MURCIA

Tel: +34 638715406 / 968137688

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JMP

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Murcia Property Rentals

Murcia Property Rentals

We are able to provide clients with a complete rental service, including the advertising and marketing of the property if required.

We work with all the main web portals in order to advertise your property and will register it with the local authorities on your behalf in order to obtain a rental licence.

We manage both short and long term rentals depending on the clients requirements.

If you wish to rent out your property and require assistance please contact us.

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Murcia Property Rentals - 5.0 out of 5 based on 1 vote

Inspection Trips

Inspection Trips 

If you are considering purchasing a property in the Murcia region, and would like to view properties with our company we are happy to arrange a no pressure inspection trip for 2 people for 2 nights.

The visit will include transfers to and from the airport, 2 nights accommodation for 2 people, a local area tour, viewings of your preferred properties and also accompanied visits to lawyers, banks and notary if required. The accommodation will be in self catering apartments on one of the local resorts depending on your property requirements.

We tailor each inspection trip to individual requirements and an itinerary will be agreed with you prior to your arrival. We will also give you a full tour of the local areas so hiring a car isn’t necessary if you prefer not to incur this additional cost.

If you would like to book an inspection visit then please contact to arrange the details and discuss your property requirements in further detail.

Terms & Conditions for Just Murcia Property Free Inspection Trip Offer:
• Dates of our trips are flexible and based on availability of suitable accommodation. We cannot guarantee availability for any dates.
• There is a maximum 2 night stay for a maximum of 2 people and meals are not included. Additional nights or accommodation for additional guests can be arranged but may be chargeable.
• Flights and travel costs from your home country to Spain are not included and must be booked independently by you..
• Inspections trips cannot be added to any other existing trip or holiday.
• Inspection trips are subject to all attendees viewing properties exclusively with Just Murcia. Property. Viewings with other agents, banks or developers during your stay with us are not permitted.
• Just Murcia Property only offer inspection trips subject to and following pre-qualification of intent and ability to purchase.
• Just Murcia Property reserve the right to decline any application for free accommodation for any reason and at their sole discretion.
• Our inspection trips are strictly "no pressure" and designed to be stress free and informative. By attending you are under no obligation to purchase a property through Just Murcia Property either during or following your trip.

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Inspection Trips - 5.0 out of 5 based on 2 votes

Privacy Policy

This privacy policy sets out how Just Murcia Property uses and protects any information that you give Just Murcia Property when you use this website.

Just Murcia Property is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

Just Murcia Property may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 01/01/2018.

What we collect

We may collect the following information:

Name
E-Mail address
Demographic information such as postcode, preferences and interests
Other information relevant to customer surveys and/or offers

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

Internal record keeping.
We may use the information to improve our products and services.
We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

Whenever you are asked to fill in a form on the website, you will need to tick the box to give your specific consent to the transmission of the information. This information is not stored on the website, it is not used for direct marketing purposes, and is deleted when no longer required.
We will not divulge, sell, distribute or lease your personal information to third parties under any circumstances. 

You may request details of personal information which we hold about you under the Data Protection Act 1998. If you would like a copy of the information held on you please e-mail Just Murcia Property at

If you believe that any information we are holding on you is incorrect or incomplete, please email us as soon as possible. We will promptly correct any information found to be incorrect.

Privacy Policy - 5.0 out of 5 based on 2 votes

Spanish Mortgages

Spanish Mortgages

Mortgages in Spain for non tax resident buyers are available up to 70% loan to value.

For non EU tax residents the maximum loan to value may be restricted to 60%.

Spanish Banks work on debt to income ratios using net incomes as declared on personal tax returns or the total income of applicants living non taxpaying jurisdiction as long as these can be justified by other formal documentation like Bank statements and employment contracts. The Banks in Spain will want to see that that the percentage of net incomes being used for monthly debt payments does not exceed around 35%, although each individual Bank will have a slightly different way of assessing and a slightly different maximum ratio.

Confirmation of incomes and liabilities is required to be seen on formal documentation which will include tax returns for those residing in tax paying countries, bank statements and personal credit files where these are available. For self employed applicants business data such as accounts and company tax returns may also be required.

Most Spanish mortgages are variable trackers which are linked to the 12 month Eurobor. It is also normal for Spanish banks to charge a first year premium rate which reverts to the variable in year 2. After the first year the Banks charges a margin which remains static for the lifetime of the loan and review the rate yearly against the published 12 month Eurobor at the annual review.

In Spain fixed rates are not a standard offering but most Banks will have a limited offering. Fixed rate offers cannot be secured at application the rate offered will be that available at full offer and higher redemption penalties apply.

Early redemption penalties are restricted by law in Spain and for variable products cannot exceed 0.50% in the first 5 years and 0.25% thereafter; this is for full and partial overpayments. For fixed rates early repayment levels can be up to 4.5%.

Repayment loans are the only mortgages available in Spain, there is no interest only facilities.

General terms of mortgages are up to 25 years but a few Banks will offer up to 30 years with Spanish Banks having age restrictions of up to age 75 years as a maximum.

Spanish mortgages will come with compulsory products attached, as a minimum this is a Bank account held with the Bank that grants the mortgage and buildings insurance but in most instances life cover contracted with the bank will also be required and the rate offered will be linked to the contracting of these products and written into the mortgage deed.

Costs of completing on a mortgage in Spain will include valuation fee, bank arrangement fees, notary and land registry fees and mortgage deed tax called AJD. Apart from the Bank fee, which can vary from Bank to Bank, all other costs associated with a loan are not related to the Bank specifically but form part of the securitization costs applicable to all lending. All costs except valuation fee are taken at completion.

To ensure you know what your comfortable budget would be, to give confidence when making an offer, and because when buying in Spain it is normal for some monies are passed before completion it is usually good advice to put in place, before committing to buying an approval in principle to the borrowings required.

Mortgage advice is best gained from an experienced and professional independent company who speak your language to ensure you have access to the best possible options available to you, a clear and concise view of the costs and a detailed understanding of the Spanish mortgage market.

For professional unbiased advice, budget analysis and a no cost and no obligation full financial approval service you can contact International Mortgage Solutions SL.

Spanish Mortgages - 5.0 out of 5 based on 1 vote

Murcia

Murcia

The region of Murcia is situated in the South East corner of Spain. It is renowned for its great climate and it is claimed has 330 days of sunshine per year. The region has seen many changes over the last few years primarily due to an increase in tourism and investment in infrastructure, due to financial assistance from the European Union.

The city of Murcia was built in 831 when the Emir of Adberraman II commissioned a walled city on the banks of the Segura River. The city is surrounded by mountains and has many attractions for its visitors. The old town is situated next to the Segura River and the streets within this area have kept the names of the professions that used to work there. There are two lovely buildings in Plaza Cardenal Belluga - the Episcopal Palace which was built in the 18th century and the Cathedral, construction of which began in the 14th century. In addition to the historical attractions you will also find water parks, safari parks, aquariums, museums, sports facilities and great shopping malls.

Outside of Murcia city there are many beautiful towns, and also the coastline of the Costa Calida which attracts many visitors each year. The coastline of Murcia is un-spoilt which is unusual in Southern Spain, this is due to strict building regulations regarding the development of coastal land. You can therefore still enjoy a relaxing walk along promenades in coastal towns like Los Alcazares and San Pedro del Pinatar. You can drive along La Manga Strip, and enjoy a beer overlooking the Mediterranean and then walk across the road to have lunch on the beaches of the Mar Menor. You can visit the protected beaches on the nature reserve in Calblanque or enjoy a round of golf at the famous La Manga Club. You may also want to visit Mar de Cristal with its beautiful beach and views across the Mar Menor.

Aside from the regions geographical attractions there has been a lot of investment made in the last few years in the development of golf resorts. These include the Polaris World Golf Resorts, Mar Menor Golf, Terrazas de la Torre, El Valle, La Torre and Hacienda de Riquelme and also Roda Golf based in Los Alcazares. These facilities provide guests with a safe family environment in which to enjoy all the services associated with a resort holiday.

There is also the wonderful La Manga Club which offers clients a 5 star luxury holiday location and is frequented by many guests on a regular basis. The facilities on this resort are unrivalled within the area, having 3 golf courses, LTA approved tennis centre, 5 star hotel, bars, restaurants and many other attractions.

Overall Murcia is a great place to for people to enjoy all year round and can offer some of the most attractive investment opportunities within the property sector. And Corvera Airport is now open and international!

Murcia - 5.0 out of 5 based on 5 votes

Property Management

Murcia Property Management

There are many companies offering a comprehensive property management service to clients within the Murcia area. We like to think we are different to the others due to our years of experience and dedication to customer service.

Just Murcia Property can offer clients differing levels of service depending on their requirements. These services range from solely holding a clients key to their holiday home in case of emergencies or tradesmen requiring entrance when the owner is absent, to a full twice monthly inspection service with monthly updates sent via e-mail.

Every owner may have specific requests which we will try our best to incorporate into our individual annual contract. We like to ensure that clients can be 100% comfortable in the knowledge that in their absence their property is in safe hands.

If you require a full rental service where your property is marketed on our website and other portals, this gives you added marketing to increase your rentals and income. We provide a complete advertising and marketing package, or we are happy to supplement any current marketing arrangement you may have already in place.

If you therefore currently own a property within the Murcia region and would like to receive further details of our service please contact us for more details.

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Property Management - 3.0 out of 5 based on 21 votes

Building Services

Murcia Building Services

Just Murcia Property are able to provide a complete menu of building services for clients. This can range from altering kitchens and bathrooms, to complete building projects. Our team of people who have lived and worked locally for many years, and therefore know the best suppliers and professionals within the area.

As many of you are aware when you purchase a new property in Spain there are usually many things that need to be supplied to make it habitable. Also if you are purchasing a re-sale you may want to make alterations to installations that are currently in-situ due to wear and tear or personal choice.

Our professionals are very happy to show clients completed work of a similar nature and can provide references on request.

If you are therefore considering getting a quote for any type of building work please contact us and we will arrange a suitable time to discuss with you in more detail.
 

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Building Services - 4.3 out of 5 based on 7 votes

About Us

La Manga

Just Murcia Property is a family run company, based near to La Manga Club, that is dedicated to providing a comprehensive, but flexible, range of services to meet all client´s individual requirements.

Having lived in Murcia since 2004, and during this time have provided various services to clients within the property arena. We currently live in a small village close to the renowned resort of La Manga Club. We are therefore perfectly situated to provide our clients with a timely and professional service.

During our time living in Spain we have built our own house, bought and sold several properties for investment, and we currently own several properties which we rent on a long term basis. We have therefore experienced the property market from all angles.

Our main objective is to provide clients with a personalised service as we appreciate that people have differing requirements depending on their own individuals circumstances.

Please feel free to contact us regarding any property related requirements you may have, and we will do our utmost to provide you with a cost effective and timely solution.

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About Us - 4.1 out of 5 based on 15 votes