Homes and Mortgages
Buying or selling a property is one of the most important financial decisions we can make. At Notaría de Blas & Lluna, we accompany you throughout the entire process so that you can complete the purchase or sale of your property or arrange a mortgage with full legal guarantees.
The notary verifies the legality of the transaction, reviews the necessary documentation and explains the legal aspects of the deed to the parties before it is signed.
Whether you want to buy or sell a flat, house or any other property, or need to arrange a mortgage, you can rely on our notarial advice.
Property Sales and Purchases
Signing before a notary legally formalises the transfer of ownership and records the terms agreed between the buyer and the seller.
Before signing, the property documentation is reviewed and relevant aspects such as ownership, charges, the land registry status and any other circumstances that may affect the transaction are checked.
Mortgages
Arranging a mortgage is a transaction that requires a public deed and compliance with certain legal requirements.
At the notary office, we explain the terms of the transaction and the contents of the deed so that you can sign with a full understanding of the rights and obligations you are assuming.
Required Documentation
The required documentation may vary depending on the type of transaction and the circumstances of each property. In general, for a property sale or purchase, the following may be requested:
- Valid ID card, NIE or other valid identification document for the parties.
- Property title deed.
- Land Registry information for the property.
- Energy Performance Certificate.
- Certificate of occupancy, where required.
- Latest IBI property tax receipt.
- Certificate from the homeowners’ association confirming the payment status, where applicable.
- Information about any existing charges or mortgages.
- Deposit agreement or private sale and purchase agreement, if applicable.
- Information about the payment methods intended for the transaction.
In the case of arranging a mortgage, it will generally be necessary to provide the borrowers’ personal documentation and the documentation relating to the mortgage loan and the property.
The notary office will inform you of the specific documentation you need depending on the characteristics of your transaction.
Frequently Asked Questions about Property and Mortgages
The sale and purchase of a property can be formalised by means of a private agreement, but a public deed before a notary provides important legal guarantees and is the usual way to register the transfer with the Land Registry.
The notary reviews the legal aspects of the transaction and the documentation provided, verifies the identity and legal capacity of the parties and checks, among other matters, the ownership and Land Registry status of the property.
Yes. A property with an outstanding mortgage can be sold, but it will be necessary to determine how the loan will be settled or how the existing mortgage debt will be dealt with.
The required documentation may vary in each case, but it will generally include the property title deed, Land Registry information and documentation relating to the property, as well as certain tax and administrative information.
It is the public deed by which a loan secured by a mortgage over a property is formalised before a notary.
Arranging a mortgage may involve different costs and taxes depending on the characteristics of the transaction. Before signing, it is important to know which costs are the responsibility of each party.
Yes. The notary must inform and advise the parties about the transaction they are going to formalise, answer their questions and explain the contents of the deed before signing.
The timeframe depends on the complexity of the transaction and on whether all the necessary documentation is available. It is therefore advisable to contact the notary office in advance to prepare for the signing and check that no documents are missing.
Do you need to arrange a property sale and purchase or a mortgage?
At Notaría de Blas & Lluna, we offer you professional and approachable advice so that you can complete your property transaction with security and confidence.
If you are considering buying or selling a property, arranging a mortgage or formalising any other property transaction, get in touch with us.
We help you prepare the necessary documentation and answer your questions before signing.
Do you have any questions? We’re here to help
Tell us about your situation and we’ll guide you through the steps you need to take. We’ll help you answer your questions and find the best way to handle your notarial matters.