SVS Projects work with many professional and dedicated people whom we would highly recommend, please feel free to view their details.

NatWest

When buying property in Spain you need to know that you are dealing with a company you can trust.

Our Spanish mortgage team is bilingual in English and Spanish with local knowledge to assist you with every aspect of buying a property in Spain.

The Spanish Mortgage is provided by Adam & Company plc trading as NatWest, a UK subsidiary of The Royal Bank of Scotland Group.

Contact Simon Clark on:
07799 868851 (mobile)
simon.clark@adambank.com

Residential mortgage
Planning to buy a home in Spain? Whether you want to buy a property for holidays, as a home or for your retirement, the Spanish Mortgage is for you. Provided the Spanish property is fully constructed, structurally sound and ready for occupation we can help you.

Flexible options
The Spanish Mortgage offers loans in sterling and euro with a choice of interest only or interest and capital repayment options.

Currency mortgage
Even if your income is in sterling you may prefer to take out your Spanish mortgage in euro as the property is valued in euro.

Equity release
You can release equity for any purpose by increasing your loan provided that the total amount borrowed does not exceed 75% of the value of the Spanish property. A first legal charge will be required and the necessary local authority permissions must be obtained.

The Spanish Mortgage is designed for people wishing to occupy the property. Although you will be free to rent the Spanish property out for holiday rentals, the Spanish Mortgage is not for anyone planning to let on a long-term commercial basis.

Please read this important legal information

YOUR SPANISH PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

James Hampden Insurance

OVERSEAS HOME INSURANCE
UK Call 01332 693200

Welcome to this unique link to quality insurance for your holiday home or permanent residence abroad.

Whether buying ‘off plan’ or an established property abroad it is an exciting experience and it is easy to say ‘yes’ when offered insurance by your property agent or lawyer at the time of the purchase. The cover however may not be suitable or arranged correctly and the policy may well be in a foreign language…not helpful when making a claim!

Your overseas home is a major investment, and for much of the year it is rented out or left unoccupied. It is situated hundreds, even thousands of miles away and when things go wrong you need to be able to resolve matters with someone who understands your problems and special requirements.

The risks associated with overseas property are quite different to those of your main UK residence. There is a real need for an insurance policy written in plain English, paying particular attention to the special requirements for holiday and second homes whilst providing the widest possible scope of cover.

James Hampden Insurance Brokers Ltd have arranged with Hiscox to offer you cover for your holiday home or permanent residence that is designed precisely to meet this need.

James Hampden has chosen Hiscox because they are no 'ordinary' insurance company. Their policies are market leading with no restrictive policy conditions, hassle free administration and their first class claims handling with a 'speed of settlement' guarantee.

Although Hiscox are based in the UK, policies can be issued in either Euro or Sterling.

Frequently Asked Questions…..
Insuring your overseas property can be a little daunting when faced with local regulations, taxation and market practice which can differ greatly from the UK. James Hampden Insurance Brokers and Hiscox have the expertise to ensure your property is properly covered. Here are a few of the most often raised questions, with answers. If you need more detailed information then simply call our UK sales team on 00 44 (0)1332 693200 during office hours and they will be pleased to help.

Why Hiscox?
James Hampden Insurance has chosen Hiscox because they are no ‘ordinary’ insurer. A specialist insurer in this sector, they have a reputation for providing a wide scope of cover without restrictive conditions. Claims service is first class and Hiscox are one of very few insurers to offer a ‘speed of settlement’ guarantee. They have knowledge of local markets, including taxation, contractual obligations and market practice. This means there are no surprises for you when a claim arises. Hiscox have an A-(Excellent) rating from A M Best for financial strength and operating performance.
So, who better to cover your cherished investment!

Why insure in the UK when my property is in Spain?
Your Hiscox policy will be written in Plain English so that you can understand what is covered, and what is not! There are minimal ’conditions’ to ensure you enjoy the best protection possible. Your policy can be issued in Sterling or Euro and you will have full back up from our support teams here in the UK.

I reside permanently abroad, is cover available for me?
Yes, we have specific products for both Holiday Homes and Permanent Residences and both buildings and contents covers are available.

We employ a gardener and cleaner, are they covered?
All our policies provide Employers Liability cover to protect you against claims for negligence by employees resulting from bodily injury whilst in your employment.

What happens if I need to make a claim?
Simply pick up the phone and ring our Claims Department to notify the incident. If local assistance is required we will appoint an English-speaking loss adjuster who will work on your behalf to coordinate any remedial action needed. Our ‘speed of settlement’ guarantee ensures that for claims over £2,500 you receive payment directly into your bank account within ten working days of our having received your signed form of acceptance.

What about if we need to be present on site after a claim and have to travel especially?
No Problem, we will pay up to £1,000 towards your travel expenses.

Is theft cover in force when my property is left unoccupied?
Yes, provided violence or force has been used to enter or leave the premises.

Why do I need to insure the building of my property again when it is already insured under the communities ‘block’ policy?
The simple answer is that you don’t. We can provide cover for your fixtures and fittings i.e. kitchen, wardrobes, air con etc which you would need to replace once the structural repairs to the building had been completed. The amount to be insured is considerably less than the building itself, so you can save money too!

Does full cover apply when my property remains unoccupied?
Cover does apply but if the unoccupany is going to be more than 30 days then read your policy documentation carefully to ensure you comply with any specific unoccupancy requirements such the need to shut off the water supply at the mains etc. Loss of metered water is however excluded whilst the premises are unoccupied for a period of more than 30 days

Will I have ‘Accidental Damage’ cover?
You will have the option to extend your policy to cover accidental damage to buildings and contents.

What if I need to cancel my policy?
You may cancel your policy up to 14 days from the start of the contract and you will receive a full refund of premium .Otherwise you can cancel at anytime in writing and if no claim has been made we will refund any premium for the period of insurance left. We will not however return any premium if the amount is less than £25.

Remember, the above are an example of typical questions and answers and you should always read your policy and other documentation carefully to ensure it meets with your requirements. All specimen documents are available on request.

Contact Lynn Dewsbury:
01332 693200
lynn.dewsbury@jameshampden.com

The Royal Bank of Scotland

The Spanish Mortgage offers a service especially designed for UK nationals who do not hold a Spanish resident's permit. With it you can arrange finance for purchases anywhere in Spain, be they on the mainland, the Balearic Islands or the Canary Islands.

Contact Simon Clark on:
07799 868851 (mobile)
simon.clark@adambank.com

Mark Carr Associates

In today's modern and ever changing world, it is of greater significance than ever to regularly review your financial position. Providing you with totally impartial and professional financial advice from the widest range of products and services available in the market. Being reglulated by the Financial Services Authority means that we are duty bound to always give you the best advice.

Contact Mark Carr on:
+44 (0)115 940 8577

WPA

Flexible and professional health insurance for you and your family, professionals, employees, and the self employed. In 1901, a group of workers got together and put their hard earned wages into a fund that covered the cost of their healthcare. Over a century later that fund has become WPA, remaining true to the principle of making healthcare affordable for hundreds and thousands of people.

Rightmove

An established property portal, positioned as the 7th largest website in the UK and six times greater than our nearest rival. Our purpose is simple - to give estate agents, lettings agents and new homes developers a premier showcase for their properties to the largest UK audience of home hunters.

Mouse Sale

Sell Your House Without a Traditional Estate Agent.
mousesale.co.uk can help you sell your house with or without a traditional estate agent - anywhere in the UK or even abroad. Our UK-wide Regional Partners can provide you with all the help and tools you need to sell your house. We can even supply your own professionally made For Sale board - attracting prospective purchasers directly to you and not an expensive middle man. Even vendors who have already instructed a traditional estate agent can still find a buyer themselves - without paying a selling fee. The Internet is revolutionising the way that property is sold in the UK. 82% of UK homebuyers now search for their home on the internet.