UK Property Guide

UK Property Guide: discover what only the top, expert property lawyer in United Kingdom know about uk property guide

  1. The Conveyancing Process in England & Wales
  2. Initial Agreement
  3. Exchange of Contracts
  4. Completion
  5. Key Advice for Non-resident Investors
  6. Summary UK property Tax Rates
  7. Seven tips if you are looking to invest your money

THE CONVEYANCING PROCESS IN ENGLAND & WALES

In England & Wales the legal and administrative process of transferring property or land from one owner to another is known as conveyancing (NB – the process is different in Scotland and Northern Ireland).
Conveyancing is customarily undertaken by solicitors or licensed conveyancers, regulated professionals who must by law carry adequate professional indemnity insurance to protect their clients. This ensures a high degree of technical competence and means that all parties to the transaction are fully protected (legally and financially).
The conveyancing process broadly comprises three stages as listed below. Typically, it will take on average between 4 to 8 weeks for these 3 stages to be completed; however, in some cases, for example, a ‘cash’ transaction with no related sale or purchase, the whole process can be undertaken in days rather than weeks. Each party to the transaction is responsible for meeting their own legal fees. The selling agent’s commission is usually paid by the seller.

INITIAL AGREEMENT

After a buyer’s offer to purchase a property is accepted, the seller and buyer instruct their own solicitors to represent their interests. This ensures independent representation and avoids a conflict of interest. At this stage an offer to buy is always conditional and is made on a subject to contract basis. This allows the parties enough time, via their lawyers, to agree the finer details of the transaction. Terms and conditions are written into a formal contract of sale, the buyer’s lawyer carries out thorough and detailed searches, enquiries and due diligence on the seller, the property and the legal title. It is also an opportunity for the buyer to make financial and other arrangements, for example, to secure a mortgage offer and, given that English law applies the doctrine of caveat emptor (meaning that the buyer acquires the property with any defects it may have) to commission a survey report of the property.

EXCHANGE OF CONTRACTS

After the preliminary steps of stage 1 have been completed to the buyer’s satisfaction, a completion date is agreed (usually 2-4 weeks later) and the matter proceeds to the next phase, known as exchange of contracts. The sale contract is signed, binding both parties to execute the transaction on an agreed date, the completion date. At this point the buyer typically pays the seller’s solicitor a deposit of 10% of the purchase price and the balance will be paid on completion. This is held in escrow or, by agreement, can be used by the seller to put down a deposit on another property. Between exchange of contracts and completion, final searches will be conducted by the buyer’s lawyers, the transfer deed will be prepared and agreed by the lawyers on both sides and the loan drawn down, if there is a mortgage.

COMPLETION

This is the agreed date upon which the transaction is executed, closed or completed. The seller receives the balance of the purchase monies and the buyer becomes the new owner of the property, free from any loans, charges or encumbrances, receiving the keys and usually the right to move into the property and occupy it with vacant possession. The buyer may choose to buy an investment property subject to an existing tenancy in which case vacant possession is replaced by the right to receive the rents and profits from that date. The buyer’s solicitors then pay the stamp duty land tax due and, on receipt of a certificate of payment from the tax authority, register the buyer’s title at the Land Registry. The transaction is complete.

KEY ADVICE FOR NON-RESIDENT INVESTORS

Whether you are a first-time buyer or a veteran, there are a few key principles that will help you on your way.

Set your goals – always strategize before you buy. Be realistic about your financial circumstances and set clear goals. If your emphasis is going to be on producing income, look at the commercial sector, if it’s capital growth, you are likely to be better served by the residential sector.

Set your financial limits – unless you are buying a property to live in, it’s important to be ruled by your head, not your heart. Affordability and an exit plan are key, and you stand a better chance of making a capital or income return on your investment if you buy well – research the market, shop around, don’t be afraid to walk away. Property investment is a medium to long term strategy, make sure you can afford to fund the holding costs of the property for 7-10 years.

Caveat emptor – let the buyer beware means responsibility for defects – in the property and in the title – can be passed to the buyer. The antidote to this is to ensure that proper due diligence is carried out both physically, by inspection and survey, and procedurally, by the buyer’s lawyer requesting formal disclosure of appropriate information from the seller and by inserting affirmative representations about the condition and suitability of the property in the sale contract.

Structure once, structure well – will you buy the property personally or via an entity such as a partnership, company or trust? There are advantages and pitfalls to each, and the tax authorities will tax each differently. If you make the wrong choice initially, it can cost you thousands in additional taxes. It may be possible to rectify this further down the track it could cost you thousands in transaction costs, stamp duty and capital gains tax. Professional advice at the outset of the buying process is key.

Tax planning – the UK has a complex tax regime and the days when overseas investors had the benefit of favourable tax treatment have gone. UK investors and overseas investors in UK property are now taxed in much the same way and there are even special, as in ‘unfavourable’, rules for overseas investors purchasing real estate above £500,000. Professional advice is essential to navigate the tax maze – stamp duty land tax, ATED, income tax, capital gains tax and inheritance tax are all relevant issues for investors buying comparatively modest properties in the UK. Professional tax advice taken simultaneously with structuring advice is key to maximising your investment.

This can seem daunting, but don’t be deterred. The UK property market has historically been a safe haven for international investor. For the investor who thinks ahead, plans well, takes professional advice at the outset and executes well, the market remains predictable and navigable. Yes, professional advice costs money, but it can also save money.

SUMMARY UK PROPERTY TAX RATES

INDIVIDUAL & STRUCTURED OWNERSHIP (RESIDENTIAL PROPERTY)

Event/OccasionIndividualUK CompanyNon-UK CompanyTrust
AcquisitionSDLT at rates from 0% up to 12% where value exceeds £1.5 million (plus additional 3% where purchaser already owns a residential property)SDLT at 15% (personal use)SDLT at 15% for properties valued at more than £500,000SDLT from 3% up to 15%
OwnershipNo ATED
Income tax on rental income at rates between 20% and 40%
ATED charged at variable rates annually depending on market value of property – from £3,650 p.a. for properties over £500,000 to £232,350 p.a. for properties over £20 million
Corporation tax on rental income at 19%
ATED charged at variable rates annually depending on market value of property – from £3,650 p.a. for properties over £500,000 to £232,350 p.a. for properties over £20 million
Corporation tax on rental income at 19%
No ATED
Income tax on rental income tax at rates between 20% and 40%
Disposal0% if main residence exemption available but otherwise Capital Gains Tax from 18% to 28% (depending on total UK income or capital gains in year of sale)Corporation Tax 19%Corporation Tax 19%0% if main residence exemption available but otherwise Capital Gains Tax of 28%.
DeathInheritance tax at up to 40% for estate above £325,000 (subject to exemptions and reliefs)Inheritance tax at up to 40% on death of individual shareholder for estate above £325,000Inheritance tax at up to 40% on death of individual shareholder for estate above £325,000Inheritance tax at up to 40%

SEVEN TIPS IF YOU ARE LOOKING TO INVEST YOUR MONEY

  1. It’s common sense but still worth saying–do not invest in schemes that are “too good to be true”.
  2. Always get your own independent advice from a law firm or other trusted professional. Be wary of using the adviser the investment company recommends or says you need to use.
  3. Make sure your own adviser looks carefully at the documents. Schemes often promise a lot and look as though they could work in theory – but detail in the small print means they probably won’t in reality.
  4. Do your homework. Research the scheme and look at official sources. Look for warnings or decisions from financial regulators. You can usually find details on their websites. A good example is the Financial Conduct Authority warnings (http://scamsmart.fca.org.uk/warninglist/).
  5. Do not be pushed to get involved quickly- it is very common for the fraudsters to say you have to act urgently. If they say that, you should be very suspicious.
  6. If the proposed investment is in something unusual, ask yourself why. Remember, the suggested asset will be worthless if it is a scam, or if the company managing it is not well run and closes.
  7. Complain if something goes wrong – report your concerns and do not be put off by the investment company or solicitors relying on small print. The documents have to be fair to you.

Related Services

Testimonials for our Property Purchase service
  • Sam Rifai
    Sam Rifai, Antalya

    Caring, well-prepared, very responsive. Dilruba is a dedicated professional and was a delight to work with.


    Nov 16, 2020
  • Matt Hardy
    Matt Hardy, Mallorca

    I thought Rosa was first class. Always helpful, always knowledgeable, and got the job done. I would highly recommend her.


    Also very nice to work with, easy to talk to with a great attitude.


    Nov 09, 2020
  • Robert Jasso
    Robert Jasso, Spain

    Jaime, provided exceptional professional legal services. He was knowledgeable, responsive, and very attentive to details that were needed to complete our property purchase. I highly recommend his services.


    Oct 23, 2020
  • Reine Ramon
    Reine Ramon, Canidelo

    Teresa was totally professional...I am a jurist myself...but more, she went above and beyond due diligence.the kind of lawyer who inspires trust and a confidence in the process because she takes the time for attention to every detail, with immense patience, kindness and aforethought.


    Oct 22, 2020
  • Brian Hayes
    Brian Hayes, Santander

    Jaime was always providing more than I was expecting.


    His knowledge was exemplary and his service was of the highest calibre.


    Oct 09, 2020
  • Paul Kuznecovs
    Paul Kuznecovs, Los Cristianos

    Prompt Response, Full Understanding of what was Required and Possible Problems, Provision of Absolute Value for Money.


    Total Ability to Explain What is Required, Identification of Challenges and Application of Relevant Solutions,


    Meeting in Person Was Not a Problem, Highly Professional - Absolutely Life Changing Experience! Sincere Thanks to Oliver and Family from Kuznecovs Family!!!


    Oct 08, 2020
  • Sorin Mocanu
    Sorin Mocanu, Thessaloniki

    Joanna was very professional from the beginning until the end of the project.


    Moreover, she was very patient and adaptable in assisting us with all the purchase process, in spite of all the problems that appeared with the papers, owners, delays because of pandemic seizures.


    I will definitely recommend her and will work with her in the future.


    Oct 02, 2020
  • Christopher Horne
    Christopher Horne, Puçol

    I both purchased and sold a property in Spain utilising Francisca's services in both instances. I felt it was essential to use a lawyer as I am from the UK and this was my first experience of buying and selling in Spain and the system, process and tax requirements are very different and I wanted someone experienced and professional to oversee everything and 'hold my hand' through the process.


    It seems that most Spaniards do not utilise a lawyer or use an independent property surveyor and the inmobiliaria/estate agent does a huge amount of additional work compared to what they do back home. This combined with the arras (deposit of thousands of Euros paid directly to the seller to 'secure' the property and take it off the market) made me nervous as it was so different to what I was used to in the UK - in some ways it's a lot better system.


    Like most reading this review, I did a huge amount of internet research when looking for property to buy in Spain and from experience have found that there are many companies set up by Brits and other non-Spaniards that are looking to take advantage of first time buyers from their native countries by putting up flashy websites and charging exorbitant fees - without exception I found that the Spanish inmobiliaria/estate agent, lawyers, etc. were far more professional, hard working and able to get things done at a fair price. The challenge is, if like me, your Spanish language skills are poor to non-existent - my advice to you is to get used to using both Google Translate and WhatsApp on your mobile phone with a data package that works in Spain as these came to my rescue on multiple occasions and are invaluable.


    Francisca's services through both the buying and selling process of my property were exemplary and professional at all times, her fees fair, her communication swift and her level of integrity beyond doubt. Some of Francisca's greatest non-lawyer strengths are her ability to empathise with a non-Spaniard buying property for the fist time in Spain, communicate the system clearly, set the necessary appointments / provide clear directions and generally 'hold your hand' through the process and sooth your nerves when necessary.


    I would have no hesitation in recommending Francisca to anyone requiring the legal services (not just buying/selling property) of a lawyer in Spain and will certainly approach her again should I need such services again. It is rare to find a professional of this level of integrity in any industry or country.


    We need more clones of Francisca across Spain! :-). From my experience, her services and professionalism cannot be improved upon.


    Oct 02, 2020
  • Steve Riley
    Steve Riley, Benidorm

    Buying a house in Spain was a daunting prospect but we had found the place and just needed to go for it!


    After a quick Google search for English speaking solicitors, I contacted Advocate Abroad, after speaking to someone for less than a minute I was told I would be contacted by their solicitor, Consuelo within the next couple of hours.


    My phone rang within minutes, it was Consuelo and she explained all I needed to know about the legal requirements prior to making a purchase and after an offer is accepted. She explained the differences between a private purchase and a company purchase, and gave us enough information in that initial phone call to put our minds at ease and helped us understand the Spanish house buying processes.


    Consuelo then went on to arrange our NIE numbers, make an appointment with the notary, dealt with the estate agents, acted as attorney with our bank, and completed most of the legal requirements within a three week period just before lockdown hit. Over the lockdown period Consuelo sorted out electric, water and taxes and explained everything clearly and precisely over email and WhatsApp. Once Spain relaxed it’s measures, Consuelo was quick to finalise everything, even met our Spanish friends to hand over keys and sent photos!


    The service provided is incomparable with our British conveyancing lawyers, (we truly did get a clearly explained, personal service at an excellent price!) and although everything after our offer had to be dealt with remotely with us back in England, there was no doubt we were being looked after fully and competently.


    I would not hesitate to recommend Advocate Abroad and I would certainly recommend you ask for the fantastic services from Consuelo!


    Aug 14, 2020
  • P.R. van Tol
    P.R. van Tol

    Francisca did a great job helping us with buying our new property. The price is absolute right. I can fully recommend her!


    Aug 05, 2020
  • Robert Bolton
    Robert Bolton, La Manga del Mar Menor

    We couldn't have asked for anyone better than Consuelo in helping us buy our apartment in La Manga. She guided us through the process either by email or phone and made sure that we fully understood everything. This of course gave us complete peace of mind.


    Consuelo is an extremely professional person but also very personable. We even had lock down to contend with but Consuelo always kept us updated. Excellent service!!


    Aug 04, 2020
  • Karen Webster
    Karen Webster, El Campello

    Consuelo went above and beyond expectations. We could not get to Spain to view the property we liked due to the COVID-19 travel ban so Consuelo viewed it on our behalf and sent videos.


    She went through the whole buying process on our behalf. Communication throughout was excellent. Consuelo kept us informed of every step and sent copies of all documentation. Considering the amount of work she did under very difficult circumstances the fee was very reasonable.


    Aug 01, 2020
  • Rachel Stevenson
    Rachel Stevenson, Peniche

    Teresa is very responsive and anticipates any questions we might have. She is also very good at explaining issues thoroughly and highlighting areas that will need closer inspection or caution.


    I would definitely recommend her services.


    Jul 27, 2020
  • Abu Bokkor
    Abu Bokkor, Turkey

    I found them to be very reliable and responsive when providing their service.


    Jun 29, 2020
  • Ben Cuppello
    Ben Cuppello, Oviedo

    Miguel provided a faultless service throughout the purchase of our property in Oviedo.


    Always responsive, providing excellent advice and guidance and prepared to go above and beyond to help us on numerous occasions. I could not recommend him highly enough.


    May 27, 2020
  • Irene Peios
    Irene Peios, Thessaloniki

    Very friendly, professional and very honest. She made an excellent job, making sure to charge us the fairest amount and not more. We appreciated that very much and look forward to work with her again in the future.


    Mar 20, 2020
  • David Greenep
    David Greenep, Thessaloniki

    Joanna was amazing. I couldn’t have done the purchase without her.  I will continue to be in contact with her as she is a very trustworthy and knowledgeable person and very professional!


    Mar 19, 2020
  • Brian Berman
    Brian Berman, Oviedo

    We were very have happy with the level of service provided by Miguel, he went above and beyond to make sure that everything was understood by us and clear.


    Using him made us realise that buying aboard was not straight forward and with his help opened doors which we would have struggled with. He was always available to us day and night ( even at weekends) and would respond to any question with either the answer or information of how to get it. He kept us informed at each and ever stage of our purchase. He was a real gentleman and we were very proud and honoured to have met such a lovely man.


    He is a great example of how a person in his position should operate with his clients and we can not thank him enough.


    Mar 11, 2020
  • Chris Horne
    Chris Horne, Valencia

    Francisca is a highly professional and friendly lawyer based just outside of Valencia city that helped my wife and I purchase our property.


    Her English is excellent and her ability to communicate the Spanish legal requirements for a foreigner to purchase property in a clear and concise way is exceptional.


    I would have no hesitation in approaching her for other legal services myself and would recommend her to anyone.


    Feb 16, 2020
  • Tom Burke
    Tom Burke, Alicante

    Jose was Professional and very prompt to respond, good value for money and is approachable.


    Feb 09, 2020
  • Gemma Pitt
    Gemma Pitt, Mallorca

    Our experience in using Rosa has been flawless. She has been incredibly responsive and helpful from day one.


    We couldn't be more happy with her service and we look forward to many more years of help and support!


    Feb 03, 2020
  • Matt Trenwith
    Matt Trenwith, Turin

    I received absolute clarity throughout the process in a timely fashion.


    I am happy with the current service.


    Jan 16, 2020
  • Maria Castellon Perez
    Maria Castellon Perez , Vera

    Juan was very professional at all times and he help us with everything. He even went to pick me up from the airport do we didn't missed our appointment with the notaire.


    Juan was in contact with us constantly through face to face and wsup. I have no doubt we will use him again.


    Jan 15, 2020
  • Daniela Majstorovic
    Daniela Majstorovic, Valencia

    Inmaculada was very professional, very helpful and approachable , easy to communicate , pleasant,and her English is fluent.


    Dec 05, 2019
  • John Hipper
    John Hipper, Zaragoza

    Francisco was recommended to me by friends in Spain after they had a very positive experience with him. He was an excellent contact for me while I was in the process of buying a house in Spain.


    It was an overwhelming experience buying from Canada, particularly because of the language barrier and the time difference, but Francisco did a fantastic job of explaining to me everything about the forms, taxes and the local processes.


    He was helpful, friendly and informative. When I arrived in Spain to complete the purchase, I felt much more confident knowing that I had his advice and assistance, he even offered to help me fix a problem with my bank accounts when I didn't understand what was happening (language).


    I would have no hesitation using his services again and highly recommend him to anyone in need of his assistance. I was 100% happy.


    Dec 03, 2019
  • Natalie
    Natalie , Valencia

    Inma was extremely good at reassuring me with my anxieties regarding buying a property abroad. From the first point of contact I felt she was very trustworthy and this continued all the way to point of signing and beyond.


    I sent her so many emails with all my questions and she answered each one in good time and professionally. She was always on the end of the phone if I needed her and her English and patience was excellent! I would highly recommend this lawyer. We found her independently through Advocate Abroad and will absolutely use her services again!


    Nov 26, 2019
  • Stephen Brown
    Stephen Brown, Palma de Mallorca

    Great communication with Rosa and good advice around what can be a potentially complicated property market on Mallorca.


    I had no idea about the importance of a cedula de habitabilidad and how difficult it can be getting water and electricity connected with out one.

    Our experience of estate agents on the island is not great but thankfully Rosa has kept us right through out our property search and in obtaining our NIE numbers. We are very grateful for her help.


    Nov 13, 2019
  • Sjors de Wildt
    Sjors de Wildt, Barcelona

    Oscar helped us through the process of buying our family home in Alella Barcelona. He advised and informed as well as reviewing the contracts and doing checks on liabilities, registrations etc.


    We are very happy with Oscars work. Easy to communicate with, available for questions and not shy to give you his opinion. Was a pleasure to work with you and we will make sure to stay in touch for any future legal advice we may need.


    Oct 30, 2019
  • Victor Cini
    Victor Cini, Valencia

    Thank you, Ramon was most informative , very clear and offered great advice.


    We hope to be back in touch.


    Oct 23, 2019
  • Steven M
    Steven M, Valencia

    We recently completed a foreign real estate transaction which required us to seek legal counsel here in Spain. Not knowing where to turn we contacted myAdvocate Valencia who put us in touch with our lawyer Inma.


    She offered friendly, professional and flexible legal support during our stressful time, all while speaking perfect English, which further helped the situation. We are so glad to have met Inma and would use or recommend her services in the future. Five-stars!


    Oct 23, 2019
  • Moreen Linskey
    Moreen Linskey, Thessaloniki

    This professional was excellent in all respects. She was helpful understanding and was also very kind. We would definitely recommend her. We wish more solicitors were like this.


    The service we received has been excellent and we would use your organisation again as well as recommending.


    Oct 15, 2019
  • Richard Day
    Richard Day, Barcelona

    Excellent customer service and good legal advice. Oscar always returns calls and messages promptly, even when he was on holiday! He is polite and patient.


    I am very happy with the services provided by Advocate Abroad and especially Oscars work. All at reasonable cost.


    Sep 17, 2019
  • Margaret-Ann Grant
    Margaret-Ann Grant, Salobreña

    The professional's responsiveness to my queries (of which there were many), her explanations and clarification of issues and her ability to come up with concrete solutions when obstacles arose, all in a timely manner (despite time differences) were a credit to her and to your company.


    I would gladly recommend Kristina for metaphorically holding my hand through the whole apartment buying process, from beginning to end.


    Sep 17, 2019
  • Darrell Green
    Darrell Green, UK

    Inma was always available to answer any questions we had or obtained the information required. All of questions were answered promptly and anything we didn’t understand was explained.


    Inma is very friendly and approachable and we felt confident and assured with her professionalism.


    Sep 17, 2019
  • Tim
    Tim, Mallorca

    I have recommended to a few friends who now use Rosa. Most profesional which is a rare in Spain. I honestly cannot think of any part of the service I would improve.


    Sep 13, 2019
  • Cheryl Ann Taylor
    Cheryl Ann Taylor, Alicante

    Jose's English is excellent and he explained everything to the letter. Absolutely brilliant and will definitely go back to him when we have found a house to buy.


    Can't fault anything. In fact he showed us the car registry office and other offices that will be useful to help us settle in his beautiful country. A real gentleman.


    Sep 10, 2019
  • Manh Do
    Manh Do, Alicante

    Jose has guided and helped our family throughout the whole process of the purchase including the application for the NIE, ordering of the survey, signing of the contract and transfer of the utilities under our checking account.


    We highly recommend his legal services for any such real estate transaction.


    Sep 04, 2019
  • Leigh Hossbach
    Leigh Hossbach, Oviedo

    I would wholly recommend Miguel to anybody contemplating a house purchase in the Asturias area of Spain. His pricing was competitive and adapted to my particular requirements.


    He consulted with other professionals (including the council) to help determine the expansion and future building possibilities of the land. He also undertook the necessary checks to establish there was no outstanding debt tied to the property.


    Compared to UK solicitors Miguel was very much more approachable and would always respond to my queries and deliver frequent progress reports at any time of the day including weekends.


    Given the complexity of the Spanish notary system it is essential you have a local solicitor who knows all the variations associated with the Asturian conveyancing system to guide you towards a successful outcome.


    Even though I had a reasonable understanding of Spanish Miguel's excellent written and spoken English proved invaluable at all stages of the conveyancing process in particular the final signing of the deeds. Well done Miguel and many thanks for all your help!


    Aug 17, 2019
  • Joseph Lobo
    Joseph Lobo, Barcelona

    Oscar was a great help throughout a difficult process as we bought a house in Barcelona. Despite significant setbacks, he was able to help us find solutions to ensure we finally managed to purchase the property.


    Thank you to Oscar for being incredibly professional and for explaining everything in a straightforward way so we understood a process which was foreign to us. I highly recommend him as a lawyer for anyone looking to buy a property in Spain.


    Aug 01, 2019
  • Gian Piero Staffa
    Gian Piero Staffa, Antigua

    Rosa was extremely helpful in assisting me buying a house in Maiorca.


    The transaction was not without issues due mainly to spanish bureaucracy and Rosa handled all of them very professionally.


    Given language problems and distance from my residence I will never regret having chosen her as my Lawyer in Palma and I have already recommended here services to other prospective buyers.


    Jul 22, 2019
  • Daphne Zargar
    Daphne Zargar, Detroit, USA

    Miguel was awesome! Super responsive, extended my knowledge and put me totally at ease through the process of buying a house in Galicia.


    I felt my interests were put first in the process and protected and would definitely recommend Miguel with full confidence.


    Jul 20, 2019
  • Sally Bircher
    Sally Bircher, Tenerife (Los Cristianos)

    I have recommended our lawyer Oliver to many people due to his professionalism and ability to communicate on all levels.


    Calls were always returned and questions always answered. Great value for money.


    Jul 16, 2019
  • Xavier M W
    Xavier M W, Mallorca

    I highly recommend Rosa, she is very professional and thorough and her communication was superb throughout.


    Her English is also first class. Thank you for all your help.


    Jun 29, 2019
  • David Clarke
    David Clarke, Lisbon

    Always on hand to fit with my arrivals in Lisbon. And very reasonable with charges. Will always use Joao for my legal affairs in Portugal.


    May 31, 2019
  • Dean Powers
    Dean Powers, Castellón

    Lidia is very professional and I have gone back to her several time for legal services. I highly recommend her, especially for English speakers.

    Everything has been perfect.


    May 20, 2019
  • Elaine Dennard
    Elaine Dennard, Castellon

    My lawyer Lidia was extremely helpful. Very satisfied with the overall service provided. Would recommend.


    May 17, 2019
  • Mark Fairley
    Mark Fairley, Gandia

    Francisca was extremely professional, great communication throughout the purchasing process.


    Phoned or emailed me to keep me updated and worked to a good timescale for completion. Prepared well for the notary and simplified the answers on any questions or issues that occurred.


    I would highly recommend Francisca for anyone from the U.K wishing to purchase property in Spain.


    She takes away any stress or fear that can happen from entering the unknown legal practice in Spain. I would definitely use Francisca again for legal service, on any future issue or purchasing of property.


    She provided good value for service and would be a future person to go to, for any expat in the Spanish community.


    Apr 30, 2019
  • William Bain
    William Bain, Alicante

    Jose was extremely helpful - I would definitely recommend him to friends.


    Apr 17, 2019
  • Tracey Wicks
    Tracey Wicks, Portimao

    Nothing was too much trouble for Luis , even all my hundreds of questions , which he answered fully and without hesitation.

    Couldn’t have asked for anything more . Excellent service .


    Apr 10, 2019
  • John Seaman
    John Seaman, Valencia

    My lawyer was very supportive, interested in my needs, able to clarify my situation and explain the process and the various options open to me.


    I always felt relieved after each consultation. I will definitely use Inma’s services again


    Mar 21, 2019
  • Kirstin Stokes
    Kirstin Stokes, St Andrews, Scotland

    Francisco advised and managed our recent property purchase in Fuengirola with such friendly professionalism that the whole process was effortless, smooth and completely stress-free!


    Francisco was great at responding to our many questions, quickly addressing any concerns we had and resolving issues judiciously. His advice and guidance has been invaluable and the service provided, from start to completion, has been excellent and great value for money. We are more than happy to recommend Francisco to friends, family and all. Paul & Kirstin, Scotland.


    First class in all aspects.


    Mar 20, 2019
  • Justin Culmer
    Justin Culmer, United Kingdom

    Alvaro was professional, approachable, and very responsive while supporting me with the formal and legal processes in assisting me purchasing my new home in Spain.


    He was consistent in all communication and very informative.


    To improve the service I would suggest to provide a formal summary document of all legal services and formality checks carried out on the property purchase process, (as done in the UK) as a final overall document given to the client.


    Mar 14, 2019
  • Anne Mette Bergmann
    Anne Mette Bergmann, Malaga

    Beatriz has been extremely helpful all through the process of buying our apartment.


    We had some serious challenges in the beginning with the first apartment we wanted to buy and Beatriz went more than all the way to help - we felt so secure in her hands, and still do.


    We will continue to use her service and promote her to anyone who needs a lawyer.


    Beatriz was recommended to us by a very good (Danish) friend in Spain and was he right :-) So we give her our best recommendation.


    Mar 14, 2019
  • Sue Gaunt
    Sue Gaunt, Lanzarote

    He always responded promptly to any enquiries and really took time to explain things I wasnt sure about


    Mar 05, 2019
  • Lee
    Lee, Uk

    Absolutely spot on service, very impressed!


    Jan 14, 2019
  • Mr Olsson
    Mr Olsson, Mallorca

    Rosa spoke English more or less fluently. Very satisfied with the service provided.


    Jan 07, 2019
  • Simon Luddon
    Simon Luddon, Alicante

    This is the second time we have used Jose . Excellent service, Excellent value for money, replied to emails within two hours.


    We just told Jose what we wanted and he just got on with it. I can't praise him highly enough. There is no need for improvements.


    Jan 07, 2019
  • Jim & Susan Heron
    Jim & Susan Heron, Dundee, Scotland

    Beatriz was extremely professional and provided an expert service. She understood our requirements, was very approachable and responded to all questions quickly.


    She explained the differences in legal requirements between the UK and Spain clearly and helped us to understand them. We would highly recommend Beatriz for any legal services.


    We can't think of anything we would like to see improved about the service we received from Beatriz and would have no hesitation in contacting her again if we required any further information.


    Jan 07, 2019
  • Ian
    Ian, Mallorca

    Rosa is helpful and very easy to get on with. She knows many other people in the Mallorca property and legal sectors and I'd recommend her.


    Her English is very good and there were never any language problems on either side.


    Jan 07, 2019
  • Paul Hutchinson (Mallorca)
    Paul Hutchinson (Mallorca)

    I did a little bit of research before appointing Rosa to handle our property purchase in Mallorca, but quickly realised I’d made a great decision.


    From beginning to end, she was highly communicative, helpful and friendly and I can’t recommend her highly enough.


    Jan 05, 2019
  • Martin Kiersnowski
    Martin Kiersnowski, Nerja

    Beatriz has always been friendly and helpful. Would definitely recommend the service to friends.


    Jan 04, 2019
  • Thom Koller
    Thom Koller, London

    Francisca provided a perfect service!


    She is professional, dedicated and took care to understand the needs of my situation. Her service offers exceptional value for money and gives complete peace of mind.


    Nov 05, 2018
  • Andrew Morecroft
    Andrew Morecroft, Lubrin

    Juan was extremely helpful during every part of the purchase. As I was buying an older property there were slight complications but Juan explained every issue and managed to work through the difficulties with supreme efficiency.


    Also there was a ridiculous situation with my Spanish bank account where I could not access the money even though it was in the account. Thankfully I had given Juan power of attorney and he managed to sort-out the problem.


    He went above and beyond the call of duty and I am very grateful for all his help. I would strongly recommend him to anyone looking to buy in the Almeria region.


    Oct 15, 2018
  • David Roots
    David Roots, England

    We were very satisfied with the service we received. Rosa dealt with the matter in hand promptly and efficiently.


    Oct 01, 2018
  • Mrs Ruth Rettie
    Mrs Ruth Rettie, Australia

    We found Teresa to be very helpful , supplied useful information regarding getting our Fiscal number, and about getting help with purchasing a property in Portugal.


    Oct 01, 2018
  • Tauri
    Tauri, Estonia

    Very satisfied with the service. Francisco is bilingual English-Spanish and was always quick to respond and was very professional at all times.


    Sep 25, 2018
  • Tracey Iliffe Bradley
    Tracey Iliffe Bradley, UK

    Rosa dealt with everything efficiently and promptly and went beyond our expectations by helping us to open a Spanish bank account and deal with other minutiae.


    Aug 14, 2018
  • John Ryan
    John Ryan, Derby, England

    A perfect relationship between client and professional. Nothing was too much trouble.


    Went over and above his job and more. I would only use his services if I need legal services. I were very lucky to find Jose first time round.


    Thank you jose


    Aug 08, 2018
  • Mohamed Nasir
    Mohamed Nasir, England

    My lawyer Carmen is a nice lady ,very professional. I would like to be her client again if I need a lawyer in the future.


    Jul 30, 2018
  • Teresa Valencia (Gandia)
    Teresa Valencia (Gandia)

    I'm very pleased with services I received. Buying a house from abroad is not an easy job and thanks to Francisca everything was clear.


    She's very efficient and I highly recommend her!


    Jul 26, 2018
  • Neil Linter
    Neil Linter, London

    Cristina immediately understood our requirements and was essential in guiding us through a very tricky process.


    Jul 24, 2018
  • Mr David P Robson
    Mr David P Robson, Valancia

    My lawyer Francisca offered value for money and was very helpful. Will use her again.


    Jul 12, 2018
  • Claire
    Claire, Fuengirola

    Alvaro assisted me during my experience at advocate abroad, and he was so kind. He answered any questions I had, and made me feel completely at ease.


    I knew I was in the hands of a professional. He could not have done more to help me.


    Jul 04, 2018
  • David Stack
    David Stack, Lliria, Spain

    Francisca was extremely helpful. She made the whole process easy to understand. I would definitely recommend her service to friends.


    Jun 21, 2018
  • Ronald Peter Downs
    Ronald Peter Downs, Spain

    A lady staff member took us under her wing and managed to sort out my residency. Overall no complaints.


    May 29, 2018
  • Tracey and Mike Iliffe Bradley
    Tracey and Mike Iliffe Bradley, Colchester, United Kingdom

    From our very first contact through to the end of our purchase, Rosa surpassed all expectations.


    She was helpful, efficient, always quick to return our communications and a pleasure to deal with. We have already recommended her services to a friend.


    May 29, 2018
  • Rl
    Rl, Alicante

    Felt very comfortable at all times. Nothing was too much. Understood everything mentioned in our meeting. Very reasonable rate, money wise.


    May 24, 2018
  • Cian O'Grady
    Cian O'Grady, Ireland

    We bought a property in spain and Lidia assisted us through the buying process.


    She was very professional and reassured us throughout the process.Her english was very good and we felt that we got good value for our money.


    May 15, 2018
  • PJU
    PJU, Torun, Poland

    Béatriz responded quickly to any queries I raised, with easily comprehensible answers.


    Her fee was very reasonable and she proved to be a very personable and approachable person when we finally met at the Notary.


    May 09, 2018
  • George Salib
    George Salib, London

    Jose Antonio was very professional and has assisted me in every step of the purchase of my flat in Alicante.


    He also assisted me by advising of the most suitable area according to my needs. His commitment and dedication is excellent.


    Jose Antonio was very easy to approach and happy to help in any way he can.


    I will definitely recommend him to my family and friends.


    Apr 23, 2018
  • Pernilla
    Pernilla, London

    We had excellent service from Esther at Advocate Abroad when buying a property in Las Palmas, Gran Canaria.


    Esther speaks both Spanish and English, and is very friendly, professional and genuine. She took care of the whole purchasing process and explained all the steps for us, including giving advice on Spanish bank account, NIE numbers etc.


    We are very pleased with all the help we have received and can highly recommend Esther. Thank you so much!


    Apr 13, 2018
  • L Marshall
    L Marshall, London

    Rosa was excellent. Very efficient and professional.


    Responsive and always available. Extremely helpful - we did not understand the process and she guided us through.


    We would not hesitate to recommend her.


    Mar 28, 2018
  • M Pearce
    M Pearce, Marbella

    Miguel was extremely helpful, he couldn't have done more:


    Always kept us updated on the progress of our purchase

    Always responded to emails in a professional and timely manner

    Always explained to our understanding all aspects of the legalities about the purchase

    Very approachable,courteous and professional


    So much better to deal with than UK property lawyers!


    Mar 05, 2018
  • Tamara Reeves
    Tamara Reeves, Australia

    Anna was very knowledgeable and had prior experience dealing with English clients. She spent a lot of time explaining information and I was never rushed.


    I have continued to use Anna since my first meeting as I trust her judgement and know that she will look after my best interests.


    Feb 15, 2018
  • Ali Hashemi
    Ali Hashemi, Alicante

    Rafael was extremely helpful, accommodating and understanding. He couldn't have done more.


    Feb 14, 2018
  • Lisa Jones
    Lisa Jones, UK

    Kristina was extremely helpful throughout the process of buying my property in Spain. She was very easy to reach at all times and very professional. I would highly recommend Kristina to anyone buying a property in the area.


    Jan 25, 2018
  • Jackie Acres
    Jackie Acres, UK

    Miguel is fantastic, his English is superb. He responds clearly and concisely and always quickly too.


    He is helpful and approachable and has always answered all my questions very thoroughly. He’s very polite and an absolute pleasure to deal with.


    I hope he never retires!


    Jan 25, 2018
  • Norman McElroy
    Norman McElroy, Northern Ireland

    Erardo was very professional, always available and most courteous in all the dealings I had with him.


    I would be happy to recommend Erardo to anyone.


    Jan 18, 2018
  • Gearóid Foyle
    Gearóid Foyle, London

    Emma was bilingual, helpful and always happy to assist. In particular, I appreciated her approachability and understanding.


    I would definitely use her services again.


    Jan 12, 2018
  • Larry Karns
    Larry Karns, Valencia

    Inma is a very approachable, open and knowledgeable professional.


    She is available to meet with us on short notice, is attentive to our needs, answers each of our questions fully and provides appropriate legal solutions.


    Inma is bilingual which has simplified communication and avoids misunderstandings. Her fees are definitely value for the money paid, and we will continue to seek her professional services.


    Jan 10, 2018
  • DP
    DP, United States

    He has been very attentive, efficient, and always anticipates our needs in a timely manner.


    We enjoy working with him and look forward to other future business arrangements when needed.


    Jan 03, 2018
  • Francis Dale
    Francis Dale, Marbella

    Very helpful, quick to respond and very knowledgeable.


    Dec 21, 2017
  • Delphine Harrison
    Delphine Harrison, England

    Jose was excellent from my initial contact to the exchange of the contracts, always responding quickly to my emails even out of work hours, very professional and understanding.


    Jose made the whole experience stress free and quite enjoyable, I would highly recommend him for anybody needing legal advise or business abroad.


    Dec 21, 2017
  • JMB
    JMB, Alicante

    Jose-Antonio was very helpful, always happy to assist. I was very satisfied with the service and would definitely use this lawyer again.


    Dec 19, 2017
  • Tim Burley
    Tim Burley, Mallorca

    A very strange phenomenon with lawyers in Spain - she was working for me rather than just trying to line her own pockets!


    Dec 15, 2017
  • YB & CB
    YB & CB, Scotland

    Our lawyer Rossana has really looked after our interests in the most comprehensive way possible.


    As novice property purchasers in a foreign land, she has done everything (including things we could not imagine as necessary due to our ignorance of local laws, customs & practices) to keep us free from unforseen trouble!


    We have been impressed to such a degree and now have so much confidence in Rossana that we have arranged for her to have ongoing Powers of Attorney, so that she may represent our interests in our absence. She is a most impressive lady!


    I have not the slightest hesitation in recommending her, based on our direct experiences.


    Nov 30, 2017
  • Jane Armstrong
    Jane Armstrong, Playa Flamenca, Spain

    Carmen was efficient and professional at all times.


    Always available to help and advise. Would definitely recommend.


    Nov 15, 2017
  • Bruce and Susan Moore
    Bruce and Susan Moore, England

    Great responsive and assured service


    Oct 31, 2017
  • Bruce Moore
    Bruce Moore, United Kingdom

    Complete confidence and removed any hassle from the process.


    Even better was the willingness to provide follow up support and guidance. A great service!


    Oct 31, 2017
  • David Gough
    David Gough, Villamartin,

    We found Carmen to be very approachable and professional - she guided us all the way through the process of buying our property always available to answer our many questions either by phone or email.


    The cost of this service was very reasonable and after the sale was complete she then went on to complete our Spanish wills expertly guiding us through the Spanish inheritance laws.


    We would not hesitate to use her services again in the future or to recommend her to friends.


    Oct 18, 2017