Buy your Spanish property easily and safely!

Best Partners deals in Spain

Real estate partners

We help foreigners to find their dream homes.

We have built over the years a network of local independent property hunters, working only for the buyers, in Spain: Madrid, Barcelona, Valencia, Malaga, Girona, Alicante,… to give a few of the most active cities of our property shoppers. Have a look at a few of them here on our partner page.

Read all our news about our property finders in Spain here.

ASK for a contact with one of our local property hunter, we cover nearly all the regions: Barcelona, Madrid, Tenerife, Tarragona, Malaga, Marbella, Valencia,… Just ask us!

 

If you want to build in Spain, we have met a terrific architect working all over Spain with his team. He is even developing projects outside Spain in Russia, Europe and Asia while being cost competitive.

Read all our news about our architects in Spain.

ASK for a contact with one of our local architect.

Click on the picture and fill our form, if you want to get in touch with our local experts.

Property Lawyer

To buy a property in Spain is easy but it is always better to get the paperwork checked by our local partners. Read our main paper on that: Why do you need independent legal and tax partners for your property acquisition in Spain?

Of course, if you want to buy a property in Spain, you need an NIE, read our article on that: “How to get your Spanish NIE?“. If you don’t have the time, your lawyer will take care of that, no problem.

We have built over the years a network of local lawyers offices speaking the languages of the buyers and based in Spain: Madrid, Barcelona, Valencia, Malaga, AlicanteMurcia, Torrevieja, Javea, Calpe… If you want to get in touch with one of our legal experts, click on the picture and submit the form, we will put you directly in touch with them.

Find your property lawyer anywhere in Spain thanks to our network.

Read all our news from our Spanish Legal and Tax partners.

Tax partners

Before buying your property in Spain, you should check the tax issues involved with it. You can buy on your name… you can create a company… you can buy it with Usufruct and Bare ownership for your children?

Depending on what your objectives are: investment or pleasure only? Those objectives will as well have an impact on the solution you will choose.

Finally, once you bought your property, you will have to file tax forms in Spain.

We have built over the years a network of local tax advisers speaking the languages of the buyers and based in Spain: Madrid, Barcelona, Valencia, Malaga, AlicanteMurcia, Torrevieja, Javea, Calpe… If you want to get in touch with one of our legal experts, click on the picture and submit the form, we will put you directly in touch with them.

Find your property tax adviser anywhere in Spain thanks to our network.

Read all our news from our Spanish Legal and Tax partners.

Find your Tax advisor in Spain

Mortgage Financing

 

Get the best mortgage offer available on the market right now!

Directly from our Mortgage partner: one of the most active mortgage brokers in Spain.

Thanks to our strong customer requests, our mortgage partner is very happy to work with us and to provide you with the best mortgage offers available on the market right now for both foreigners and Spaniards.

 

It’s a win-win for everybody:

  1. We get a lot of demands from qualitative prospects: the Spanish banks love your profiles.
  2. Our partner is one of the biggest mortgage broker established in Spain.
  3. Our partner compares mortgage quotes from the most aggressive banks in Spain continuously.

 

 A quick presentation of our mortgage partner and why they will get the best rates for you:
The first reason: you are part of our HowtobuyinSpain network.

 

Why did we decide to partner with them?

Major banks tell them they are their leading introducer of mortgage business in terms of the quantity and quality of client profiles they submit – they are the leading independent mortgage broker in Spain. The number of their clients defaulting on their mortgages is very low compared to other introducers. For these reasons, our clients are given priority treatment and offered better conditions.

They have direct lines of communication with members of the board of directors at several of the largest banks and have been invited to discuss market trends and offer their opinions on what products should be offered to clients for the lenders to gain a competitive edge over their rivals. This involvement has allowed them to negotiate the best conditions for our clients that are not available to clients who visit branches independently or who are referred to banks by other mortgage brokers or estate agents.

They  offer our customers the following

Fully independent advice

They can offer you products from all the leading banks in Spain (including all international banks) and will endeavour to find the right mortgage product for you from the most suitable lender. They are not tied to any particular bank and we often apply to several banks simultaneously to achieve the best conditions. They work with many different collaborators in the industry (estate agents, lawyers, foreign exchange specialists, building surveyors, etc.) whilst remaining fully independent and adhering to the strictest rules on client confidentiality.

Money Back Guarantee

If you decide to proceed with a formal application following receipt of a mortgage proposal, They will ask you to pay an Administration Fee of €495. This fee comes with a money back guarantee, so if their recommended bank declines the mortgage and they are unable to find a suitable alternative product, They refund this fee (please refer to their Terms and Conditions).

They are an SL company based in Spain

They are an SL company based in Spain. This gives them a distinct advantage over their competitors who are not based here, one being that some banks will only deal with mortgage brokers/intermediaries who are SL registered. They know the Spanish banking procedures inside out and they have regular meetings with bank representatives at the highest levels. In addition, the fact they are based on the mainland actually gives them better access to head offices in Barcelona and Madrid and they have found that this gives an additional advantage when dealing with mortgages for the islands (the Balearics and the Canaries). They can offer conditions that are not available locally or via regional credit committees.

Initial advice with no obligation

There is no initial charge for simply discussing your situation with them. Most enquiries will lead to them sending a mortgage quote outlining a potential mortgage for you. If you decide not to proceed after receipt of this quote, there is still no fee to pay.

Quotes within 48 hours

From the initial enquiry, They aim to issue a mortgage proposal within 48 hours. All information you provide will be treated as strictly private and confidential. Their aim is to provide you with a fast and efficient service from start to finish. In Spain, this is largely dependent on the quality of contacts within the banks and this an area in which they excel.

Professionally qualified advisers

They have mortgage advisers that are fully qualified at FPC and MAQ. They are members of the Chartered Insurance Institute and Personal Finance Society, which is a compulsory examination for UK-based mortgage advisers to act on behalf of clients.
Although they cannot subscribe to the UK Mortgage Code here in Spain, they do still adhere to the principles of this code, as they believe in conducting business in a professional manner and being held accountable for their advice.
Several major banks have commented that they are the only company that has advisers who are qualified to advise in both the UK and Spain. With one of the largest banks in Spain, this has resulted in them being one of only a handful of officially recognised collaborators.

Competitive charges

Their fees are very competitive and they monitor their competitors’ fees continuously to ensure they remain so. They charge a fee at the outset, which the banks prefer as they know that our clients are serious when they receive their applications. They also have a Money Back Guarantee, as explained above. They believe they offer the best quality advice and the lowest charges.

Additional recommendations

They assist you with the mortgage process from start to finish and they work closely with other advisers you appoint to help you with your property purchase. Naturally, over time they have built up an extensive network of trusted collaborators. They have a tried and tested panel of reputable lawyers, foreign exchange contacts, independent financial advisers and structural surveyors who they can recommend if you wish to build a quality team of professional advisers to deal with the relevant aspects of your purchase. In our view, the team you appoint is crucial to ensuring the process is as smooth as it can be and any issues that arise are overcome quickly and efficiently.

Get your free quote without obligation now.

Insurance

 

Why should you subscribe to home insurance?

In Spain, it’s not an obligation to subscribe to home insurance for the tenant. However, it is strongly recommended because no one’s safe from something unexpected, like; burglarly, fire/water damage, natural disaster… To the owner, having insurance is an obligation if the property is mortgaged.

In these situations, your home insurance will cover the damage to your personal property: furniture, electronics, jewellery, clothing and other sentimental items. As well as damage to your real estate: walls (for example: water damages on the parquet…) roof, ceiling, doors, and windows…

The civil liability guarantee is fundamental because it protects you and your family from any material or immaterial damage caused to a third party. Civil liability covers the acts of your daily life inside and outside your home, for example: if a flowerpot falls off the balcony and hurts someone, if you hurt someone on the street with your bike, and if your child breaks a neighbour’s window while playing… As well the damage caused by the third-party to you home (like fire/water damage, and explosion…etc). The amount insured by this guarantee depends on each contract (usually between 150.000 and 300.000 €), if you don’t have home insurance you must pay the costs of compensation, that’s the reason why it’s strongly recommended to be insured!

 

Get your free insurance quote without obligation now.

Currency transfer partner

For all the foreigners looking to buy with non-Euro currencies as Sterling, American Dollar, Canadian Dollar, Shekel, Yuan, Ruble, Swedish Krona, Norwegian Krone and other Asian currencies,… when you are buying a property in Euros, you will need to exchange your currency into Euros and transfer the money to buy your property. Most of the time, this involves huge bank costs: up to 5% and mostly close to 3%.

We found the most cost-efficient way to convert your home currency and wire your funds to Spain with currencytransfer.

 

How does it work in practice?

  1. Open your free account on Currencytransfer.com and mention HTBIS code in the field “Where did you hear about us” to get the best rates,
  2. Lock an exchange rate between your local currency and Euro (or instruct a threshold exchange rate to be traded later)
  3. Wire the funds in your local currency on your segregated account at a top-tier bank
  4. Receive the funds in Euro on your account in Spain, on the account of your lawyer,…


Read our article How to pay in £,$,¥ Pounds, Dollars, Francs, Yuan for my Spanish property? to have a full description of how it works.

Here is our currency table with the long-term currency evolutions against the Euro.

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B & B Advisor

Our B&B advisor, Patrick, created and managed his own B&B in Spain for 8 years. He knows the ins and the outs of that business.

Patrick has a degree in Applied Economics and a master in International Politics. With a financial background, he lived for 8 years in Spain, setting up from scratch and managing a charming B&B. The B&B is still running today.

His expertise covers all the Spanish coastal regions.

Languages: Dutch, French, English, Spanish & Catalan

Read all the articles of Patrick and learn how to start a B&B in Spain. Ask him for an advice here

 

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Learn to Speak Spanish with Babbel

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We are very pleased to partner with one of the best online Spanish learning method: Babbel. Babbel has more than 1 m customers for its languages lessons.

It is easy and it is convenient for any learning level.

The biggest advantage of Babbel is that every language a user decides to learn is tailored for the language from which he/she is learning as our experts know that learning Spanish for English speaker is different from learning Spanish for French speaker for example. So taking all the specifics into the account our didactics team develops languages.
Babbel lessons are on average 15 minutes long, so even people with the very busy schedule can fit language learning in their lives.

Babbel currently has 13 languages to learn for English-speakers:
Spanish, German, Italian, French, Portuguese, Swedish, Polish, Russian, Turkish, Norwegian, Dutch, Danish, Indonesian

 

Take TODAY your first free lesson and check your Spanish level in a few minutes. Right after that you will get interesting offers to learn Spanish.

Learn Spanish with these Spanish courses from Babbel

Babbel offers various Spanish courses according to your level and interests. Choose and let Babbel guide you through one or many of the following: Grammar, vocabulary, pronunciation, advanced courses.

 

  • Beginner’s Courses

You can get an easy introduction to Spanish or just consolidate your basic knowledge with the beginner’s course. Following the course step-by-step you can quickly gain an understanding of the most important ideas, and you can learn up to Level A2 of the Common European Framework of Reference for Languages.

  • Intermediate Courses

Here are some courses to refresh and improve your basic skills. With these in-depth courses you’ll practise intensive listening, speaking, reading and writing at the B1 level of the Common European Framework of Reference for Languages.

  • Spanish Grammar

Grammar practice in easy, understandable steps. Drills and exercises with clear and concrete examples.

  • Listening and Speaking

Here you’ll find courses which will help you to focus on your listening and speaking skills.

  • Countries and Traditions

In these courses, you won’t just learn the language, but also about the countries in which Spanish is spoken and their traditions.

  • Specials

Are you looking for something special? Here you will find courses where you can learn idioms and practise numbers.

  • Words and Sentences

Improve and train your vocabulary with over 3000 words and example sentences as well as 1000 additional useful sentences you can use in everyday life.

  • Spanish pronunciation

With the integrated speech recognition tool you can test and practice your pronunciation. It works directly in the browser. You will only need a microphone and the latest Flash-Player.

  • Learn Spanish Vocabulary

Learn online grammar, vocabulary and phrases, practice in optimal intervals: At Babbel, you’ll get the basic and advanced vocabulary for Spanish. The Review Manager makes sure that you’ll exercise the vocabulary and grammar rules that were hard for you.

  • iPhone and Android app

You can use the Spanish iPhone app together with the Babbel website. Your learning progress will be synchronized between them, so you can learn and review anywhere, anytime.

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Holiday partner

Best Golf Club rental deals

320x50Euro

We discovered this terrific solution for the golfers we are, so we couldn’t resist to share it with you.

As a golfer you have two choices:

1. Pay your Airlines fees for your golf equipment and carry your bag:

Aer Berlin € 140 return
Aer Lingus € 80 return
Easy Jet € 60 return
Virgin Atlantic € 145 return
Flybe € 60 return
British Airways € 140 return
FlyMonarch € 60 return
Jet2 € 74 return
Ryanair € 60 return
Thomsonfly € 45 return
Lufthansa € 75 return
Eurowing € 100 return
SAS € 54 return
Finnair € 60 return
Vueling € 90 return

 

2. or pay less and rent brand new clubs in Spain…

  • No need to pay the ever-increasing carriage costs imposed by international airlines
  • No need to pay additional baggage fees to your taxi getting you to and from the airport
  • No need to pack your clubs into a golf bag cover which is hard to fit in the boot of your car
  • No need to worry that your clubs could get lost or damaged
  • No need to drag your clubs to and from oversize baggage
  • Enjoy the convenience of collecting your clubs at your airport of choice
  • Enjoy the latest clubs to market from leading manufacturers
  • All clubs are packed in a perfectly sized bag which fit into the boot of an economy sized car
  • Enjoy the latest golf technology available from the leading golf brands
  • The perfect opportunity to test that set of clubs you were thinking of purchasing
  • Improve your carbon footprint by not putting your clubs in the hold of the aircraft
  • Enjoy the best range of clubs at the best prices available in the marketplace

 

Why not try your new set before buying it for real?

We found it so good that we wanted to show you this unique deal.

Clubstohire has many shops at all the biggest Spanish airports: Malaga, Palma de Majorca, Alicante Tenerife, Gran Canaria, Costa Dorada, Murcia, Girona,… and at some international airports.

Book with us, you’ll have the prefered treatment members of our network deserve.

 

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Best Car rental deals

We are proud to be a partner of Auto Europe. Auto Europe aggregates all the best deals from all the rental car companies in Europe. Book from the HowtobuyinSpain.com to benefit right away from the best car rental deals from Auto Europe, our car rental partner.

Why Book With Auto Europe?

At Auto Europe, we understand how vital it is to have a seamless and peaceful holiday, to have long-lasting and happy memories. We do our best to ensure your trip won’t be marred by any unwanted hiccups. With this in mind, we have created our page to ensure your car rental goes smoothly from the time you start searching for your vehicle, through to booking and picking up the car. All our team is dedicated to assisting you at every stage of your trip so that you can travel with peace of mind and make the most of your travels. We do all the rest!

We pride ourselves in the unparalleled experience of having provided worldwide car rental services for over 60 years. Thanks to our highly efficient team, we take responsibility for your travels and have grown to the world’s most trusted car rental brand.

COMPARE PRICES, CHECK BRANDS’ RATINGS & FIND THE BEST DEAL
Auto Europe Car Hire Company Partners

Partners You Can Trust

Auto Europe is at a distinct advantage because we work with trusted vehicle suppliers – companies we have partnered long-term to facilitate our customers with the best service available. On our booking engine, you have the possibility to compare rates between our suppliers and check their ratings based on customer experience. Feel invited to click through our page to find the best deal and should you have any questions, pick up the phone and call our reservations specialists who will assist you with any of your queries.

Best Price Guarantee

Searching for the lowest car hire rate online is good, telling us that you have found a better deal than ours is better. We will beat the price and offer you an even better rate. Thanks to a fee cancellation policy (up to 48 hours before the pick-up) you can safely book your car today.

ALWAYS THERE FOR YOU, WHEREVER AND WHENEVER YOU NEED US
Expert Reservation Specialists

Our dedicated team helps you arrange car hire in over 20,000 destinations worldwide for any occasions, be it a business trip, romantic getaway or a family holiday. Tell us where you’re going and what car category you need and we will arrange it for you at the best price available.

7 Days-a-Week Service Infoline

We are here to assist you at any stage of your trip, before, during and after your journey. Trust us to find you the best deal; our agents will book a car for you and will stay available throughout the duration of your trip. Should you need directions to the rental desk, get a flat tyre or need advice on crossing a country border – we are always here to help.

Over 20,000 Pick-up Locations Worldwide

With our vast selection of pick-up locations in over 20,000 destinations worldwide, at Auto Europe, you are in the best hands to get your car wherever your journey takes you. No matter where you’re going, we are here to find a car for you!

Boltia 4G Wifi for the full family in Spain

 

How does it work?

1/ Order your system online a few weeks before your departure.

2/ Get delivery at home

3/ Enjoy your holidays in Spain with 4G DATA EVERYWHERE IN SPAIN: at the beach, at the hotel, in the car,… for the full family and all your friends

4/ Send your wifi router back in the prepaid envelope before leaving Spain.

 

Why chose Boltia? What are the advantages of Boltia?

  • Mobility: Wide coverage (4G LTE / 3G).
  • Easy-to-use device: Without installation. Ships to your home.
  • Security: WPA2 Encrypted password.
  • Price: Up to 48% cheaper than an ADSL service
  • Flexibility: Up to 10 or 30 devices connected (depending on the device).
  • High-speed Internet, without extra fees.
  • Outside home connection.
  • Added value in case of house rental.
  • Without roaming charges for foreigners.
  • Use any Internet app (WhatsApp, Skype..)

Book now and get 5% discount in addition to those aggressive prices if you add the HTBIS code to your order.

 

Technical Specifications

  • Mobile WiFi router 4G LTE cat.4
  • Connections: LTE/DC-HSPA+/HSPA+/HSPA/UMTS/EDGE/GPRS/GSM
  • Velocity: FDD LTE Cat4:150/50Mbps @20M BW HSPA+ 42/5.76,21/5.76 Mbps HSPA:14/5.76,7.2/5.76 Mbps
  • Battery: 1.500 mAh / 3.200 mAh +/- 7 -10 operating and 300 standby hours (depending on use)
  • Antenna: TS-5
  • Wi-Fi frequencies: IEEE 802.11b/g/n Wi-Fi 2.4 y 5GHz
  • Up to 10 simultaneous devices.
  • Memory and transmisión power: 128 MB intern flash memory, 128 MB DDR SDRAM WLAN 802.11 b: 14 dBm 802.11 g: 11 dBm 802.11 n: 10 dBm
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If you want to read further on any of those partnerships have a look at our page “Find your local expert”

 

Would you like to partner with us?

 

Fill this quick form and a member of our team will contact you quickly.

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