financial and legal services

Main services

Legal guidance during the purchase

We help coordinate the legal review of the property so that the buying process can move forward more securely. Among other things, it is important to check:

• that the seller is the legal owner
• whether there are any charges or debts that could affect the sale
• that the property has the necessary documentation and permissions
• that all documents are correctly prepared for completion

Financial and mortgage support

If you need finance, we can also guide you through this process and help you understand the available options more clearly. Our aim is to give you a better overview of the steps, requirements and costs involved in buying a property.

Insurance and additional arrangements

Relocation and practical support

Buying a home is only the beginning. Many clients also need support with practical aspects of their new life in Spain. That is why Chic Estates offers a more personal and human approach, helping to resolve questions and offering guidance on matters that go beyond the property purchase itself.

What we review and coordinate during the process

When buying a property in Spain, we help you coordinate and understand arrangements such as:

• confirmation of the legal ownership of the property
• checking for any possible charges or issues
• review of licences, permits and building documentation
• preparation of the documents needed for completion
• organisation of appointments and steps before the notary
• support with the translation and understanding of documents
• coordination of procedures related to the purchase

This service is especially useful for international buyers who want to feel supported and well informed at every stage of the process.

Costs and procedures you should also take into account

In addition to the purchase price, there are other costs and procedures that should be considered from the beginning. At Chic Estates, we help you gain a clearer understanding of these items so that you can plan your purchase with greater confidence.

These may include:

• notary fees
• Land Registry fees
• cadastral searches
• obtaining your NIE number
• possible powers of attorney
• registration of the title deed
• opening or managing a Spanish bank account
• administration costs
• review of bank guarantees for new-build properties
• taxes and possible stamp duty
• insurance and other property-related costs

If you buy with us, we will help you understand the total cost of the process more clearly, so that you can make decisions with greater peace of mind.

Would you like to buy with more security and real support throughout the whole process?

At Chic Estates, we want you to feel supported during an important decision, especially if you are buying in Spain from abroad.

That is why our service goes beyond the traditional property purchase. We combine a personal approach, experience and ongoing support, so that you always have someone you can trust when questions, arrangements or unexpected situations arise.

24/7 assistance and SOS Ana are part of that personalised service philosophy that sets us apart and provides real added value to many of our clients.

Secure Payments – Your Money Is Protected

As a professional real estate agency, we never accept property purchase funds from clients into our own bank account.

Our role is to coordinate the transaction securely and ensure that your money remains protected throughout the entire purchasing process.

Apart from the initial reservation payment, all subsequent payments are transferred to the client account of an independent Spanish solicitor. We will introduce you to a qualified solicitor who:

• Speaks your language
• Represents your interests
• Manages the legal aspects of the purchase
• Ensures that all payments are made safely

Before any funds are transferred to the developer or seller, the solicitor carries out a complete legal inspection of the property, reviewing all relevant documents, licences and certificates.

When purchasing a new-build property

The solicitor verifies that the developer provides the legally required bank guarantees to protect all advance payments made during the construction process.

When purchasing a resale property

The solicitor carefully checks:

• The legal ownership of the property
• Any outstanding debts or mortgages
• Unpaid property taxes
• Community fees
• Licences and certificates
• Any other relevant legal documentation

This secure payment procedure provides an additional layer of financial and legal protection, allowing you to purchase your property in Spain with complete confidence and peace of mind.