Your Property finder on the Costa del Sol

Reliable help to find your new dream home on the Costa del Sol

Casa del Sol

Your new home

When you’re looking for a place in the sun, a (second)home on the Costa del Sol, you will find dozens of sites that show you the most beautiful houses. Soon you will not be able to see the wood for the trees.

Where to start?

We would love to help you separate the wheat from the chaff to find your special place in the sun. From experience we know a reliable, knowledgeable sparring partner can really help. Not only in finding the best fitting house but also in the most ideal location, for you to live in or spend your holidays, whilst ensuring it increases in value.

There are plenty of agents and real estate firms here on the Costa (they say there are more of them here than sunlovers) and there’s also no shortage of administration offices, mortgage advisors, lawyers and financial experts either. Most of them even speak some English or are from the UK and are more than knowledgeable.

At Casa del Sol we know how hard it is to find the right people when you are searching for a home abroad. As an intermediary between you and the numerous (Spanish) real estate agents here we will be your single point of contact and help you from A to Z.

You know what you want; more freedom and joy perhaps, or more sun and less rain, adventure or tranquillity and what kind of house or home you are looking for. We listen carefully and translate your wishes into reality and into the home of your dreams. A lot of the houses that are for sale here, can be found somewhere online. Online presence and searchability however isn’t as developed and much used here as anywhere else in Europe. And a lot of properties you find on consumer sites like Idealista or Kyero often aren’t for sale anymore. There is however an up-to-date and transparent database that’s used by almost all real estate agents, particularly on the Costa del Sol, that we subscribe to. If you’ve found your dreamhouse yourself, you can ask us to join you, be your purchase agent and guide you all the way.

Tell me what it is you’re looking for, I will start the search and together we will find the best suitable home for you!

Mijn dienstverlening

Wat kan ik voor u doen?

Net als in mijn vorige werk, waarin ik account- en relatiemanager was en een brug sloeg tussen het bedrijf waarvoor ik werkte en onze klanten, ben ik nu ook graag intermediair tussen u en de vele lokale makelaars hier. Een eerste aanspreekpunt en een betrouwbare en bekende schakel in een nog onbekend verhaal. U weet; ik wil wat anders, ik wil meer vrijheid, avontuur, zon, rust, plezier, wat u zoekt in een plek, in een huis, in een thuis. Ik luister zorgvuldig en kan dat hier in de provincie Málaga vertalen naar de beste (vakantie)woning van uw dromen.

Veel huizen die te koop staan, zijn ergens online te vinden, maar Internet is in Spanje minder ontwikkeld dan elders in Europa. En wat online staat, op de sites voor consumenten, is soms al niet meer te koop. Wat extra zoekhulp ter plekke is daarom erg handig. Zo is er bijvoorbeeld wel een up-to-date systeem met name voor de Costa del Sol maar dit is enkel in gebruik door makelaars en kan niet door anderen geraadpleegd worden. Het is een overzichtelijk systeem waarin ik een volledig beeld van de mogelijkheden heb. En mocht u toch zelf al een droomhuis gevonden hebben, dan kunt u mij vragen als aankoopmakelaar om mee te gaan en de aankoop te begeleiden.

Zodra ik weet wat u zoekt, ga ik voor u aan het werk en zult u van mij een overzichtelijke presentatie ontvangen van wat er te koop is op uw gewenste locatie(s), naar uw wensen. Van daaruit gaan we samen bepalen hoe we verder gaan. Zeker in deze tijd kan bijvoorbeeld een virtuele bezichtiging eerder een optie zijn dan gelijk al een fysiek bezoek.

PROPERTIES

WHATS FOR SALE IN THE REGION

€223000
2 beds Apartment Riviera del Sol
€575000
4 beds Villa Cerros del Aguila
€195000
2 beds Apartment Calanova Golf
€169700
2 beds Apartment Fuengirola
€265000
B294 2 beds Apartment Mijas Golf
€165000
564LALINEA 3 beds Townhouse La Línea
€725000
E01-190822 4 beds Villa La Cala Hills
€380000
3 beds Apartment Estepona
€299000
DVG-DDP3171 0 beds Plot Benalmadena
€233000
2 beds Apartment Benalmadena Pueblo
€200000
2206-2196 KDT 0 beds Commercial Fuengirola
€279000
2 beds Apartment Mijas

About Me

My story

My name is Noël Relker, I’m married with two daughters. As a kid, growing up in a small Dutch village, I dreamed of a life of travelling and adventures . Living abroad was high on my list. Years went by in which I did travel a lot and was busy with exciting work opportunities. But living abroad remained my biggest wish.  Fortunately my husband felt the same way, and in 2019 we said ‘if we wanna do it, we gotta do it now!’ Our girls were 8 and 10 years old and we hoped they would be able to adjust and learn the language quite quickly.

Within one month it was decided and although we’d never been there, thanks to Google Earth, we chose Malaga province. We put our house up for sale, started learning Spanish, travelled there (what a relief, in real life Andalucía was even more beautiful than we could imagine) and in December we sold our house. After memorable saying goodbye parties we arrived on January the 5th of 2020 and the adventure truly began!

That autumn prior to our immigration I’d made contact with several people that had also moved to the same area. To gather as much information as possible, because we had so little time to do research ourselves. Almost as if we knew we had to hurry, with Covid breathing in our necks. A lot you really have to experience and look up for yourself because it’s half the challenge, but some pointers and experiences of others, were very helpful for us. We narrowed it down to a few towns on the Costa del Sol and after making a pros/cons list we started looking for a place to live. Eventually we found a lovely home in a beautiful urbanisation between Alhaurin de la Torre and Alhaurin el Grande where we’re very happy.

INFORMATION

HOw does it work here?

Searching for and finding a house in Spain works differently to the UK. Some of the houses you see for sale online, on for instance Idealista, Kyero and Spainhouses are teasers that are not really for sale (anymore). But once you’ve asked for information on that property by that agent you are registered there and it’s a gentlemen’s agreement here, that once you’re registered somewhere, you’re that agent’s client, whether you want that or not. If you want me to be your property finder, ask me for information and I’ll send you everything you’ve set your eyes on.

The selling party raises the price of the property by a percentage that will be the standard commission the selling and buying agents split. Besides these costs, there are other things you need to get specific expertise from a lawyer for. The selling process in Spain is a bit more complex because of licences and official papers which are sometimes not correct or even missing. The language, the different culture, the other things you need to organise like applying for a NIE number and opening a bank account and off course Brexit, all of that makes it even more essential for buyers to have a lawyer.

The network I’ve been building here, exists of knowledgeable people that have worked here for years and are very reliable. I work together with advisors, agents and lawyers and I will make sure you get the best help you need. 

NEW VERSUS existing

Due to Covid a lot of developments projects were put on hold. Now however, it’s buzzing around here. Everywhere you look new complexes and houses are being built and there is a rapidly growing market for it. Thousands of people have saved money during 2020/2021 and have some kind of new awareness of bringing more joy into their lives. What better way is there, to live (partly) in sunny Spain!

All these new developments are found online but often the sites offer little information. All you need to know about these resale developments, you can ask me and I’ll provide you with a full picture.

Whether you buy something new or existing, there’s one important rule, make sure a good lawyer takes care of all the paperwork and checks if everything is safe and correct. You don’t want any surprises, definitely not in another country. Surprises often occur with existing buildings which caused a lot of stress for buyers. Lots of houses, especially the ones built  in rural areas have been (partly) built illegally and documents aren’t correct. Or permits were never given. You can also buy something and inherit the debts of the seller! These things happen here, and a decent lawyer protects you from that. I work with a very reliable Spanish lawyer who has 20 years of experience, who knows all the inns and outs of the law here, but also knows how to translate it all into English so you know what’s going on.

Below you find some things that are important and have to be dealt with when you buy a house in Andalusia.

– Getting a NIE number

– Opening a Spanish bankaccount (not necessary but handy)

– Consulting and checking the various property registers

– Checking ownership for mortgage, debts, charges and/or other attachments

– Checking permits for the construction works on the property

– Checking the IBI (Property Tax) returns

– Checking whether a building permit is present

– Checking whether a decanal insurance is present

– Checking certificates (such as cédula de habitabilidad or licencia de primera ocupaccion)

Rent

Wanneer u (eerst) wilt huren, wordt vaak 1 maand in rekening gebracht als commissie. Daarnaast betaalt u 1 maand borg. Soms vragen makelaars of huiseigenaren twee maanden borg (welke je regelmatig niet terugkrijgt wanneer je de woning opzegt omdat ze altijd wel iets vinden om dit te ‘verantwoorden’) en het komt ook weleens voor dat ze vragen om het volledige bedrag voor het eerste half jaar of zelfs jaar aan huur in één keer vooraf te betalen. Dit is niet nodig en raad ik u af.

Als u voor korte termijn een huis wilt huren, kan het mogelijk voordeliger zijn om dit via een particulier te doen, zo bespaart u kosten. Wel is het natuurlijk van belang dat er ook een huurcontract wordt opgesteld. 

Belangrijk om van tevoren te weten is dat veel huizen gemeubileerd verhuurd worden. 

In de database voor makelaars staan ook de huurhuizen vermeld, welke ik u desgewenst kan laten zien en welke we kunnen bezichtigen.

Tips

  • In Spain anyone can become a real estate agent, you don’t need any degree or diploma. That is why it’s always good to not just sign anything without knowing if it’s legitimate. When you’re asked to sign a Spanish document, always consult a lawyer.
  • Notaries in Spain have a different, not that important role here and don’t get involved much. A lawyer does most of the work related to the buying.
  • With regards to your budget it is recommended to know how much you can spend on the property. How much savings do you want to put in? Do you need a mortgage? When you know all of this and look at your monthly income, your budget shouldn’t be higher than 35-40% of your net income (of course this depends on your savings).
  • Beware of 9,5% to 14% of the purchase price extra costs. The largest part of this consists of 7% transfer tax for existing buildings or 10% VAT in the case of new construction (this has been changed recently by the government). The registration fee in the “Registro de la Propiedad” is approximately 0.3% to 0.7%. The notary fees amount to 0.6% to 1%. This is related to the value of the property. In case of new construction, you must take into account 1% stamp duty, for convenience administrative taxes. If a lawyer is used, you must of course also budget for these costs. You can go to an independent lawyer where you generally owe a fixed percentage of the purchase price. This percentage is between 1% and 1.5%. If you partly finance the house with a mortgage, you also owe costs to the bank, the notary and the land registry because a separate mortgage deed passes by the notary and the mortgage must be mentioned in the land register. The opening costs of the mortgage are usually 1% to 1.5% of the mortgage amount; the notary and registration fees and the preparation of the legal documents together approximately 2.5% of the mortgage amount.
  • These costs cannot be financed with a mortgage. Neither can refurbishing or renovating.
  • When you’re not a resident you can get a mortgage with the Spanish property as collateral. 
  • The most common mortgage in Spain is the Annuity Mortgage. The mortgage must be repaid when the applicant becomes 75 years old and the maximum term of the loan is 30 years and depends on the age.
  • The bank wants to get a good picture of the potential customer. Based on the profile, the bank will indicate under which conditions which mortgage amount can be provided. The most important criteria are the valuation value, your income, your age and your assets.

Hoe gaat u uw nieuwe huis betalen? 

Er zijn een paar opties:

– Eenmalige betaling: de totale verkoopprijs van de woning wordt rechtstreeks aan de verkoper betaald, normaal gesproken via een bankcheque op hun naam die u bij de ondertekening van de eigendomsakte overhandigt.

– Hypotheeklening: een hypotheek krijgen, bij de bank in Spanje of in Nederland, waarbij het onroerend goed zelf wordt gebruikt als een garantie. Banken lenen normaal gezien tussen de 50 en 80% van de waarde van het huis en de resterende 30% wordt door de koper betaald. Dit is afhankelijk van de locatie; voor huizen in de campo/rural (het platteland) wordt minder hypotheek verstrekt, namelijk 50% (60% als resident) en voor nieuwbouw tot 80% als u resident bent. Kosten koper en verbouwingskosten kunnen niet worden meegefinancierd.


-Hypotheek subrogatie: de naam van de betaler wijzigen van een bestaande hypotheek op het onroerend goed naar uw eigen naam, alle rechten en plichten ervan overnemen en jou de nieuwe betaler van de hypotheek maken. Dit moet worden aangevraagd bij dezelfde bank als waar de hypotheek is aangevraagd. Een voordeel van het subrogeren van een hypotheek is dat u alle kosten van een nieuwe hypotheek bespaart, maar aan de andere kant zijn de algemene voorwaarden vast en kunt u ze niet aanpassen aan uw eigen behoeften.

COSTs

WhAT does it cost me? What are the charges?

My services are completely free for you. I guide and unburden you before, during and after the purchase, while working closely together with the other parties involved, most importantly the lawyer. However, it is important that you do not register anywhere or leave your details somewhere else. This is because of the principle that once a potential buyer is known at another real estate agent, it is claimed by that agent who first received the data from this person. Often this person hasn’t been consciously chosen and the buyer wants to work with someone else, which is then no longer possible.

How are these activities around the purchase of a house then paid for? There is a standard commission of a few percent on every property that is sold, which is paid proportionally to the selling and buying real estate agent. If one of the parties does not have one, for example the buying one, then the full commission is for the selling broker. This percentage is a lot higher for new construction projects than for existing construction, which is why many agents prefer to tempt you to purchase a new build..

I will work for you, regardless of revenues or other interests, based on your wishes and where necessary, as I said, I call in good help.

What my clients say

Mandy Bruijns and Mick van 't Hof
Mandy Bruijns and Mick van 't Hof
Lees verder
"We wanted to make our dream come true; buying a house on the Costa del Sol, but we didn't know where to start. Via LinkedIn we ended up on Noël's website www.casadelsolrealestate.com. The transparent and clear, but above all personal story really appealed to us. And that's the way the contact is too, so personal! Noël made the step to buy a house abroad accessible, it was just so much fun! She really took the time and finally found our dream home. Charming, personal and professional. Highly recommended!"
Patrick and Esther Rodrigus
Patrick and Esther Rodrigus
Lees verder
Noël is a passionate, enthusiastic and energetic woman with expertise. She is open and honest, listens carefully to the wishes of the customer and works very thoroughly. She immediately dives right into it and is visibly having fun with it. In addition, she communicates quickly and clearly and is very helpful and thoughtful. She found our new home, completely to our wishes, very quickly and the guidance during the whole process of buying went great. Anyone who’s looking for a new place in the south of Spain should go to Noël.
Nicky and Martin Donaldson
Nicky and Martin Donaldson
Lees verder
From the first phone call we had with Noel we knew we had found the right person to find us a new home. Nothing was a problem and she maintained regular contact with us throughout. She is organised and efficient as well as cheerful, optimistic and very involved in the whole process. Her co-worker Ellen is just as enthusiastic and a great negotiator which makes them a great team!! We found our special house within one week and had lots of fun with them along the way. Had it not been so well co-ordinated with schedules organised in advance it may not have been possible in such a short time. Thank you ladies, we are so happy 😀
Nikita and Dennis Lageweg
Nikita and Dennis Lageweg
Lees verder
In our search for a dream home in Spain, we had already spoken to many real estate agents. Unfortunately, they had little time or simply couldn't help us. When we visited Málaga and had our first conversation with Noël, we knew we were in the right place. Clear communication and always available for questions. If you are looking for an honest, reliable broker who has the time and attention for you, we definitely recommend Noël.
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Contact me with email: noel@casadelsolrealestate.com

Please contact me with use of this form

Call or text me

Dutch phone +31 627841816

Spanish phone +34 602435320

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