Home insurance
We help you take out home, contents and liability insurance designed for a second home.
New: over 700 new-build developments on the Spanish coast
HomeHow we work
We're with you from the first call to the keys
A seven-step method, with an advisor who speaks your language and no fees for you.
7steps, one single team
0 €fees for you
5languages
5,0 ★on Google (22 reviews)
Our method
Seven steps and the same team by your side
Buying a home in another country can feel daunting. That's why we do it step by step, with an advisor who speaks your language and supports you from the first call until long after you receive the keys. You set the pace; we make sure every step is clear.
- 01We listenA first conversation, no obligation
- 02Your numbersFinancing and costs, made clear
- 03Viewing tripTwo or three days on the coast
- 04Your homeChoose without rushing
- 05Safe purchaseIndependent lawyer
- 06Construction underwayPhotos and progress
- 07The keysInspection and handover
- And afterwardsAfter-sales in your language
Step 01 · First conversation
We start by listening
Are you looking for a second home, a house to live in all year round or an investment to rent out? Before showing you anything, we want to understand what you need: what the home is for, how much you want to invest, which areas appeal to you and what you won't compromise on.
We talk by video call or at our Alicante office, in Spanish, English, Polish, Dutch or French. With that information we suggest the areas and developments that genuinely fit your budget.
What are you looking for?
On the first call we talk about
Video call or in AlicanteIn your language
Step 02 · Financing
Your numbers, clear from the start
Before travelling it's worth knowing how much you'll need in total. We help you prepare the full budget and, if you want to finance part of it, look into a mortgage with Spanish banks. The first consultation is free and with no obligation.
- Non-resident mortgage: usually up to 60–70% of the value, over 25–30 years
- Free financing simulation
- All purchase costs from day one: VAT, stamp duty, notary, land registry and administration
- We help you get your NIE and open a bank account in Spain
Work out your budgetIndicative
You need to contribute
Monthly payment
Mortgage
Purchase costs
Indicative calculation with 13% purchase costs (between 12 and 14% depending on the region). The interest rate and the financed percentage depend on the bank and your profile.
Step 03 · Viewing trip
Come and see it with your own eyes
Photos help, but you choose a home by standing on the floor, seeing the light and walking around the area. That's why we suggest a two- or three-day viewing trip to the coast, with the developments selected for you.
We help you set the dates and choose accommodation near the developments, and pick you up at Alicante-Elche airport. Your advisor comes with you to every viewing, in your language.
Can't travel right now? We run virtual viewings by video call, live from the development.
What a three-day trip looks like
- Day 1Arrival and first walkPick-up at Alicante-Elche airport and a first look around the area.
- Day 2Development viewingsShow homes, communal areas and surroundings of the chosen developments.
- Day 3Second viewings and questionsWe go back to your favourites and answer your questions.
Step 04 · Choosing
What we compare with you
Find your home, without rushing
During the trip we organise viewings by area, so you can see each development calmly and compare them. We show you the show homes, the communal areas and the surroundings: the beach, services, orientation and even the street noise.
Nobody will rush you. When you're sure, we help you reserve your home and explain the developer's payment plan.
Orientation and lightFloor and viewsDistance to the beachFinishesCompletion dateCommunity feesPayment plan
Step 05 · Safe purchase
A safe purchase, in your language
We work with an independent law firm that reviews the purchase for you and explains it in your language: the contract, the building licence, land ownership and the guarantees on your payments.
The firm also processes your NIE and, if you can't come to sign, prepares a power of attorney so someone else can sign on your behalf. If needed, it advises you on your will and the taxation of your home in Spain.
What your lawyer checksPurchase file
- Reservation and purchase contract
- Building licence and land ownership
- Bank guarantee or insurance on your stage paymentsRequired by law
- NIE and Spanish bank account
- Power of attorney, if you can't travel
- Will and taxation in Spain
A firm independent of the developer, with service in your language
Personalised search
Let's find your home together
Tell us what you're looking for. It's free and with no obligation: within 24 working hours you'll receive a selection of up to 5 developments that suit you.
- Up to 5 developments chosen by an advisor
- Up-to-date prices, floor plans and completion dates
- An estimate of all purchase costs
- Reply in your language
5,022 reviews on Google
Barbara WolanickaReplies in Spanish, English or Polish
Thank you!
An advisor will review your search and write to you within 24 working hours with a selection of developments.
Step 06 · Construction
Follow your build from home
If you buy off-plan, months go by between reservation and handover. During that time you're not on your own: we visit the site regularly, send you photos and tell you how each phase is progressing.
We remind you of each payment in the developer's plan and, when you come to the coast, you can visit the site with your advisor or drop by our office to see how it's going.
Construction report · exampleYour development
0 %- Building licence
- Foundations
- Structure
- Façade and enclosuresIn progress
- Installations and finishes
- First occupancy licence
- Deeds and keys
Photos from the latest site visit, in your inbox
Step 07 · Handover
The keys to your new home
Before signing the deeds we inspect the home with you, room by room. We note any detail that isn't perfect and the developer fixes it before handover.
Then you sign before a notary and receive the keys. If you can't come, it's signed with the power of attorney your lawyer prepared. And we help you connect electricity and water so you can move in hassle-free.
1 yearfinishes
3 yearsinstallations and habitability
10 yearsstructure
Guarantees Spanish law requires for every new home.
Pre-handover inspection
- Doors and windows
- Water, electricity and air conditioning
- Floors, walls and finishes
- Terrace: floor jointTouch-up
Key handoverWhen everything is in order
And after the keys
We stay by your side
The relationship doesn't end at the notary. We help you get the house up and running and sort out whatever comes up, even when you're far away.
Electricity, water and internet
We set up the utilities, internet connection and TV
Rent out your home
We explain the tourist licence and put you in touch with trusted rental managers.
Calculate your yieldTaxes and paperwork
IBI property tax, waste tax, non-resident tax and registration: we put you in touch with advisors who handle it for you.
Our office
We look forward to seeing you in Alicante
Homiia · AlicanteAv. Alfonso El Sabio, 03002 Alicante, Spain
By appointmentIn person at the office or by video call, whenever suits you
+48 516 345 745sales@homiia.com
SpanishEnglishPolishDutchFrench
Licensed Real Estate Agent API-00775
5,022 reviews on Google
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Discover more Homiia properties
Over 700 new-build developments along the Spanish coast, with direct contact with the developer, service in your language and €0 fees for you.
+48 516 345 745·sales@homiia.com
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