LONG TERM RENTALS, VACATION RENTALS, INVESTMENT PROPERTIES IN BENALMADENA & BEYOND “We are big enough to be Professional but small enough to care”

Stephen H Parker (Proprioter) NIE: X-5640385-A - Legally Registered in Spain

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AUCTIONS & REPOSESSIONS

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19

Universal Estates

PROPERTY AUCTION RESOURCES FOR SPAIN

TELEPHONE +34 952388924

SO

These are the government department websites, many have English speaking departments while others do not. On saying that most of these sites are pretty self explanatory and some with pictures of the properties to be auctioned. If you plan on going to one of these property auctions please be sure to take a translator with you and preferably someone who knows how the auction system works in Spain. Each of these government departments have their own procedure to follow which you should enquire about beforehand, don’t just expect to be able to turn up on the day and place a bid as there are procedures and financial checks involved before you can become eligible to even place a bid.

AEAT – In Spanish (updated now also in English) but self explanatory, lots of cheap auction properties held regularly which have arisen through non payment of taxes etc.

Ministry of Defence – Direct property disposal and auctions, in English.

Invied Ministry of Defense Property auctions and direct sales in English.

Social Security – Lots of property in various areas for disposal, sometimes other items such as cars etc.

Ministry of Economics Real estate auctions and other assets.

Other Property Auctions Resources.

Mainly private auction sites where an individual has submitted their property to a company for a quick sale which is reflected in the price.

SEGIPSA – Regular public auctions from private and government sources.

BNP PARIBAS – Live auctions, download auction catalogue GOBCAN – A Government resource for the Canary Islands.

WORLDWIDE PROPERTY AUCTIONS – Have a Spanish auction property section.

LD

Government departments who auction properties in Spain.

9 Bedroom Aparthotel with long established 200 Seat Restaurant,

Asesorias de empresas Asesoría de empresas. Asesoría jurídica, laboral, fiscal y contable.

Consultoría de empresas.Seguros.Inmobiliaria.

TEL: +34 952 44 15 09

ENGLISH SPEAKING PROPERTY LAWYERS

with Bar and Terrace popular tourism spot near Caminito del Rey and the lake district

FOR SALE ONLY €495,000

Reduced from €800k for immediate sale due to ill health

50% PRIVATE FUNDING AVAILABLE Regular International Clientele Private Owners Accomodation RENT TO BUY OPTION AVAILABLE €100K DEPOSIT + €2K/MONTH BANK MORTGAGE AVAILABLE EARN MONEY FROM DAY 1

MALAGA - FUENGIROLA - PUERTO BANUS

CONTACT OWNER DIRECT Call David on 633 488 949

20 www.redguidebenalmadena.com

LEGAL ADVICE COLUMN Spanish Residency Increased interest in obtaining Spanish nationality since referendum result A growing number of British residents on the Costa del Sol want to prepare for Spanish Nationality Parnell Academy is running a course designed specifically for those who want to pass the test of Spanish nationality, supported by the growing association “Brexpats in Spain”.

Since the outcome of the referendum, whether or not to obtain Spanish nationality has been one of the key questions formulated by British residents on the Costa del Sol, one of the largest British communities in Spain. The interest generated in obtaining Spanish nationality has led to this pioneering academy to offer a specially designed course in this area.

In the centre of La Cala de Mijas, one of the three towns of this municipality of 84,000 inhabitants where the largest number of foreign residents on the Costa del Sol (10,000 are British) is located Parnell Academy.

Richard Parnell, one of the founders with his daughter Natasha and Anne Hernandez, 63, president of Brexpats in Spain, an association which now has 1,900 members and hopes to extend to other European countries, including France, which have shown interest in the initiative. Brexpats was established in 2017, and the group membership quickly spread throughout Spain to Barcelona, Mallorca and Alicante.

This type of specific course to pass the exam to obtain Spanish nationality has no precedent in Spain. The Brexit effect has led to an intense and growing demand on the Costa del Sol in those interested in learning the necessary steps to obtain Spanish nationality. Parnell predicts that an average profile, is British about 60 years old with residence in Mijas, Fuengirola and Marbella, without having any prior knowledge of speaking Spanish To meet this objective, the student should devote two hours a week for classes, plus another extra lesson in Spanish culture with knowledge of geography, history and politics. "Of course, also you have to study at home and find ways to relate to the Spanish," one of the great problems of the Brits, according to the founder of the academy is that at developments such as Riviera del Sol and Calahonda the British can run smoothly in their everyday life without speaking a single syllable of Spanish.

The monthly price of the academy is around 50 euros. There is also the possibility of having private lessons at 20 euros per hour.

The learning method is based on modules. The beginner level lasts nine months and then progresses through the next levels "We not only want them to converse in Spanish, but that they know how to write well. It is essential that the British integrate in all ways. We must seek to interact with local people, "Parnell says. The academy also offers English classes for Spanish people and has capacity to accommodate over 120 students one morning.

One of the motivating factors to seek Spanish nationality is the concern over health cover. British pensioners use Social Security, but when the UK no longer belongs to Europe, everything will be more complicated. Medical insurers will not accept older people and a very small percentage of the population will be able to afford the expenditure of paying privately hundred percent. The president of Brexpats in Spain highlighted the problem of social security cover for pensioners. "Some are 80 years and with chronic health problems and they cannot afford private insurance. They do not know what they will do, "laments Hernandez who criticises how the British who have been 15 years outside the United Kingdom were unable to vote in the referendum. "We are the forgotten, as if our opinion does not count. Brexit will affect us more than those who live in the UK ". - "There is no turning back" Brexpats in Spain does not have its own funds. At the moment, it is a non-profit association. Mijas Town Hall itself supports them, as do Estate Agents (Orange Estate), the Excelan of Marbella clinic and De Vere, one of the largest brokers in the world.

"What we want is to cover expenses. The Association has been holding meetings and presentations aimed at discussing the implications of Brexit. The result was a surprise for everyone. We know almost nothing and there is no turning back. We must respect the decision of the referendum, "said Hernandez.

The agreements for and against Brexit are heated, but one fact that cannot be argued against is that the real losers will be the retired British ex-pat living in Spain without residency as health insurance will be expensive, often prohibitively and may force many to return to the UK as age hits us all and insurance costs grow.

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No deal, no problem More EU countries guarantee British expats post-Brexit grace periods To hear the Brexiteers tell it, countries in the European Union have no autonomy. All decisions are made by the Little Dictators in Brussels.

If only that were true, then we wouldn’t have 27 countries plus Switzerland and Scandinavia scrambling to figure out what to do with their British expats.

As the United Kingdom moves inexorably toward a no-deal Brexit, an increasing number of countries across the European Union are assuring British expats that life will go on as normal. Well, at least for a few months.

But concerns about their citizens in the UK have countries from Portugal to Poland making clear they’ll allow Brits to stay only if there is reciprocity and their citizens get settled status in Britain.

For example, Spanish authorities are saying British expats will have the same rights in Spain post-Brexit as long as the UK extends residency rights to Spaniards already living in the UK. This comes after the European Commission asked – but decided not to order – member states to grant temporary residence permits to British nationals so they’ll have time to apply for long-term residency status. Germany and Italy already notified their British expats at the end of 2018.

If you’re an American in the Netherlands, for example, you’re registered with the local government and have specific rights under the Dutch American Friendship Treat. But a no-deal Brexit would push British citizens into a neither-nor purgatory where they would have neither EU citizenship status nor a separate post-Brexit immigration status. And in some countries such as France and Spain, Brits never have had to register as permanent residents, which introduces another layer of anxiety. Until they get their long-term residence status as third-country nationals, they’ll won’t be able to leave their host country, then return as anything but tourists.

What a lot of people – especially British politicians – don’t seem to understand is that no-deal means no transition time to implement new treaties.No-deal would not be the end of negotations, it would the beginning of another round of more,– and more intense – negotations to repair all the ruptures caused by Brexit So while British expats will be able to remain where they are living in Italy, the Netherlands and other countries, they will lose the right to move – or even travel unless they have long-term residence permits – within the Schengen Area until the UK can draw up separate reciprocal long-stay residence agreements.

Bottom line: Wherever they are living now, British citizens should apply for a long-term residence permit sooner rather than later. Because they can take awhile to get and unless they have one, it may be harder for them to reenter their country of residence should they, say, return to the United Kingdom for a visit.

Brits have till 31 December 2020 to apply for a foreigner identity card.

Did you hear that huge sigh of relief on 1 March? That was the sound of 300,000-plus expats getting word Spanish officials have finally come out with a definitive no-Brexit policy: Everyone gets to stay in Spain, the EU country that’s home to the most British citizens.

Spain’s cabinet approved legislation for an estimated 400,000 Brits living in Spain remain in place if the UK leaves the EU without a deal. And under a reciprocity agreement, 150,000 Spanish citizens would remain in the UK. Spanish Prime Minister Pedro Sanchez said in December that Brexit won’t change the status of British citizens in Spain, as long as the UK extends reciprocity to his citizens.

Under the plan, Britons living in Spain will have to apply for a foreigner identity card before 31 December 2020 to prove their legal residency status. The process would be “nearly automatic” for those UK nationals who already have permanent residency, according to media reports.

Now, here’s the tricky part: If there’s a no-deal Brexit, a Spanish contingency regulation provides a 21-month period starting from the withdrawal date (whenever that is) for the British nationals and family members to switch to third-country residence permits from EU rules.

There are a few uncertainties because the actual number of Brits in Spain is closer to 1 million, many of whom have homes there where they live only part of the year. That said, Brits in Spain hold a strong hand, injecting about 1.32 billion euros each year just into the economy of Alicante, where more than 25 percent of them live, according to Forbes. Also, don’t forget that Spain is one of the Golden Visa countries. The New York Times has new post about how you can buy a house in Spain and get a passport in the bargain.

NEW YORK TIMES ARTICLE When Natalia Yavorska and her husband first considered buying a holiday retreat somewhere warmer than their Ukrainian homeland, they were drawn to the Canary Islands.

A vacation to the Spanish archipelago in 2012 left them eyeing land on the southwest coast of the island of Tenerife, and while the initial attractions were the golf courses and ocean views, the deal was sealed by a special extra that came with their purchase.

“The fact that we could get a Spanish residence visa from buying real estate was very important, and that made it an easy decision,” said Ms. Yavorska, a 60-year-old former banker from a town near Kiev.

That “golden visa” carried the right to eventually apply for a Spanish, and therefore European Union, passport, the kind of bonus that is luring a growing number of investors to high-end real estate.

Once seen as a slightly shady practice, the business of dangling visas and citizenship in front of wealthy investors has become a more common, and in some cases hugely successful, marketing strategy.

Ms. Yavorska and her husband, Alexander Yavorski, who own a pharmaceutical import business in Ukraine, were worried about political stability at home and saw the right to live in the European Union as “a type of insurance.”“Something can always happen between Russia and Ukraine, so if you have the chance to have a visa or a second passport sitting in your drawer, you would be stupid not to take it,” she said.

So far, at least 14 countries have programs that offer visas or passports to foreigners who buy real estate, according to research by Henley & Partners, a British-based law firm that specializes in helping people looking such programs, and Montenegro will soon become the 15th, and the British overseas territory of Anguilla is planning to follow suit.

Many more countries, including the United States and 20 of the 28 European Union members, are offering residence visas, which can often lead to passports, to foreigners willing to invest in non-property business ventures. These countries believe the investments will bolster their economies.

Other countries, led by small Caribbean island nations and Vanuatu, in the South Pacific, are happy to simply sell a passport for as little as $100,000. Analysts say that offers of passports and residency have become a big business, attracting an estimated $20 billion a year in investment.That approach is transforming the upper end of real estate markets and reshaping the finances of some of the smaller countries, pumping billions of dollars into economies that are desperate for the funds. At the same time, the practice is raising fears in the European Parliament and the Organization for Economic Cooperation and Development, which works to promote economic growth worldwide. They worry that the programs could assist money laundering, tax evasion and the free movement of criminals and terrorists, as well as allow wealthy Russians, Iranians and Syrians to skirt economic sanctions.

There are eight countries — five small Caribbean states, Turkey and, in the European Union, Cyprus and Malta — that will hand over passports to property buyers, who are generally required to spend little, if any, time within their borders.

In December, Brazil joined Dubai, which is part of the United Arab Emirates, and six European nations — Cyprus, Greece, Latvia, Malta, Portugal and Spain — in extending residence visas to property buyers, although the rules vary greatly for converting those visas into passports.

Portugal requires a waiting period of five years, during which the applicant needs to spend just one week a year in the country. Spain and Latvia insist on a 10-year wait. The Latvians and Greeks require difficult language tests and several years of actually living in the country, and the Latvians insist that applicants learn the national anthem.

Dubai almost never grants United Arab Emirates citizenship to foreigners.The picky passport shopper needs to consider price, each country’s tax system and the speed of its bureaucracy: Dominica is the fastest to hand over a passport, and Turkey the slowest among nations that go straight to a passport.

Passport shoppers also need to consider how much time a nation requires them to spend within its borders, and how many other countries will grant them visa-free access with their new passports. Grenada, for instance, offers passports that have visa-free access to both China and Russia.

Wealthy Chinese are by far the biggest buyers of both visas and passports, followed by Russians, experts say.

There is also growing interest among French citizens eager to avoid high income taxes and Britons desperate to maintain their European Union membership when or if their country leaves the bloc.

“I think there will be a huge amount of activity once we know what is actually happening with Brexit,” said Penny Mosgrove, the chief executive of the upmarket real estate agency Quintessentially Estates.

Americans are interested, too. In the five years to April 2018, 4,327 United States citizens received golden visas in Spain alone.

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INHERITANCE & TAX

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21

BUSINESS ADVICE

Making a Will in Spain Running a Business in Spain Is it necessary to make a will in Spain?

For expats, starting a business in Although it isn't an essential requirement it is beneficial to do so and S p a i n c a n o p e n u p l o t s o f it can help your heirs when the time comes. opportunities. Learn what kind of Your inheritors will need to prove their right to your property after you have died. This is so business structure is right for you much easier if there is already a Spanish will that outlines how you want your estate to be and how to get started. distributed.

It is our recommended that everyone at some point make a will in Spain even though they may have already made one in their home country. A will made in another country must be translated by an official translator before it will be accepted in Spain. Additional legal arrangements have to be made which can make the procedure more complicated at a time when your family could least do with it.

In order for a will to be valid in Spain and registered at the Last Will Registry, it must be signed before the Public Notary. Leaving no indications for the distribution of your Estate until after your death creates more complications for those who you have identified as inheritors.

To simplify things it is well worth talking through with your lawyer what your intentions are.

They can then provide you with advice as well as preparing the will both in your own language and in Spanish. This will ensure that you are absolutely clear that your wishes are correctly outlined. From here, a will is sent to the Notary office, in order to have it in place for granting.

Just in case you are still unsure about whether you should make a Spanish will or not we identify the advantages below.

Advantages of making a Spanish will it simplifies the handling of your affairs it ensures that your wishes comply with both, Spanish formalities and law of your nationality, and can be fulfilled forward planning can help to reduce the inheritance tax bill it will be easier for your inheritors to arrange inheritance tax payments it deals more effectively with your Spanish assets but will not interfere with assets in another country Spanish wills are stored safely at the Notary's office where signed and registered at the 'Registro General de Actos de Última Voluntad' you can be sure that everything is legal and above board If you don't make a Spanish will: all document must be translated by a sworn translator and sealed with the Apostille seal of the Hague Convention the process will be more expensive it increases the likelihood of family disputes there is a risk that delays might lead to tax penalties being implemented It isn't compulsory to have a Spanish will in place but it will make the process a whole lot smoother for those you care about most.

TOP TEN TIPS WHEN MAKING A WILL IN SPAIN 1 If you already have one, make sure it complies with new European Directive 650/2012 which came into force on the 17th of August of 2015. If you have children from other marriages this is the most important recommendation for you.

2 If you have children from other marriages it is perfectly possible to protect both your wife and your children by using life possessions etc. Make sure your will is correctly written so that it can not be contested by the beneficiary.

3 Make sure you understand the advantages of Sentence 3/9/2014 of the ECJ that allows non residents to claim the same extra exemptions as residents. If your will was done before then your solicitors will not have taken this into account when establishing the most advantageous way of distributing your estate for tax.

4. Look into making sensible use of Life Possessions as an instrument to both mitigate inheritance tax and protect beneficiaries. This is not for everyone but in some circumstances it is very advantageous.

5. Be aware that in some regions of Spain exemption rates have been reduced or abolished during the credit crunch . (for example in Murcia Group II heirs ) while in others like Andalucia they have been increased . A revision of your estate planning may be convenient .

6. Make sure that the will is sensible from the point of view of inheritance tax, and understand the effect being a non resident or a resident has on what has to be declared in Spain. Normal families will normally not pay any inheritance tax in Spain as long a the will is sensible. Different ways of distributing your estate amongst your loved ones can make a considerable difference to the final tax bill.

7. Make sure you understand the difference being a resident or non resident can make to your inheritance tax declaration.

8. Do not make a will that is unnecessarily complex. If it is complex ask your solicitor if he has handled probate on a will exactly like the one he is proposing.

9 .Never mention a trust on a Spanish will. (it will be a disaster). The situation will be even worse if there is not a Spanish will and the u.k. will that needs to be used in Spain mentions a trust.

10. Make sure your solicitor has plenty of experience with probate and the Spanish inheritance tax office. If he does not he is not the correct person to prepare you will.

It is much cheaper to have a Spanish will that is in perfect order than to have to go to probate on a bad will.

If you are interested in setting up a company in Spain, you must first be aware of the different possibilities to enter the Spanish business market. If you are starting a business in Spain, you can set up as a new company,as an acquisition, as a joint venture, as a Spanish branch, as a representative office, as a selfemployed person, Self-employed workers in Spain

Self-employed workers in Spain are commonly known as “autonomos”. Their registration process has to be made with the Spanish tax authority and the Social Security in Spain.

Most autonomos have to present quarterly IVA – or value added tax (VAT) – returns and an annual income tax return (I.R.P.F.).

Other declarations are frequently applicable on a quarterly and annual basis, according to circumstances.

Sole traders and partnerships in Spain If you’re starting up a business in Spain, the easiest and cheapest way of doing so is to set up as an unincorporated company. You can do this as a sole trader (empresa individual) or partnership (sociedad civil). With these arrangements, there are no minimum investment requirements and you won’t need to go through many of the formalities needed for setting up a limited company. The business owner(s) is classified as an autonomo responsible for their personal tax return. However, there is no legal distinction between your business assets and your personal assets. If the business gets into debt, the business owners are personally liable.

Sole traders and partnerships are more suitable for smaller businesses that won’t have a large annual turnover or employ many staff. If you’re starting up a business in Spain alone, you can also choose to set up as a freelance professional (profesionales autonomos) instead of a sole trader. If a few of you are setting up as a partnership and and you want to limit the amount of personal liability and give the business a more formal structure, you can set up as a limited partnership (sociedad comanditaria) instead of a general one.

Limited companies in Spain With regard to limited companies, several types exist but the commonest form is the sociedad limitada or S.L. Though it is important in protecting the owner(s) from personal liability in the event of bankruptcy, its incorporation does mean a number of additional tax, accounting and mercantile obligations. S.A is the equivalent of the PLC (Public Company) and not usually required for new businesses.

An SL has to present an annual corporation tax return and statutory accounts. They will have to file their IVA, and several other periodic declarations are usually applicable.

Here we will consider how to set up a new limited company. You will find information and guidance regarding the steps and the public offices you must visit to fulfil the different forms and all the red tape in order to get your sociedad limitada set up by yourself.

1. NIE – foreigner’s tax identification number Before you can start the process of setting up a business in Spain, all resident and non-resident foreigners with financial affairs in Spain must have a foreigner’s tax identification number or NIE. The NIE is essential for any fiscal transactions in Spain, for example, to incorporate a company. If you are a Spanish national, you will have a NIF rather than a NIE number.

Applications for a NIE can be made at a processing office for foreign citizens (Oficina de Extranjeros) at a national Spanish police station (comisaría). You can find a list of local offices here.

2. Register the company name with the RMC (Registro Mercantil Central) The first step in setting up your SL will be to obtain a certificate (called a no-name coincidence certificate) from The Mercantile Registry to verify that the company name you want to use is not already taken, so you can choose it for your new company. You can do this by yourself through the RMC website. This step takes about three days before you receive the answer from the RMC by courier.

3. CIF – company tax identification number Next you have to apply for your C.I.F (certificado de identificacion fiscal) which is your company tax number. You need to complete the tax form 036, which can be done online or hard copy delivered to your local tax office. You can find information about the form along with form downloads and links to completing online at the Spanish Tax Agency (Agencia Tributaria) website.

If you make the application in person at your local tax office, bring the original and a photocopy of your NIE (numero identificacion extranjero).

4. Open a business bank account Once you have obtained the tax code and the certificate of noname coincidence (see point one), you will need to open a business account with a Spanish bank and make a deposit of €3,006 – which is the minimum authorised share capital for a SL. Evidence of payment can be obtained in the form of a bank certificate which will need to be provided to a notary or lawyer showing the act of incorporation of the company. If you don’t have a Spanish bank account, find out how to open a bank account in Spain. These funds can also be shown as money invested previously into the business such as a vehicle or computer bought for the business, it need not be cash.

5. Deed of incorporation You will now need to apply for the deed of incorporation to establish your company. This is the official document that states they key details of the company (name, address, details of director, board members, shareholders, etc.). You can arrange a local notary appointment to sign the deed of incorporation. You can find the nearest one in your area at www.notariado.org. This step lasts about one to three days depending on the notary.

You must supply the notary with original documents and photocopies of: tax form 036,your certificate from Registro Mercantil, NIE, andthe evidence of payment in the bank.

6. Register the company: With the original deed of incorporation obtained from the notary, you should then go to the Local Government Tax Authority to register the deed. The deed will be stamped certifying this fact. This step should not take longer than two hours. Do not forget to take with you your original documentation and photocopy of the deed and your NIE. You will then need to take the stamped deed to the Registro Mercantil where it will be registered in the Spanish Register of limited companies. It should take around 15 days for the deed to be registered and original documents returned.

Finally, you will need to return to the tax office to obtain the permanent Corporate Tax Identification Number (CIF) after the completion of the incorporation process.

Newly incorporated companies must use the 036 form used to request a tax identification number, to describe their business activity, and disclose other business details. Do not forget to take along the original and photocopy of the deed and NIE. 7. Register for social security The last step of the registration process as the company’s director is for social security and occupational accident insurance purposes.

You will have to comply with certain procedural formalities at the local office of the Ministry of Employment, Migration and Social Security (Seguridad Social). There are different options for registration. Usually the company director will be registered as autonomo and will make monthly payments, which are currently set at between 26.5% and 29.8% of the contribution basis.

To register for social security when starting a business in Spain, you will need to take along your deed of incorporation, NIE, CIF and form TA 0521 (which can be obtained from your local social security office). Details of local social security offices in Spain can be found here.

This guide only covers the basics of starting a business in Spain and there are many legal issues as well as further issues (such as setting up accounting procedures, obtaining necessary business or trading licenses and notifying regional authorities) that will need to be considered.

It is recommended that you obtain help from a professional such as a lawyer or an economist, or an administrator (known in Spain as a gestor), to guide you through the processes, when starting a business in Spain, especially if you do not speak and read Spanish well as mistakes will be costly and could incur fines or court actions as your business grows.

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BUYERS GUIDE Dreaming of a settling in a villa in Benalmadena Pueblo or an apartment overlooking the sea in Torrequebrada? Our guide to buying property in Spain explains how to make those dreams come true, from the legal requirements to avoiding the pitfalls.

The Spanish property market has many quirks, and it pays to do your research before buying a home in Benalmadena as knowing what to expect when buying property in Spain can help avoid any pitfalls of setting up your life abroad.

Factors to be aware of when buying Spanish property include property scams, high capital gains tax, and fluctuations in the Spanish property market The Spanish property market Spain was badly affected by the global financial crisis and resulting property market crash, with house prices dropping by as much as 30%. Nearly a decade on, there are signs that the recovery is finally underway, with indices showing year-on-year price increases in major cities and resorts, and an overall national rise of 4% in 2017.

Transaction numbers are increasing too, with data from the National Institute of Statistics showing sales increased by 16% in 2017.

Home ownership levels are high in Spain, with around 80% of residents owning their own home, and many doing so outright, without a mortgage.

Should you rent or buy in Spain?

Rental opportunities can be limited in some parts of Spain. One estate agency has claimed that rent prices in Spanish cities have increased by as much as 15% in a year, and that this can partially be attributed to the growing popularity of short-term holiday lets through websites such as Airbnb.

Now, some authorities in Spain are already seeking to curb this trend, with Madrid set to bring in new rules in 2019 to regulate the holiday let sector.

For those buying or selling in Spain, transaction costs are moderate, at around 10-15% of the property value.

For those considering a shorter stay, renting could be a more suitable option if you factor in Spain’s high levels of capital gains tax, which could offset any benefits of buying in the short-term.

Are foreigners allowed to buy property in Spain?

Yes. There are no restrictions on buying property in Spain, whether it’s commercial, residential or land. In fact, Spain encourages investment by foreigners, both resident and non-resident.

You will require a financial number which can acquire by visiting a police station with your passport. This is no longer a one day job and can take weeks to get an appointment just to present documents to the Policia. Allow 6 weeks or pay your lawyer to do it on your behalf.

Buy a property, get a visa Spain currently offers a ‘golden visa’ program for property owners.

This is a form of investor’s visa. If you invest more than €500,000 in Spanish property, buying one or more properties, you will normally then be automatically eligible for a residency visa. This is not a work permit, but it will allow you to live in the country. It’s primarily aimed at retired people and holiday home buyers.

Buying a home in Spain: The Search As it is easy for foreigners to buy property in Spain, there are websites and estate agents catering to almost every language and nationality.

Many British real estate websites also list Spanish properties, with some online portals listing thousands of options. However, many of these focus on holiday homes, so you may prefer to use a Spanish site, such as the ones listed below.

As you don’t need to be resident to purchase a property, it is possible to buy a home before you arrive and move in directly. However, this naturally comes with certain risks and we strongly recommend that you view the property you are considering and don’t cut corners on the process, even if this means spending some weeks in a hotel when you arrive.

Advantages / disadvantages of using an agent As estate agents are typically paid by the seller, there’s a strong advantage to using them for buyers.

Estate agents can often provide detailed information about the region or city you’re considering, and many are bilingual and accustomed to dealing with overseas buyers. However, regulation is relatively low and unscrupulous estate agents do exist, so be wary of anyone who asks for payments upfront or suggests cutting corners.

Always remember that you can choose your own notary, mortgage provider and so forth – you do not need to use a service suggested by the agent.

Illegal properties For a long time, Spain has been popular with overseas buyers looking for holiday homes.

On occasion, the large numbers of inexperienced foreign buyers have provided an opportunity for unscrupulous developers and estate agents to sell properties which are not legitimate.

In some cases, planning permission has not been acquired before building, and properties are eventually torn down by the local government. In others, the quality of the property has not been up to scratch or as indicated, resulting in costly repairs.

The British Foreign Office has issued notices warning expat buyers to be cautious and not take unnecessary risks. They recommend, at minimum checking: The credentials of any lawyers or estate agents used; the land registry (Registro de la Propriedad); that appropriate planning permission has been obtained; No outstanding debts attached to the property, such as a mortgage; structurally sound (surveyor /rchitect can do this).

Most of this information can be provided by the land registry and accessed by making a request by email, phone, fax or in person. You can find the appropriate land registry office by vising the national website: www.registradores.org (Spanish only).

Buying off plan or a new-build home The worst property scams in Spain, as elsewhere, have involved properties bought before they were completed or, sometimes, even started.

While malicious intent is rare, caution is advised when buying a property which does not yet exist. At minimum you should: Check the company exists and is officially registered; check online at www.registradores.org (Spanish only).

Ensure that the project is registered with the land registry.

Check that planning permission has been granted by enquiring at the local city hall.

Never sign a contract you don’t understand.

Ensure that any translation is done by an independent party.

Demand proof that any sums paid (e.g. a deposit) are being held or spent appropriately.

Get proof that you’ll get a refund of your money if the property is not built.

As a non-resident, you may also buy land and have a property built yourself. In this case, good legal advice is even more important as you will need to ensure that contracts with builders are appropriate and watertight.

Debts transfer with property In Spain, any mortgage or debt tied to a property is transferred to the new owner when the property is sold. It’s thus critically important to ensure that there are no debts attached to the property when it is sold, or that if there are, they are covered by the terms of the contract. Debts may include: Mortgage; Payments due to Community associations; Property tax (impuesto sobre bienes inmuebles).

Buying a Spanish property The process of buying a property in Spain usually runs as follows. First, the buyer makes an offer, usually through the seller’s estate agent. If this is accepted, then the buyer and seller sign a preliminary contract (contrato privado de compravento) and the buyer pays a deposit, typically 10% of the purchase price.

(Do not pay a temporary holding deposit unless you are going to buy the property as you cannot get those funds back unless there is a legal reason not not complete the purchase) The buyer then arranges any mortgage they require, although they should have already discussed their needs with the mortgage provider. The contract of sale (escritura de compravento) is usually signed in

List your property FREE at: www.REDguide.NET front of a notary, at which point the full sale price, taxes and other costs become due.

Legal requirements The services of a notary are not legally required to complete the sale, but it is advisable and required by many mortgages.

The seller is responsible for hidden defects in the property, even if they are not aware of them.

However, in practice gaining restitution for such defects can be difficult and costly.

Paying the costs and taxes associated with buying a home can be completed by the buyer or their agent.

It is the buyer’s responsibility, however, to ensure taxes are paid.

The buyer is also responsible for registering the property. The notary may provide this service for a fee, and/or may notify the registry office that the sale has taken place, without completing full registration.

Funding purchase: deposits and mortgages Following the 2008 crash, Spanish banks were reformed with significant IMF involvement. This reduced the number of lenders in operation, and significantly increased the regulation and oversight of the industry. As a result, many banks began to lend less and mortgage rates and terms became less favourable.

Mortgage lenders will not complete on a mortgage agreement until you own a property. For this reason, it’s important to include a clause in the contract allowing you to exit the agreement if you cannot acquire a mortgage.

Fees and charges Costs are primarily paid by the buyer, and vary from region to region. Many are negotiable – there are no fixed fees for lawyers or estate agents. Costs paid by the buyer include: Property transfer tax 6–10% (existing properties) / VAT (or IVA) at 10% (new properties); Notary costs, title deed tax and land registration fee 1–2.5%; Legal fees 1–2% (including VAT).

The estate agent’s fees are usually paid by the seller, and this is typically their only cost. Estate agents usually charge a percentage, typically around 3% of the final sale price.

Capital gains tax Capital gains tax is paid on the profit of selling your home, i.e. the difference between the listed purchase price and the listed sale price, and the level in Spain currently varies between 19% & 23% First €6,000 – 19% €6,000 – €50,000 – 21% €50,000+ – 23% Thus if you pay €200,000 for a property and sell it for €350,000 you will pay capital gains tax on €150,000.

Due to the tiered system this would add up to €33,260 euros.

You may be able to claim a reduction on the capital gains tax to account for inflation; or if you are purchasing another property in Spain; or if you are over 65 and have lived in the property as your main residence for more than three years.

Otherwise, unlike in other countries, capital gains tax applies no matter how long you’ve lived in the property. Your residential status does not affect the application of capital gains tax either, as capital gains tax should be paid in Spain for property owned in Spain even if you are no longer a resident.

Choosing a reliable lawyer Any lawyer practising in Spain should be registered with the local bar association (Colegio de Abogados).

They will have a registration number that you can ask for and then verify with the bar association.

Naturally, registration does not guarantee honesty or competence, but it is a good minimum standard to insist on.

You can find a list of all the bar associations at the national website for Spanish lawyers, Abogacía Española.

Finding a translator Many governments provide lists of lawyers and translators who speak both Spanish and another language. The British Embassy’s list of English speaking lawyers and translators is a useful resource.

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SELLERS GUIDE So Many Choices when selling your home in Spain Once upon a time it was simple, you placed an advert in the paper and waited for the phone to ring or you called the estate agent and left it to them for a fee you would not pay until the property was sold.

Today, in this wonderful world of technology and myriad media all trying to grab more and more attention, it is almost impossible for either you or the Real Estate Agent to catch the eye of potential buyers, especially when they often live in far away countries and speak different languages.

Social media, websites, portals, landing pages, SEO, and property search mobile apps are attempting to replace the For Sale Board, local agent and the colourful window displays along high street offices.

There are 200 global property portals around the planet that mostly serve their local country or region in truth, such as RightMove, Idealista or Zoomla. By the time you or your agent has posted on all of those, plus created a dozen landing pages in multiple languages and posted to 50 social media groups it is more likely that your house will have been consumed by the next Ice Age than sold to a waiting buyer.

In reality, technology has made buying and selling property both more simple and yet more difficult at the same time, failing to realise the promise of making the process of bringing buyers and sellers together without having to walk around Real Estate offices all day.

Today buyers need to trawl through so many internet portals, social media groups and websites, often with out of date or misguiding information that the search is even more frustrating, simply better on the foot leather.

Vendors and Brokers now face the task of listing properties on all these media to have any chance of shining through the noise to be seen by the buyer being bombarded with emails, push notifications and sheer quantity of options.

Should I use an agent / broker?

If you have the time, patience, and experience to both promote your offer and handle the enquires from time wasters, tyre kickers and dreamers in search of the one elusive buyer that wants, and has the finances, to make a purchase, then you could save money by doing the work yourself. You could also make your property more attractive to potential purchasers by reducing the price to pass on the 5% saving in commission.

However, since the launch of MLS (Multi-property Listing Sites) such as Resales.com, that allow thousands of brokers to show each others listing and share commissions, it is much harder to compete for the attention of purchasers so making the decision to enjoy the support of a professional broker is much more inviting than before. Thankfully there is nothing wrong with doing both as long as you do not sign a sole agency agreement where the broker is paid even if you find a buyer yourself.

Here at REDguide, we are working to make the whole process much more simple by creating a multi-media platform offering sellers and brokers the ability to list property on a single site and benefit from being promoted on our local and global websites, newspapers, digital magazines, social media groups and mobile Apps without financial risk In theory, by making it both simple and risk free to advertise we should becomes the one place that every property for sale or rent is displayed, removing the confusion from searching and also streamlining the sales process.

Owners can register properties at zero cost and brokers can list on a sliding scale between paid for advertising and collaboration commission, so we have removed the financial barrier from listing property to create a single place for buyers to search for exactly the property they need on a single database.

Preparing property for sales viewings People “Buy with the Eye”, so presenting your property to be as tempting as possible each and every time you show potential purchasers will make a huge difference to the speed and ultimate price of a deal. Buyers want a cheap price so they can increase the value or a dream home they can imagine living in today, and all those offers in between are left on the shelf until the local prices rise to make your home a bargain or the guy next door wants to expand his property into yours.

Focus on Kitchens, Bathrooms and Cleanliness as no matter how politically correct the world becomes there is one fact that remains constant and that is “women buy homes, men buy an easy life and proximity to golf”.

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GUIDE TO RENTING A HOME IN SPAIN If you’re looking into renting in Spain, find out where and how to rent a Spanish property and what quirks to expect from the Spanish property market.

Although property prices in Spain fell significantly in the years following the financial crash, the effect was not felt as strongly in Spain’s rental market.

Buying or renting in Spain Renting a property in Spain is a good way to get to know the country and decide which area you would like to live in, and renting for a few years before buying is generally a sound course, particularly in the current market.

Find a property in Spain As with other countries, the most common way to find a house or apartment to rent in Spain is an estate agent (inmobiliarias), online property portals, newspaper adverts or word of mouth.

In addition to the Spanish property portals listed below, you may find properties listed on real estate websites based in other countries, particularly the UK and Germany. However, these will often be targeted at tourists and may therefore be more expensive.

If you find a property through an estate agent, it’s important to know that they are usually paid by the landlord. However, if you specifically ask an agent to find you a property, you can expect to pay for this service, either a fixed fee or a percentage of the monthly rent. This will typically be between €250 up to a month’s rent.

Online property portals: ?

REDguide.net, thinkSPAIN, Servihabitat, comprarcasa, idealista.com, PROPextra, milanuncios - (Spanish) , tucasa.com (Spanish only), venta de pisos (Spanish only), Nestpick (Furnished Apartments & Rooms (English, Spanish, French, German, Italian)Property descriptions While holiday and short-term lets require a licence, long-term lets don’t. As a result, properties vary in quality and the descriptions vary in accuracy.

Property portals that offer languages other than Spanish sometimes use automatic computer translations, so be sure to confirm that the key features exist when you view the property.

As in many European countries, Spanish properties are typically advertised with a monthly rent and a living space in square metres. The advert should also indicate whether the property is furnished or not. However, as there are no clear standards for this, unfurnished properties may be completely bare, have no kitchen appliances, or include a few pieces of furniture left by the landlord.

Likewise, furnished properties can be either comprehensive, including kitchen items, or very basic – so if you view the property while the previous tenant is still in residence, make sure you’re very clear about which pieces of furniture are staying. One option is to email the estate agent to confirm this, getting the answer in writing.

All properties on long-term lets are required to have an energy efficiency certificate. This will often help you spot houses that will be expensive to heat or which are older, as new properties will typically have a good energy rating.

Applying for a property in Spain Expect to apply to an estate agent for a property and to put down the equivalent of one month’s rent when you do. This is usually rolled into your deposit when the contract and moving in are complete.

You will typically be asked to provide: ?

Evidence of employment or ability to pay rent ?

Tax identification number (if you are working) ?

Passport or ID ?

Personal references. ?

Deposits when renting a Spanish home your

landlord will almost certainly ask for a deposit of one month’s rent before you move in Spanish tenants have the reputation of being bad payers in general, so many Spanish landlords lack trust and may ask for additional guarantees. Here are some examples of what the landlord can ask for: One or more additional payments of rent A bank guarantee. This is an alternative deposit that the bank pays on behalf of the tenant to the landlord in the case of non-payment of the rental instalments A written guarantee from the employer, a kind of certificate in which the employer guarantees the payment of the rent to the landlord if the tenant stops paying Paying the rent in Spain If you fail to pay your rent by the seventh day of the month, the landlord can claim the rent in legal proceedings.

If the amount overdue is less than €2,000, the landlord can go to court to claim it without needing a lawyer. These are short proceedings that take a couple of weeks, after which a legal deed is obtained to execute the claim (executor title). With this title, the landlord can easily claim the overdue payments, but not evict. To evict, a different and complex procedure is required in the courts.

Cost of renting a home in Spain Deposits in Spain should be held by a third party, which then allows for mediation if there’s a dispute at the end of the tenancy.

In addition to the rent, you will be expected to pay for utilities and minor repairs due to wear and tear.

This should be made clear in the contract. Utilities for a two bedroom apartment in Spain are typically around €50–150 per month, depending on energy efficiency, usage and type of utilities. On top of this, there may be annual or monthly fees for maintenance of communal areas and local charges, such as garbage collection.

Tenancy agreements in Spain In Spain, a tenancy agreement (contrato de arrendamiento) is valid whether verbal or written.

Verbal contracts are generally a bad idea, particularly if you don’t speak the language fluently. Instead, insist on having everything in writing so you ensure you fully understand what you’re signing. To break a contract, the lessee must give at least 30 days’ notice before the end date.

As standard, a tenant with a long-term contract (more than one year) has the right to renew annually for three years, unless the landlord states after one year that they intend to occupy the property personally on a given date – two months’ notice must then be given to the tenant. The landlord is permitted to increase the rent if improvements are made, as long as the increase meets certain standards and is less than 20% overall.

Typically, a contract will be for 12 months, renewed annually, and if you give notice to quit during this period, you will have to pay rent until the end of the contract.

The tenant can terminate the rental contract: after six months, respecting a notice period of 30 days, regardless of the duration of the contract If a clause has been inserted in the rental contract stating that the tenant can terminate the contract at any moment, even before six months are up.

The full details of rental law in Spain are provided on the government website (in Spanish).

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GUIDE TO BUYING & RUNNING A BUSINESS Becoming ‘autonomo’ (Self Employed) in Spain and tips on how you can sort out your taxes as a self-employed worker in Spain.

Before starting a business in Spain, think carefully about the implications from a compliance point of view. As setting up a limited company here is timeconsuming and expensive, many people start their business as a self-employed person and set up a limited or SL company once the business is established, so If you decide to become selfemployed, this is what you should expect: Facts about being autonomo in Spain As an autonomo in Spain you will have to pay your social security of around €240 each month. This will allow you to enjoy Spanish national healthcare system and a pension when you retire. You do not need any professional help with registration or reporting responsibilities, but as you will find when talking to any local ex-pats that have gone through the process, dealing with local tax offices, town hall offices, licensing departments and the myriad departments you will become accustomed to waiting in line to meet, you will be well advised to enlist the services of a “gestor” (Advisor) or accountant who can help register you with the hacienda (tax office) to help with compliance and do the quarterly and annual accounts, especially if you do not speak Spanish.

Beware of the smiling face of the British ex-pat “Advisor” or English speaking “Gestor” introduced by your agent or the business vendor as the huge opportunity to earn high commissions and undisclosed fees here is too tempting for some to remain honest when faced with inexperienced, over excited people with heads full of dreams and bags full of money.

Do your homework well, ask many local business owners who they use, for how long and what experience they had enjoyed. Do this before you invest a single penny in your business as who you appoint to help you through the first few years will determine your chance of success more than almost any other factor.

If you are invoicing a company as an autonomo you may have to include Impuesto sobre la Renta de las Personas Físicas (IRPF) of 15%. This means the company you invoice retains the 15% of the tax on your behalf and pays it at the end of the year. You will have to pay the remaining 5%.

As an autonomo in Spain you pay tax and your VAT every quarter. Each quarter you may be required to pay 20% tax on your income (after expenses have been taken into account).

Registration Before you start trading, it is essential that you register with the tax office to inform them that you will be commencing a business activity. This is because any expenses incurred prior to registration will not be tax allowable and as registering with the tax office is a legal requirement, failure to do so can result in a fine.

Registration is done via a census return which informs the tax office of the following: ?

Name, address and identification number ?

Date of commencement of trade ?

Description of business activity ?

Whether your activity is subject to VAT ?

The type of profit calculation and taxation system applicable to your trade (some trades fall within business modules that are taxed at fixed rates regardless of volume of business) ?

Whether you are obliged to present quarterly returns on your profits to date ?

Whether you have business premises, and the address details if so ?

Whether you will be importing or exporting and

wish to be registered on the EU traders list You must also register with the social security office upon commencement of trade as a selfemployed individual and start paying your monthly national insurance contributions.

Do your research!

Many of the frustrations arising when starting in business in Spain are due to a lack of awareness regarding the local compliance system. Make sure you have understood all the aspects that are relevant to your particular trade before you start to minimise problems. If you have any doubts, be sure to consult a professional as this will greatly contribute to your chances of success.

Accounting records As an individual, you are not obliged to maintain records which include a balance sheet. Your minimum obligation is to maintain records of all your sales and business expenses; in a way that meets the required standards. Of course, even though you are not obliged to maintain a balance sheet, you may benefit from it as it will help you manage your business more effectively.

Withholding tax on your sales In some instances, your clients will be obliged to withhold some of your fees to be paid over to the tax office on your behalf as income tax. For example: The standard rate of withholding tax in Spain for professional sole traders is 15%, however, during your first two years you may opt for 7% retention instead. Our advice is that if your profit margins are high and you are have difficulties setting money aside to pay your taxes, it is better to suffer a 15% retention as any balancing payments due will inevitably be lower.

Quarterly obligations As any other business you will need to report to the tax office on a quarterly basis by filing the relevant returns. In addition to the general obligations that apply to all businesses, you may be obliged to file a return disclosing your accumulated profits for the current year.

Income tax payments on account Generally, when a profit has been made, you will need to pay the tax office 20% of these reported profits as a payment on account of your personal income tax. This may come as a surprise if you were used to making payments on account in your home country only twice a year. However, you may appreciate the benefits of this system as you are less likely to face large tax bills on an annual basis.

Year end Once the year has come to an end, you will have to file a personal income tax return. This return will combine all of your sources of income, including your business profits, and all of the tax reliefs you are entitled to as any other resident individual.

When your final tax liability for the year has been ascertained through this process, you will either have to make a balancing payment or request a tax refund.

A balancing payment will arise if your tax liability is greater than any payments on account already made through the system noted above. Bear in mind that the maximum payment on account suffered will have amounted to 20% of your business profits, and that the higher earners in Spain are taxed up to 43%.

A refund may be requested if the withholding tax suffered exceeded your liability once other reliefs, such as mortgage costs, have decreased your taxable base leading to an effective rate of tax below 20%.

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MONEY MANAGEMENT & MORTAGE FINANCE

If you plan to buy property in Spain, read our guide to see what Spanish mortgages are available to expats and how to apply.

There are no restrictions on foreign buyers purchasing property in Spain, but it’s important to be aware of the specifics of Spanish mortgages before buying your own property.

Here, we explain the main things you should consider before applying for a mortgage in Spain.

Should you buy property in Spain?

In the last couple of years, the property market in Spain has finally picked up after a long slump following the financial crash.

In November 2018, house prices increased by 5.6%, and it’s been predicted that the market will remain buoyant in 2019 through to 2020, but there may be a slight stagnation in the middle of 2020.

Spanish mortgage lenders offer an array of mortgage products specifically designed for foreign and expat

on the mortgage type.

The good news is that it may be possible to borrow significantly more of the property’s value – up to 100% in some cases – when buying a bank’s repossessed property in Spain.

Some banks might only be willing to provide a mortgage to foreign buyers for their own listings. In this case, your options for getting a mortgage may be tied to a particular property.

In some cases, the mortgage you get may be based on the bank assessor’s valuation of the property rather than the price you’re paying for it. Thus, if an assessor valued your property at €125,000, you could traditionally borrow up to €87,500, even if your purchase price was only €100,000.

Spanish mortgage calculators Most Spanish mortgages are variable rates linked to the yearly Euribor (European inter-bank offered rate) plus a margin.

For example, with Euribor at -0.37% at the start of 2019, and variable-rate mortgage rates ranging from 1.8–3%, you could theoretically pay just 1.43%.

Many lenders also offer fixed-rate mortgages, which range from 2.4–3%, depending on the loan term.

Cost of getting a Spanish mortgage If using a Spanish mortgage lender, you should allow up to 10-15% of the total purchase amount for various transaction costs.

Thus, if your property is valued at €120,000 and you can borrow 70% of this amount, you will need to have a €36,000 down payment plus up to €1,760 in savings.

Typical closing costs include transfer and stamp taxes (explained below), the bank’s arrangement fee and opening fee, a notary fee and registry fee, and a bank assessor’s fee.

Property transfers in Spain are done through public deeds of purchase, which must be certified by a notary. The sale is not official until the notario signs using his firma protocolizada, for which fees apply. As soon as the notary certifies that all the documents are in order, the deed is ready for investors, and the government operates a special taxes. visa-and-property scheme.

If you’re buying in Spain, you’ll need to think long-term, Taxes on Spanish property purchases as Spain’s capital gains tax can offset any benefits of Residential properties are subject to various Spanish buying for short-term investors. taxes, which are all paid by the buyer. Transfer tax is Additionally, buyers need to factor in property up to 10% of the purchase price, depending on the transaction costs of around 10–15% of the property’s property’s location. For example, transfer tax in value. Even if house prices rise, it is still likely that you’ll Madrid is set at 6.1%, but in Catalonia and Valencia need a minimum of three to five years to offset you’ll pay the highest rate of 10%.

The stamp tax also varies by location and ranges Spain’s golden visa for international property between 0.5–1.5% of the purchase price. Sometimes buyers the buyer pays the seller’s plusvlia tax, which will vary During the market downturn, the Spanish government based on the seller’s tenure in the transferred moved to welcome foreign investment in real estate. property.

This means that under certain conditions – including a These fees are typically included in the mortgage minimum investment level which can be spread closing costs, though they may need to be paid among several properties – investors can receive a directly to one or more taxing authorities.

Spanish residency permit.

The golden visa allows qualifying individuals to reside Property insurance in Spain in Spain and travel throughout the EU, though it does All Spanish residential property owners are legally not allow for work or grant access to state benefits. obligated to have home insurance to cover the value Golden visas require an investment of at least of the property. Life insurance is not mandatory but €500,000 (without financing). many lenders require borrowers to take out life A Spanish consulate in your home country will be able insurance policies sufficient to pay off the to provide information about getting a Spanish golden outstanding mortgage balance. visa.

You may also want to consider getting mortgage insurance, which would protect you if you can’t make Types of Spanish mortgages mortgage payments. Having an active life insurance Spain offers the usual types of mortgages, with policy and a mortgage insurance policy before additional expat-focused Spanish mortgages offered applying for a mortgage may even provide access to by international banks and Spanish banks. better interest rates.

Many Spanish mortgages have no restrictions on purchase price or nationality, though some products Tax considerations and deductions in Spain favor buyers from specific countries, or buying Non-residents of Spain are liable to pay Spanish property in certain regions. income tax and a potential tax on Spanish assets. If The biggest difference between residential and non- you spend more than 183 days in Spain, however, residential loans is the maximum loan-to-value (LTV) you may be considered a resident for tax purposes. that banks will allow. Residents can generally borrow This will expose you to pay 19–21% tax on capital up to 80% of the property’s assessed value whereas gains (if you sell your property). non-residents are limited to 60–70% LTV, depending

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MORTGAGE

You may also be subject to pay wealth taxes on your worldwide assets. If your assets are greater than €2m you can be required to pay a tax of up to 2.5% of your total worldwide asset value.

In addition to taxing rental property income, Spain also levies a property tax between 1% and 2% of the property’s value per year, depending on location. You may also be subject to a special assessment of 3% per year for the right to own property in Spain.

underwriters have processed everything, the bank will make you a mortgage offer. This may not be the bank’s best offer, so don’t be afraid to take it to a competitor. Often the competitor will try to provide you a better offer – which you can then take to the original bank to see if they are willing to improve their original offer.

The good news, however, is that Spain allows for deducting mortgage interest, repairs, maintenance, leasing fees, and up to 3% depreciation of the purchase price of a home.

Before applying for a Spanish mortgage Before applying for a Spanish mortgage, you will need a Número de Identificación de Extranjeros (NIE) – an identification number for foreigners.

This number is similar to a US Social Security number or a British National Insurance number. You cannot purchase property or get a mortgage in Spain without an NIE. If you’re in Spain, you can start the NIE application process at any local police station. Outside of Spain, the best way to apply for an NIE is to contact your local Spanish consulate.

When applying for an NIE, you will need the following documents: A completed EX-15 form Supporting document(s) to show why you need an NIE Copy of your passport pages and original passport Two passport-sized photos €9–€12 fee to submit tax form 790 How to apply for Spanish mortgages

Most of the larger Spanish banks offer mortgages to non-residents, most notably Banco Santander Central Hispano, Banco Bilbao Vizcaya Argentaria (BBVA) and CaixaBank. You can also secure a mortgage through an international bank such as Chase or IMS. When applying for a mortgage for Spanish property, the best advice is to start early and shop around. While the official mortgage process can only start after a sales agreement has been reached, it is both possible and advisable to start developing your mortgage concurrent with your real estate shopping.

There are many financial products available for nonresidents, and the terms of any specific product may place limits on which properties you can qualify to purchase.

Documents to apply for a Spanish mortgage Whether you go through a Spanish or an international mortgage lender, you will need – at a minimum – the following items: ?

NIE number ?

Proof of employment or income ?

A pre-agreement with the seller ?

Proof that the property tax is paid to date ?

Details of your current debts and mortgages ?

Copies of ALL your existing property deeds ?

Records of your current assets ?

Any prenuptial agreements (if applicable).

Once you submit your completed file to the bank and the

Extra costs of applying for a mortgage While you don’t need to specifically pay to get a mortgage offer, advice or consultation, you may need to pay for a property appraisal, local attorney or Spanish translator (one who does not work for the mortgage lender).

These can help you avoid being misled or pressured by highly motivated sellers who may be willing to take advantage of non-resident buyers.

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KITCHENS, BATHROOMS & BEDROOMS

12 Simple Ways to cut the cost of your new Kitchen How much does a new kitchen cost? Can you cut back your budget but still create the kitchen of your dreams? Sure you can with our expert tips...

Wondering how much will your new kitchen cost? You've spent hours on Pinterest creating board after board of inspiration, you've been to every kitchen show room in the country, you've meticulously planned exactly what you want then you receive the final quote. Turns out unless you want remortgage your house or never go on holiday again, you are going to need to cut some costs...

But that doesn't necessarily mean you can't include many of the new features you've dreamt of, with a little clever planning. And, it’s important to remember that wanting the best value for your money doesn’t mean opting for cheap alternatives that you’ll be unhappy with in the long run. It simply means making sure every penny of your budget goes towards a kitchen you’ll be happy with.

Use this advice to spend your kitchen budget wisely and make your new kitchen cost match your expectations.

How much does a new kitchen cost?

A new kitchen cost can be as low as €3,000 upwards; for that, you'll need to shop smartly at a DIY store or Ikea for good quality units. This won't, however, include the cost of kitchen worktops, which will be upwards of €100,or appliances and fitting which is going to add a couple thousand to even the tightest budget.

1. Reuse materials to cut a new kitchen's cost ‘Most kitchen renovations start with the old kitchen going in a skip, but if you want to keep new kitchen costs to a minimum, think about what’s saveable,’ says experienced renovator Jason Orme.‘In many cases the carcasses can be reused and, with a bit of work and new doors, will look as good as new. Worktops – particularly if they are solid granite or quartz – can be recut, saving you hundreds of Euros. ’If you have too few units, you may be able to buy more, or opt to use them on just one wall. Alternatively, consider using old units if you are planning a utility room.

2. Reduce wastage to reduce new kitchen costs Just because your old kitchen is no longer to your taste, doesn’t mean it is scrap. If you’re not reusing existing materials such as floorboards, doors, radiators and units, they can be sold. Try Ebay, Gumtree or contact your local reclamation yard.Reducing wastage will also reduce costs for skip hire and disposal. Bear in mind, too, that you can dispose of waste at your local council tip for free, whereas tradespeople will have to pay.

3. Pick expensive fittings selectively to cut new kitchen costs If you can’t afford to fit out your whole kitchen with bespoke units, consider commissioning just a central feature, such as a statement kitchen island, and make up the rest of the kitchen using standard, basic-quality units to cut new kitchen costs. The same for worktops – use granite or similar for the island and then cheaper timber or laminate elsewhere.

4. Rethink existing kitchen space Remodelling and reusing existing space can solve many of the frustrations you have with your inherited kitchen. ‘Modern requirements for utility rooms, drying rooms and even larders can often be satisfied by making use of what’s already there. The obvious merging of a dining and kitchen area by knocking through could easily add two metres of space for a walk-in larder or utility room, for instance. This takes the pressure off the new kitchen when it comes to kitchen storage and usability, reducing new kitchen costs and minimising disruption.

5. Reduce structural alterations in a new kitchen If you do not need to extend, then linking the old and new spaces so they flow seamlessly is not something to compromise on, but costs can often be reduced through value engineering. For instance, retaining part of the existing walls or introducing a steel or concrete column can shorten spans and reduce the size and cost of the steel beams required. And it’s better value to add a square-shaped extension with a simple pitched roof, instead of adding complicated curves.

6. Choose end-of-line kitchens to cut new kitchen costs No one will ever know if your kitchen once stood in a showroom and you paid a bargain ex-display price. If you’re extending, there may even be scope to design your space to suit an ex-display kitchen – and if you’re not, then the company will usually be able to add/remove a few units to make the kitchen work in your space. End-of-line appliances, sourced online via specialist distributors, can also be real bargains.

7. Avoid moving utility (Electricity, Gas & Wateer) meters and services Unless it is an essential to radically alter the orientation or usability of a kitchen, try to keep the sink, dishwasher and cooker in the same position if costs are an issue. That way, you’ll be minimising the amount of additional electrical, gas and plumbing work that is needed to realise the new design – and save hundreds of pounds into the process. And, if you can, avoid having to move your gas and electricity meters, as they cost €1,000-€1,300 each to relocate.

8. Shop smarter to cut new kitchen costs It can be all too tempting to fall in love with a beautiful showroom kitchen without checking that it offers the best value for money. The more you can plan ahead, the more chance you’ll have to shop around. The cost of kitchen units, worktops, doors, taps, sinks and cooker hoods varies wildly and if you can wait for sales and spend time researching prices you can save €1,000s on the total cost. Consider shopping with online-only retailers, which don’t have the same overheads as companies with showrooms and can therefore keep costs down, but always check reviews and ask to see samples of everything before you order. Or, go for a ready-to-paint kitchen and paint the kitchen cabinets yourself to save money.

Alternatively, if your kitchen carcasses are sound, shop around for door-only options.

9. Fit the kitchen yourself Installation of the kitchen itself can be a key contributor to cost – typically installers estimate €50 per 60cm element, plus extras, meaning a typical kitchen can easily cost €1,500 to €2,000 to install. You can cut this cost by installing the units and doors yourself from flatpack, which any medium-skill DIYer should be able to manage. It’s also relatively easy to tile walls using online tutorials as a guide. But always leave worktops, electrical and plumbing elements to professionals.

10. Upgrade a cheap kitchen carcass A recent trend in the world of kitchens, and definitely one that helps make a new kitchen cost less is upscaling cheap kitchen carcasses from places like Ikea to give them a more expensive, bespoke look. Companies like Plykea and Husk make doors, drawers, worktops and more to fit Ikea's kitchen cabinets, but will give a kitchen more of a handmade look.

It's really easy too. Simply design your dream scheme using the handy Ikea Kitchen Planner Tool, then send to your upscaling company of choice with your pick of doors, drawer fronts, cover panel facades and worktops, and they will do the rest. All the fronts arrive complete with pre-drilled holes, and fixing holes that make them as easy to assemble as the rest of your flat-pack kitchen.

11. Mix vintage freestanding furniture with a new fitted kitchen So you've had you heart set on a built in, bespoke pantry cupboard or a gorgeous (but way too pricey) Welsh dresser – instead of blowing half your budget on one piece, cut the costs of your new kitchen by buying them second hand. You'll find some gorgeous, cheaper, pieces on places like eBay, Etsy, even Facebook Marketplace has some gems. Plus, we love the look of a few unique, freestanding pieces mixed into a new kitchen; it works particularly well if you are after that rustic, farmhouse kitchen look.

12. Choose who to work with wisely Finding the right companies and tradespeople to work with could save you thousands, with even the same kitchen varying in cost from different builders. Most kitchens come in set styles – for instance, Shaker or handleless units – so, once you’ve chosen the look you want, get quotes from at least three different kitchen companies or fitters to ensure you're getting the best deal.

Remember, the cheapest may not be the best if not all of your requirements are met. Follow the same process with plumbers, electricians, tilers and, if needed, installers, to ensure best value for money. Always ask for references from past clients and, if possible, visit homes where they have completed similar work. Finally, always get a written, itemised quotation so you know exactly what you will be paying. We hope some of these tips help you save your hard earned €

At Novococinas assembly and design your future kitchen is provided by our own experience and qualified staff to suit your taste and needs. All our kitchen's building stages are managed for, from computer based personalised design to final assembly. With “Floor plan” we help you to visualized your desired kitchen making sure you get the best value for money. We even help you find ways to maximize the space provided: no stone is left unturned.

We can guaranty thanks to our extensive and diverse catalog including materials, decorations to white goods that you will find your ideal kitchen... the posibilites are endless.

Why not drop by or contact us?, we, at Novococinas, will be more than happy to advise you.

Computer designs and advisory service No obligation quote in 24 hours

Cocinas de diseño, Design Kitchens. C/ Del Nacimiento, 1

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29631, Arroyo de la Miel (Málaga)

5 year warranty and financing possibility

Tlf.: 952 576 521 - Fax: 952 576 281

info@novococinas.com

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SHOPPING

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C/ Alcalde Antonio Garcia Edf. 3C - Local 7 - 29631 Arroyo de la Miel, Benalmadena

Before After

DOMESTIC APPLIANCES

Moscatel 17, Local 3, Pol. Industrial Arroyo de la Miel 29631 Benalmadena (Malaga) Telf: +34 952 578 398

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CONSTRUCTION & RENOVATIONS

COSTA DEL SOL HOUSING BOOM Malaga is the fifth “most important” real estate market in Spain, situated in privileged positions both in terms of the purchase and sale of homes and in the signing of mortgages.

fully translated into operations, so there is still a clear excess of land to develop and even already urbanized.

The large developments in towns such as Estepona, Fuengirola and Mijas are, in part, pushed by “the braking” of new projects in Marbella, after the suspension of the General Urban Development Plan (PGOU) by the Supreme Court.

Who or who leads the projects? They are driven by myriad promoters and foreign funds, also by local companies with their own funds or associated with other investors.

The Costa del Sol is attractive to many different investors due to infrastructure, communications and renewed stability in recent years as the local and regional authorities have battled to put the management and legal problems behind them.

Banks are once again supporting development, albeit prudently, with more liquidity for promotors and also funds for purchasers to facilitate completions. For the first time in seven years financial institutions are open to financing promotions provided that the land is owned by the promoter and there is a good volume of pre-sales.

Many international clients have become very interested in buying on the Costa del Sol, especially from northern and eastern Europe, reducing the reliance on buyers from the UK and Spain.

The Scandinavians (Swedes, Finns and Norwegians) have taken the lead and are leading the purchases of houses on the coast of Malaga, and they are interested in both new construction and resales thus feeding investment to both ends of the spectrum which can only be good for agents and vendors by adding to the urgency for all purchasers to commit to the investment decision through Fear Of Missing Out (FOMO).

And it is estimated that, in the short term, the good figures will continue throughout 2019 and 2020 with “sustained growth”.

This is how forceful the experts’ forecast is, but we are going to break down all the details of this statement; some aspects will have to be taken into account.

More than 200 new construction projects on the Costa del Sol and around 11,000 new homes for sale shows real confidence in the growth of our Real Estate market in the aftermath of the devastating global crash in both property and financial markets.

Malaga, Marbella, Fuengirola, Mijas, Estepona and Benalmádena lead the way in number of recently completed transactions throughout the Andalusian coast. This confidence is also reflected in the large number of residential projects that are being developed in the Malaga coastal market which will be delivered in the coming years, bringing both jobs and investment to the whole area.

They are also reactivating works that had been paralyzed after the crisis, as is the case of a promotion of 150 homes in Mijas and another 80 in Fuengirola.

New developments have also been started in Mijas Golf, La Cala de Mijas and Benalmádena. In this area, with respect to the land, feasibility studies are being carried out and prices are being tested which are not Here’s to a great 2020 Vision for our town and region.

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List your property FREE at: www.REDguide.NET FEATURE: SERVICES

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DENTAL CLINIC

SERVICES

Clinica DentalPaloma Cabello C/ Alcalde Antonio Garcia Edf. 3C - Local 7 29631 Arroyo de la Miel, Benalmadena

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DRAIN SERVICES Throughout the coast - Movil: 651 1110 005,Tel:+34951 310 111

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FIRE SAFETY INCOTEX FIRE SAFETY Calle Cesar Vallejo, 22 Malaga 29004 Phone: 952 243 103 / 952 056 734

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PARKING

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SECURITY CAMERAS ONLY AS GOOD AS THE IMAGE CAPTURED

CLEAR IMAGES ARE NOW AFFORDABLE New location, new solutions WITH more than 16 years of experience in Spain, EuroSat Solutions who have a brand new showroom in Torreblanca are experts in supplying a range of TV and internet services.

The company goes out of its way to discover innovative and inexpensive solutions to a whole number of problems and have some exceptional deals, especially if you want to keep abreast of what’s on UK TV. As modern technology expands, they are now able to offer a range of There is a need for surveillance cameras to film IPTV and HD boxes supported by the latest VPN system so that you with clear images in a variety of environments.

Sony's image sensors meet this need by providing can watch your favourite TV programmes whenever you want and in high-sensitivity performance suitable for night filming some cases with catch up facilities or streaming to additional televisions or laptops.

A relatively new area of business, which is becoming increasingly more popular, is the supply of pay as you go mobile phones and chips which are much cheaper and come with far less bureaucracy than those supplied by most of the Spanish mobile companies.

With packages starting at less than €10 per month and actual phones from the incredibly low price of €25 upwards, there is no need to be stuck with long contracts and these are ideal options for those who don’t use their phones a great deal or are just visiting for a few weeks.

As if this wasn’t enough, the company is also sourcing different useful, innovative and sensibly priced gadgets which can improve security and also just make day to day living that little bit easier.

Latest offers include the Sony Starvis security camera which will film clear images in a variety of environments and unlike many security cameras, the Sony image sensors provide high-sensitivity performance suitable for night filming so that you get a clear picture rather than an indistinct image. Naturally, EuroSat Solutions technicians are available to not only install the camera but also explain all of its uses; installation is simple and can be arranged by their qualified technicians who cover the area from Malaga City to Estepona and even further as well as inland.

This is an ideal option for business as well as home security.

Other useful products include a solar powered charger, really bright portable and Bluetooth speakers, a credit card sized phone or even a child’s watch with an inbuilt GPS to allow tracking.

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For more information about the great service and superb offers available, drop in to the showroom visit the company website at www.eurosatuktv.com, their Facebook page or call Chris or Peter on 952 661 456 or 952 661 956 between 10am and 5pm Monday to Friday to discuss how they can help.

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TRANSPORT, REMOVALS & STORAGE

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