THE NAKED AGENT SPAIN

• What documents do I need?
• What extra purchase and mortgage charges do I have to allow for?
• What will the final cost be? 
• What can I really afford?
• When is it safe to pay a deposit?
• How do I know if the property is legal?
• How do I get a mortgage which is right for me?
• What are my obligations as a Spanish property owner?

I found the book uncomplicated, practical and to the point. It makes the whole mortgage and purchase process so transparent. The checklists and guidelines are excellent and really helped me save over two thousand Euros when I took out my mortgage.

--- D. Fitch, Costa del Sol, Spain

"Whether looking to trade up or down or whether buying your very first property in Spain this guide is a must-read for all."

"Thanks to your book I now know exactly what I can afford, and what I need to do to get the right mortgage for me"

Excellent book which helped me calculate how much I could afford overall, taking into account all the costs involved in purchasing and how much I could get on Spanish mortgage based on my earnings in the UK. Saved me time and money!

--- S. Patel, London, UK

"So, how much does this essential
e-book cost?"

Shaman Chellaram is an international property consultant and broker.  He spent 5 years in Spain in conjunction with Hamilton Homes focusing largely on residential and commercial real estate.  He is now the director of Evantis Group Limited – a Hong Kong-based real estate consulting firm.   He has been involved in many aspects of real estate transactions including commercial and residential acquisitions and sales, project consulting, development appraisal, investment analysis and real estate financing.  In 2006 he appeared on the British TV show, ‘Fly to Buy’ and conducted a series of “Property Investment” interviews with REM FM – a Spain-based radio station.  His philosophy on advising clients is clear: “Whether looking to buy a commercial investment property or a residence for self-use, our aim is to understand our buyers’ requirements and to ensure the buyer is given the full knowledge and confidence to make the right decision, both financially and emotionally.”

Why write this book?

“Over the years, experience has shown that many buyers begin their journey without really understanding the full financial implications of buying and owning a property, whether in Spain or in some of the world’s other key real estate markets.  Many are unaware of the ‘actual’ costs involved, and some do not have a clear idea of what they can afford on a mortgage.  Many agents fail to articulate this clearly for clients. From experience, mortgage affordability and budget calculation are two of the most important issues in any purchase process, yet often they are only dealt with once the buyers have found and committed to a property they like.  Many times buyers will over-stretch themselves without realising the true financial implications.  Alternatively, in some cases they have to begin their search again.  With the help of the internet buyers are becoming more knowledgeable and conducting their own due diligence.  However, at a time where market conditions are tough, but buying opportunities are present, this book has been written to put you, the buyer, in the driving seat, and give you confidence along the buying journey ahead.  The information and insider tips contained in this book show you how to avoid common pitfalls, potentially saving you thousands of Euros, not only along the purchase process itself, but over years to come as a property owner in Spain. While this book has been written specifically for the Spanish market, the basic fundamentals and lessons in this book are applicable across many other real estate markets.”

Happy House Hunting The Naked Agent way!