Our Moraira properties are set out in categorised listings (detached homes, apartments etc.) Additionally there is also a listing of "Movers & Shakers", which shows newly-listed properties and thos recently sold, increased or reduced.
All are arranged in price order.

Start where you think best. Every Moraira property description has link to place the property in your short list. If you use Internet Explorer (Windows) these will be listed in your favourites.
You can add and delete in order to establish your Moraira area short-list.

If you need further details about a particular property then there is an enquiry form on every Moraira property description.

If you prefer we will send you a list of properties that match given parameters. To request this list we have a general Moraira property enquiry form.

PLEASE NOTE: Finding the right property can be a frustrating business. Good, clean properties, at the right price only remain on the market for a few weeks. Many buyers have their ideal property sold "over their heads".
The solution is to first visit and view with us so that we have a fair idea about what you are looking for. The, if you don't find a property on the first visit, we will put you on a waiting list. As soon as something likely comes along we would let you know, often even before the listing is uploaded.
The only problem then is that you have to get here quickly.
Your Moraira property purchase could be a life-time on off so it would make sense to go to a little trouble. With such a variety of cheap flights the expense is, relatively, not an issue.

What do I need to know about Moraira-HOMEFINDERS?

Moraira-HOMEFINDERS is part of the VillaServers Moraira Group. To be precise -

Villa Holiday Services (Costa Blanca) S.L.
Camino del Campamento 128
03724 Teulada-Moraira
Spain

VHS and it's predecessors have traded from the same address in Moraira since the 1970's and are, or have been, involved in all aspects of Moraira real estate and associated services. For Further information please visit the following websites -

Moraira-HOMEFINDERS.com - You are here right now.

VillaServers.co.uk for villa holidays in Moraira and owners rental services.

CB-Clean for cleaning products & services and client services to Moraira villa owners who rent directly.

VillaClub for owners rental advertisements.

Moraira-Info.com - our local advertising info and portal for Moraira with the Business Directory of Trades and Services.
 

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Why should I trust the Moraira-Homefinders?

This website is designed to provide an information service for property buyers. VillaServers (Villa Holiday Services) is a Moraira-based company specialising in villa management and tourist renting.
We have been trading in Moraira since the 70's and have helped 100's of clients buy and sell their properties, have managed and rented them and assisted with renovations and improvements.

Consequently, you should trust our judgement and the help and advice offered (especially in these FAQ's), and the guidance of our Moraira Property Consultants in selecting and viewing properties.
Please note that we insist that you employ a qualified professional to act for you.

You could ask why you should trust Moraira-Homefinders to arrange your Viewing Trip - please see the next FAQ.

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Why should I use Moraira-Homefinders to organise my Viewing Trip? Why no go on a normal Inspection Flight or make my own way?

Our inspection trips are arranged, just like any other holiday, by the VillaServers Holiday Consultants.
Normally, flights, accommodation and a hire-car are included and you would be expected to pay for the package. Nevertheless can most certainly put the whole package together for you at minimum cost and with the least inconvenience.

You are free to visit any Moraira agents or developments you choose. In fact, if you have not made a prior appointment with us we may not be able to show you around.

If you purchase a property from Moraira-HOMEFINDERS as a result of your Property Inspection Trip then part, or all of the cost will be refunded.

If you go on a Normal Inspection Flight you are tied to just one company. That is not to say that you cannot view other properties (except that they might make this very difficult for you) but, of course, you would not get your costs rebated if you purchased elsewhere.

Currently there are so many "agents" selling properties in the Moraira Area it would seem that "every man and his dog" were doing it and you might find that those you elected to meet were a complete waste of time or showing you properties advertised elsewhere at an inflated price.
 

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How do I know that the Developers and Agents have not increased the asking price to cover the cost of the Inspection Flight rebate?

That is exactly the point! Overseas Property Agents often charge the Developer or Agent a fee of around 3% on a successful sale but sometimes even more.
The cost of the Inspection Flight Rebate has to come from somewhere and most Moraira Agents and Developers have to increase the asking price to cover these costs.
You would certainly find that they would be pleased to accept a lower offer if you just "walk through their door" as an independent buyer.

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Do Moraira-HOMEFINDERS receive a commission?

Yes of course - otherwise we could not even afford to maintain this website!

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How do I get Started search for a Moraira property?

Decide first on the Moraira area, the type of property and how much you intend to pay. The Flow-chart explains each step.

You should then arrange your financing.

If you are searching in earnest for a Moraira property, logically, you would need to know exactly how much you can afford before you start as there is the possibility that you locate your "dream" home and it's a real bargain. If the price is right then the vendor might not be prepared to take it off the market without a substantial (non-returnable) deposit.
Then you would be in a real quandary about what to do. You might not know if you can borrow the required amount or even if you could afford the repayments.

See the following FAQ about arranging a Spanish mortgage.

Then arrange your Moraira Viewing Trip.

Finally make your appointments.

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How do I arrange a mortgage with a Spanish bank?

Spanish bank branches are governed by their head office and the local manager does not have the final word about mortgages. However, the manager will give you an idea about how much the bank is prepared to lend secured against the Spanish property.
Currently this varies between 50% and 100% and depends on the valuation and your ability to repay the loan.

Once you have chosen a property the bank would carry out a valuation and check the escritura (title deed) and building licence.
You would have to provide the escritura and proof of your income. In the UK the Revenue and Customs Service provide a certificate or, in case you are self-employed, your tax declarations would be required.

If you purchase through Moraira-HOMEFINDERS, we would help with this.

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How do I arrange my Moraira Viewing Trip?

Simply fill in the Viewing Trip Enquiry Form and the VillaServers Holiday Consultants will organise your accommodation, hire-car or transfer and advise you on finding and booking suitable flights.

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What if I prefer to make my own way to the Moraira Area?

All you need to do is let us know when you will be in the area and make an appointment.

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Who should I bring on an Viewing Trip?

Most certainly you should bring your partner or other person involved in making the decision. If you intend to buy then you would need the means to pay a deposit (typically €3,000) to have the property removed from sale.

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Can I bring friends and or family and make a holiday of it?

There is certainly no reason why not! In fact, taking time off to relax around the pool or enjoy a meal in a local restaurant etc. with friends or family, would give you a better feel for what living in Moraira is all about.
It is for this reason that we have included normal Moraira villa holidays in the scheme.

However, we do not recommend that you attend viewing sessions with more than 3 persons (better just the two decision-makers).
This is because we would want to get you around a selection of properties as quickly as possible. The property could be occupied, and we would want to limit the intrusion, or it could be a new property, and work would have to stop whilst you were inside the building.
Nevertheless, if you get to the stage when you have established a short-list, then it might be an idea to take friends for a second opinion.

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What comprises the Moraira Accommodation and Travel Package?

Accommodation, for 4 to 7 days, in a villa or apartment plus services (cleaning before and after occupation, bed linen, towels, bathroom mats, kitchen towels and a small "welcome" provision pack) plus a suitable hire-car collected and returned to the airport (or a taxi transfer both ways).

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How do I arrange my flights?

You would probably want a cheap flight supplied by one of the Low-fare Airlines (EasyJet, BMI Baby etc.). You may not be aware but the regular airlines (BA, Monarch, Iberia etc.) are also providing flexible fares which, during the Low Season are about the same cost as the Low-fare airlines.
We have a special Cheap Flight Finder which will help you with this.

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May I view properties whilst on a normal Moraira holiday?

Yes, of course! However, it would be best to arrange this beforehand.
The only problem is that during the Peak Season (July and August) it is normally too hot to be driving around all day and, anyway, most of the re-sale properties are let to holidaymakers.

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How do I research the properties I wish to view?

We suggest that you use our search pages or specific enquiries using the form provided.

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How much deposit is required if I decide to purchase a property in Moraira?

Normally 10% but generally the vendor would require an immediate payment (usually 3,000 Euros) in order to take the property off-sale.
Please see the next FAQ.

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Is the deposit returnable if I don't proceed with the sale?

Normally the deposit is not returnable.
However there can be exceptions to this which should be stated in a contract. Sometimes, for example, the Developer or Agent may have agreed to secure financing for you or the contract might be subject to you securing your own mortgage.
In the case of a re-sale property it is possible that a problem may arise during the title search (such as a planning irregularity, a debt or incorrect title deed description over the area of land). In such cases the deposit would be held by the agent or your abogado (Lawyer) and, as the sale could not proceed as contracted, an agreement would have to be reached or the deposit returned.

IMPORTANT PLEASE NOTE - Before signing or paying anything you should elect a legal representative. This could be an abogado or an API.
If the vendor's agent is an API then you can leave everything in the agent's hands.

The simple, easy, secure way -

1. Arrange your financing. Open a bank account with a nominal amount. Arrange the mortgage (if necessary). The bank or mortgage consultant will obtain a mortgage offer in principle.

2. Elect a legal representative (abogado or API)

3. Found a property - Don't pay, sign or agree to anything! Simply put the vendor (or agent) in touch with your legal representative and/or bank (or mortgage consultant).

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Are the sales agent's commission and legal fees included in the price?

All sales commissions are always included in the asking price but not the legal fees or the notary's charges or the transfer tax.

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What is an Abogado?

An abogado is a lawyer, one who is trained and licensed to practice law generally.

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How do you define a "Developer"?

A Developer is a company, or sometimes an individual (sole trader), who provides newly-built properties. Sometimes a Developer will offer a plot of land and provide a house from a list of basic designs (with can be modified) or design you a house from scratch.
A Developer may also offer a finished house or one under construction (so that you can choose your own floors, tiles and other finishes) or even a house "off the drawing-board" (with planning consent already arranged).

Some Moraira developers offer re-sales as well. This is because they sometimes take a re-sale in part-exchange for a new house, or agree to sell it for a client or because a client goes back to them to sell.

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What extra costs are involved over and above the purchase price?

The extra costs depend on the type of property and, in the case of new a building, the contractual arrangements. These are -

a)  The Escritura: In the case of a re-sale this is usually a simple document. If the property is new then the building may already be on the escritura.
However, the Developer may sell you the plot of land and build the house for you. In this case there would be another "escritura de obra nueva" when you register the new building. This would involve more Notary Fees.
If you have a mortgage then there is another escritura for this.

b) Land Registry Fees: Any escritura has to be registered at the land registry and there are fees involved.

c) Taxes: The transfer tax on a re-sale property is around 7% of the value declared on the escritura and this is the same for a plot of land.
In the case of a new property the transfer tax depends on whether the land and building are transferred together or separately.
There is currently a tax of 1% on the declaration of a new building but the Developer may (or may not) have included this in the price.

Overall this is an issue far too complicated to be specific about but, as a general rule you should allow between 8% and 10% to cover these extra costs.

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What is an Escritura?

An escritura (precisely - "Escritura Publica") is a document signed before a Notary.
In the case of a property transaction it contains (at least) details of the buyer and vendor, the vendor's claim to the title (previous transaction), the property's fiscal details, a full description of the property, details of all of the boundaries, rights or way and access (if not on the boundary to a public road), the value declared by both parties for the transaction and that this amount has been received by the vendor (or otherwise) and a declaration by the seller to the effect that it is sold free of charges or encumbrances and all of the debts have been paid (or otherwise!).
This escritura is not proof of title until it has been registered at the land registry and endorsed with the registration details.

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What is a Notary?

- simply a public official who is qualified to notarise and archive any type of document.

There are European laws which govern Public Notaries and a central registry.
Many English lawyers and commissioners of oaths are Public Notaries and they all provide documents with a special seal relating to their European registry details.

Spanish Notaries, additionally, are governed by code of practice relating to property transactions.
Among other cautions they have to obtain a certificate from the land registry showing details of the property registration with existing charges or liens (if any), a copy of the last rates bill, a declaration that the Community of Owners Contributions are paid and that there the "Plus Valia" tax has been paid by the vendor.
Additionally, the Notary has to ensure that certain other taxes, due to be paid by both parties, are secured with a retention.

It should be noted that a Notary Public in another country is not governed by the same code of practice as a Spanish Notary, in fact, lots of these vital cautions are impossible due to the distance involved and lack of local knowledge.

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Once I have finalised the purchase what do I do about maintenance and/or renting?

Some Developers already have schemes in place. VillaServers may be interested, if you purchase a property within the Moraira area or there are other Renting and Management Agencies that we would recommend.

If the rental income is vital, and once you have established a short-list, then VillaServers may be able advise you on the renting potential of each property.
If we cannot do this then we would certainly put you in touch with a management and rental agency in the area.

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How much can I expect to earn from renting the property?

This is almost impossible to answer as it depends on the property and for which periods it is available but 5% of the value is good going. If rental income is important then we suggest that you CLICK HERE and try to decide which property you would want for a holiday at any time of the year.

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Suppose I need to make alterations or improvements?

VillaServers are experts in all aspects of Moraira property management, can assist with any project and/or recommend the necessary trades-people.
If you purchase a new property and require alterations immediately then you should ask the developer to incorporate these in the new building.
If you are interested in a resale and speak to us then we will give you an estimate of costs.

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