Edition 1

PROPERTIES OF THE MONTH

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FM SpanishPromotions

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Are proud to launch two new insuranceproducts that remove all the grey areasregarding cover and makes the wholeprocess of insuring your home straight-forward and effortless ….

Insurance ... what is it? In simple termsinsurance allows someone who suffers aloss or accident to be compensated for theeffect of their misfortune. Do you need it -legally yes for some items like car insurance,but for others products like home insurancewe would like to think that the answer is yes,but finding the right product, with the rightprice and right level of service is where rightmove insurance and Hercules can help. Atright move insurance our approach is allabout flexibility; and we are passionateabout making our products suit our clientsneeds and not the other way around.

Our dedicated, personal service is com-bined with an easily accessible website, sup-port via the phone, email or in person at ouroffice in Playa Flamenca. The difference is inthe detail. We focus on the delivery of excel-lent service to clients, and by working with apremier provider of insurance products wewould like to believe that we can make thewhole process of insuring your home asstraightforward as possible. We believe it'sabout going the extra mile and to back thisup we are also happy to put you in touch withexisting clients for testimonials.

Why are we, right move insurance workingwith Hercules? Why - because they spe-cialise in one thing, and one thing only, homeinsurance. Hercules offers only 2 products,the Classic and the Gold Policy and is under-written by Lloyds of London.

The premiums for this comprehensivecover are surprisingly reasonable, andresemble what we expect of an Englishinsurance policy. Features include cover forsubsidence and landslip, worldwide all risks,accidental damage to property and contents

and cover for burst pipes and excessivewater bills, plus so much more. In additionall documentation is provided in English withhelp and claims department manned byexperienced English speaking personnel.Whatever any other insurance company tellsyou, claims are also an important part of anybusiness. The efficient and prompt paymentof claims is of paramount importance toHercules. We pride ourselves in giving a topquality service in this area. In addition theteam who work at right move insurance andHercules have an average experience ofmore than 25 years in the insurance indus-try, with many of the staff being expats them-selves.

What’s so special about these productsand Hercules? Are you worried about waterdamage and excessive water bills as a resultof a water leak? Does your current insurancecompany exclude such damages or applyunfair restrictions or limitations? Herculespolicies cover the costs of tracing andaccessing the source of oil or water leakswithin the home and also underground serv-ice pipes outside of the home but at theaddress shown in the schedule. In addition,your garden is covered for damage causedby fire, lightning, explosion, aircraft, earth-quake, theft or malicious damage. Herculeswill also automatically offer reinstatement ofcover following a claim as long as any rec-ommendation made by us to prevent a simi-lar loss has been carried out. No more greyareas regarding cover for your most expen-sive possession, your home ….

Whether you just want to ask a question,require some help or a quote just give us acall, email or pop into the office situated atPlaya Flamenca Commercial Centre.

We are also looking for business affiliates,so if you’re interested in working with us andgenerating an additional income stream wewould love to talk to you …

FM Spanish Promotions offers a selec-tion of high quality new and resale prop-erties, located right along the coast.

With a wealth of experience in the RealEstate and Finance industry, the experts atFM Spanish Promotions are well equippedto assist you in secur-ing your dreamhome, and carry youthrough the entirepurchase process,from searching forproperty to signingcontracts at thenotary. Working out ofits busy offices inPlaya Flamenca, thecompany is alsopleased to have itsown professionalAfter Sales service,which means thateven when you are allsettled into your newhome, you will stillhave someone to callupon when in need of assistance. Their phi-losophy is to secure a lifelong contract withtheir clients, by catering for their individualproperty requirements and offering the bestpossible rates available in order to see theirdreams become a reality!

FM Spanish Promotions are pleased totake the hassle out of searching for property,by inviting clients to join one of their person-alised inspection tours. During this process,the professional Sales Team will take thetime to research the client’s requirements,

including location, housing type and budget,before escorting them to view a selection ofpotential properties. They offer honest,impartial advice throughout the trip, with noobligation to the client to make a commit-ment until they are entirely satisfied.

FM SpanishPromotions cannot onlypair you with a perfecthome, but will also sup-port you in selling anexisting property, mar-keting it to a wide audi-ence through continualmedia announcementsand a comprehensiveweb portal.Furthermore, FMSpanish Promotionsoperates a professionalproperty maintenanceand rentals service,allowing you to select anattractive property andlocation without theneed to make a long

term financial commitment. The companymaintains that “Whether you are buying, sell-ing or renting a property, we will give you anhonest, reliable and dependable servicewhich is second to none”.

For further information or to make anappointment, please telephone 965 325 476.Alternatively, you may email them atinfo@fmspanishpromotions.com.

You can find FM Spanish PromotionsOffice at: Calle Santa Alodia, 27, PlayaFlamenca Commercial Centre, 03189.

And FM Spanish Promotions:Providing The Key ToYour Dream Home

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Hello and welcome to Property Plus, thefree, innovative property and informa-tion guide for the Costa Blanca.Property Plus is a brand new, exclusivesupplement, promoting the POSITIVEaspects of living in, owning, renting orrelocating here in Spain. This is the firstedition, which will now be publishedevery 4 weeks within the CourierNewspaper, and distributed throughoutour existing outlets and participatingEstate Agents. It is also available to viewonline at www.thecourier.es. Property Plus has compiled everythingthat you need to know about propertysales and rentals in Spain, into onehandy supplement. We will be taking alook at every aspect of the buyingprocess, from making the initial decisionto move to the Costa Blanca, to insuringyour dream home. Sound, practical

advice will be provided by an elite con-sortium of some of the coast’s mostesteemed Real Estate Agents, who willalso provide us with a selection of theirmost attractive packages every month.This puts our readers and subscribers toour website in a favourable positionwhen it comes to securing the propertyof their choice.In future editions, we will also be takinga look at what is happening in the prop-erty market, rental accommodation, newbuild and resale property, relocationspecialists, removals, furnishing, cur-rency exchange, mortgage and legaladvice, medical advice, in fact everyaspect of living or owning a propertyhere in Spain.Essentially, we have done all of the legwork, bringing you all of the informationrequired to make the right decision.

Wise Property InvestorsChoose The Costa Blanca

Although the Spanish Property Industryhas suffered some difficult periods inrecent years, all indicators show thatthings are now on the up

Whilst the world’s media is still intent onpublishing doom and gloom articles relatingto the global economic crisis, official statis-tics have proven that there IS movement,particularly in the property market. Slightimprovements were recorded during 2011,with the upward trend continuing throughout2012. According to figures compiled by theNational Statistics Institute (INE), the sale ofproperty across the country rose by 0.9% inSeptember 2012, compared to the figure forthe same month of 2011, equating to a totalof 25 985 transactions. Of these 50.9% wereresale properties and 49.1% new develop-ments.

This was regarded as very positive newsby optimists, who considered it a clear indi-cation that the economy was recovering;particularly as it showed the second consec-utive increase, with figures for August alsoregistering improvements of 3% after a stag-nant run of 17 months. What is even morereassuring for those of us living on the CostaBlanca, is that the highest number of housesales per 100 000 population were executedin La Rioja (128) and right here in theValencian Community (103). Valencia con-tinued to attract large numbers of buyersthrough to the close of 2012, with 3 912

properties being sold during the month ofNovember.

Costa Blanca Real Estate Agents haveconfirmed that this is indeed the case, andare pleased to report an increase in sales atboth ends of the property scale, from smallapartments to luxurious detached villas. Andwith the increased demand, particularlyamong the resale’s sector, Agents have evenbegan to advertise for new property listingsto satisfy demand. The major propertyinvestment markets now mainly lie with theScandinavians and Russians, althoughBritish investors hoping to take advantage ofthe soaring value of the pound do still favourthe Costa Blanca. As a whole, propertyprices are far lower than they were five yearsago, although they have only dropped mar-ginally since 2011, suggesting that they arecurrently beginning to stabilize. This makesNOW the perfect time to buy, as prices aremore attractive than ever, with local real-estate agents promoting two-bedroom prop-erties for as little as €40,000. In light ofrecent trends, it is also makes sense thatfrom here prices are more likely to go upthen down.

At Property Plus, we are making it easy foryou to take advantage of these positivemovements, by bringing you all of the bestdeals in one handy supplement. So why notmake 2013 the year to put the ball in motionand make your Spanish dream a reality!

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By HeidiWardman

All indications show thatthe sunny Costa Blancaremains one of the toplocations for overseasproperty investors. Andwith reduced house pricesand the levy on taxes relat-ing to property, there hasnever been a better time tosecure your dream home!

Moving house is never aneasy task, becoming evenmore stressful if you aremaking a new life in a for-eign country. Naturally thesystem in Spain is quite dif-ferent to that in other parts ofEurope, and any new home-owner is bound to comeacross a few hurdlesbefore they are in a posi-tion to hit the beach.But with a littlepatience, andsound advicefrom theexperts inthe busi-n e s s ,YOU toocould find your-self doing justthat. Here are afew points to con-sider when buyingproperty in Spain.

1) You are clearthat with its gloriousclimate, Spain is theplace for you.However, you shouldalso bear in mind that

the winter months can feelchilly after the hot summer,exacerbated by marble floorsand stark furnishings whichare specially designed for tokeep things cool. This iswhere it is wise to choose anewer property, where com-forts such as UPVCWindows, hot and cold airconditioning, under floor

heating and wooden floorscan make all the differ-

ence. Alternatively, if you pre-fer a more traditional struc-ture, you might go the otherway and opt for an ancientCortijo or Finca with excep-tionally thick walls and stonefloors that retain the heat.

2) Those who are new toSpain may find it favourableto live in an urbanization,with shared amenities suchas swimming pools, gardensand tennis courts. This limitssome of the personal respon-sibility to the home owner,and it is much easier to makefriends in this way, as well asobtaining advice from otherswith similar experiences.

Those who are alreadysettled in Spain, but

wish to move toanother property

often choose to remainwithin a community forthe same reasons,although some prefer tobranch out with some-thing more private bythis stage.

3) If you are notsure of your idealdestination then it isadvisable to rentsomewhere first,and give yourself a

little time to explorethe area fully before

taking the plunge.With extremely affordable

rates now is a great time forrenting property, and it maysave you money in the longterm as you will have thetime to compare houseprices and shop around forthe best deal on your mort-gage and conveyance fees.

4) Allow someone who hasprofessional knowledge ofthe market place, local areaand legal process to guideyou through your purchase.They will have helped to pairhundreds of individuals andfamilies with the right proper-ty to suit their needs, whichvary broadly. For example,the retired or semi-retiredcouple will usually be lookingfor a more relaxed lifestyleand location whilst the sea-soned expat, who has livedmuch of their life overseas is

more likely to opt for a tradi-tional Spanish propertywhere they can dive straightinto the culture and tradi-tions. Finally, we find thefamily set-up, where one ormore adults will need to workso good links of communica-tion is essential, whilst closeproximity to a school or col-lege is important for theyoungsters. Closeness toother services such asshops, medical and leisurefacilities as well as like-mind-ed neighbours is a high prior-ity for families.

5) There are also severalthings that you should beaware of once you havemoved in, which will help toavoid any nasty surprises atthe end of the month. Forexample, whilst electricity is

less expensive in Spain thanin other countries, there arecertain appliances such asswimming pool pumps,washing machines, tumbledryers and heating and cool-ing appliances that will con-siderably bump up the bills.Therefore, it is wise to keep atrack on your payments,especially if you are payingby direct debit “pago endomicilio” to prevent thingsfrom spiraling out of control.It may be worth looking intothe various tariffs offered byelectricity suppliers in orderto find the most cost effectivesolution.

6) The Costa Blanca ishome to a wealth of highquality education centres,and for those with young chil-dren who want them to makea satisfactory transition toSpanish life, enrolling in astate school is a must.However, spaces are limitedso you need to register theirnames early, repeating theregistration process EVERYyear thereafter.

The great news is that allof these needs and desirescan be simply fulfilled righthere with a little help from ouradvertisers. Why not take alook at some of the proper-ties that they currently haveto offer, and if somethingtakes your fancy, you are onthe right path towards pur-chasing your perfect proper-ty.

TOP TIPS FOR PURCHASINGPROPERTY IN SPAIN

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OP Group Spain has dedicated more thanseven years to the Property Management,Sales and Rentals sector.

The company has an unrivalled reputationfor pairing the right property with the rightclient, and at a price which cannot be beatenelsewhere! The bilingual team deliver apolite and efficient service, and are on-handto support clients with all aspects of the buy-ing process from conducting structured view-ing tours to arranging mortgages, transla-tions and appointments at the Notary.Furthermore, with all of these expertise andcontacts at their fingertips, the company isequally proficient at selling property; adopt-ing reliable sales techniques and a competi-tive rate of commission on successful com-pletion.

OP Group specialise in professionalProperty Management services, allowinginvestors to obtain the maximum incomefrom their property without being directlyinvolved in the renting process. The compa-ny are experts at getting a vacant property

occupied, taking advantage of local mediaadvertising and their comprehensive websiteto make your property more visible to a wideraudience. This explains why OP Groupboasts a portfolio of hundreds of propertieswhich are rented on long or short-term con-tracts according to the owners requirements.The all-encompassing general maintenancecontract will take care of all manner of labo-rious tasks, including interior and exteriorpaint jobs, tiling, fixing and replacing lighting,gardening, plumbing, domestic appliancerepairs and treatment of damp. Aside fromthis, OP Group can ensure that your swim-ming pool is kept clean and well maintained,and put you in touch with Translators,Locksmiths, Air-conditioning Engineers anda plethora of other service providers whichmay be of use.

Essentially, whatever your property needs,you are in good hands with OP Group. Forfurther information contact the team on 966729 653. Alternatively, you may emailenquiries to info@opgroupspain.com

NGS Services was established on theCosta Blanca in 1999, offering a profes-sional and all-encompassing propertysales service. Since then, the companyhas welcomed overwhelming success,now with a portfolio of over 500 resaleproperties and commercial units situat-ed from Alicante to Murcia.

NGS made an impact on the propertysales industry by specialising in re-saleproperties, under the motto of “what yousee is what you get”. This means that buy-ers do not have to worry about builder’scompletion dates, what will eventually beconstructed in the area surrounding theirproperty or what their home will actuallylook like on completion, as they might ifthey purchased off- plan.

NGS has two offices. The main office isin Avda de Las Naciones, Cuidad Quesadaand a smaller office in Guardamar. Thecompany is proud to house its very own in-

house financial arm, where a team ofexperienced legal advisors offer reliable,non-partial advice on all aspects of thepurchasing process. They work in collabo-ration with a network of Spanish banks,which enables them to offer the best possi-ble mortgage rates, which are arrangedwith minimal inconvenience to the client.Once the mortgage is secured, the legalteam can take care of all of the other pro-cedures involved in the purchase frompreparing all documentation required atthe Notary, to translating on the client’sbehalf. They can also help with the con-nection of utilities such as water, electricand telephone lines, and will even go asfar as assisting to get the children enrolledin a local school!

So if you wish to purchase a re-saleproperty with no hidden surprises, godirectly to NGS Services. For further infor-mation please telephone 966 717 567.

Get The Best Out OfYour Investment With

OP GroupNGS: The Resale

Specialists

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