Presence in and knowledge of the Spanish property market together with established relationships with lenders enables us to source the right product for the right portfolio.

We provide a specialist financing service tailored to the needs of UK & Irish non-resident property owners & investors in Spain through our wide ranging panel of lenders.

Critical to our positioning as a first choice advisor, our core strengths are as follows:

We have a dedicated team focused on the personal needs of each individual client. Our objective is to ensure that we assist clients with independent & professional legal representation whilst also providing personalised taxation advice.

We work closely with our clients to understand their specific needs & requirements in order to devise tailored solutions for any given situation that may arise. Our legal & tax practitioners are fully regulated by the Spanish regulatory authorities.

We provide the following main services:

Through our wide ranging panel of lenders, recapitalise provides financing facilities for normal purchasing transactions whilst also offering personalised mortgage solutions to high net worth individuals and partnerships. Our aim is to ensure that the most suitable product is selected to match the investors’ personal circumstances.

Our level of service to investors encompasses the following:

If nothing else it must not be forgotten that UK & Irish mortgage holders experienced events quite similar to these as brokers keenly offered endowment mortgages as the best method of home finance. They inadvertently neglected to mention the likely downfalls associated with those products – quite a similar story being cited by some Spanish owners today.

Furthermore, the majority of non-resident mortgage holders are unaware of the true extent to which they find themselves now. Unaware of the base interest rate applicable to the loan, unaware of the variable rates linked to the primary rate, unaware of the number of years associated with the loan and unaware of the auxiliary products connected to the mortgage. All of these essential pieces of information can be modified accordingly to yield significant cost reductions for property owners. recapitalise has successfully guided and advised numerous clients in switching their mortgage to a preferential low cost lender at the minimal of cost.

So why would anyone contemplate reviewing their borrowing status?

Well, for a number of reasons being the following:

The buying process for any property transaction tends to be relatively straightforward except in the case where the buyer is unable to speak the language or interpret the laws of the country in which they have acquired their new property.

The famous Latin phrase Caveat Emptor (Let the buyer beware) can be applied in this context under the pretext that people have neglected the basic formalities attached to their purchase. The majority of cases presented to recapitalise have shown that people either have left their complete purchase transaction in the hands of others who in some circumstances have benefited from this transaction, or have searched unsuccessfully in their pursuit of a reputable organisation to facilitate and structure their legal & fiscal requirements.

As with any investment, it is essential to carry out a complete and comprehensive review on all aspects of a proposed investment.

Through our Property Consultancy and Legal divisions we ensure that the products offered to prospective clients are evaluated for the following requirements:

recapitalise has a specialist taxation division that comprises of regulated Spanish Accountants & Gestors who provide a fully comprehensive personal tax advisory service for non-resident individuals.

Our specialists provide advice and help on any tax matter that may arise and place great emphasis on producing savings through timely planning.

Inheritance tax issues are primarily one of the most commonly requested matters for investors. Having accumulated property in Spain as a pension or a means of succession assets, the final opportunity for the Spanish authorities to take another slice of those gains built up over the years arises upon the passing of that property to the next generation. recapitalise can advise clients on the best position to take in order minimise this outcome through innovative tax planning.

Other tax and legal issues arising in relation to the purchase of a property in Spain vary from case to case however below are a number of recurring issues that our clients have frequently been consulted about:

With the consequences of declining yields in both the UK & Irish property markets many domestic investors are now viewing the Spanish property market as an alternative investment opportunity due in part to its own subsequent “Property Crunch”. With these underlying market conditions favouring experienced long term investors, recapitalise is now in a position to provide in-depth investment advice as well as offering highly profitable & exclusive investment opportunities with discounts of up to 40%-50% less on property prices quoted six months prior.

The Spanish property market has always been regarded as a lucrative investment area in which to make profitable returns whilst also having the added benefit of facilitating personal usage. In recent years, many potential investors decided against acquiring a property in Spain as they viewed it as an overly-priced holiday destination that could not sustain the price levels achieved in such a short period of time. These seasoned investors were being priced out of the marketplace by the one-off ‘speculator’ individuals who, through unsustainable demand, drove prices to unrealistic levels. The result was a glut of similar type properties on the market and the disappearance of those speculators to cheaper markets namely Eastern Europe. Their absence subsequently heralded in the buyers of second homes – commonly referred to as “residential tourism” buyers.

However, over the last number of months the levelling off of the market has introduced a new and somewhat astute & savvy investor to enter the fore. This investor views Spain as a long term investment, distinguishes it as being less risky & less volatile to other overseas locations, perceives it as a high growth economy based on the level of infrastructure in place through continued local and central government investment and more importantly, sees that Spain continues to be a high demand location for Spaniards and Northern Europeans.

For overseas property investors it is imperative to ensure that an economy to which your capital will be invested into is secure and stable. Not only is Spain the eighth largest global economy, but it has also grown at a faster rate than the euro-zone in the last years (3.5% in 2007 in comparison to 2.6% in the EU-27 and 2.3% in the euro-zone). Spain commands a privileged geo-strategic position, it is a modern knowledge-based economy with services accounting for 67% of economic activity and it has become a centre of innovation supported by a young, highly-qualified work force and competitive costs. In a recent survey published by Ernst & Young, Spain ranked as fourth in Europe in 2007 as regards attracting foreign investment.

As for quality of life, Spain is renowned for the open-minded character of its people and the wealth of opportunities on offer, both in the fields of education and culture and in the worlds of sport and leisure. Spain has a wide range of public and private hospitals, good road and rail networks and an impressive array of airports. It comes as no surprise that Spain is ranked second on the world list of tourist destinations, not only in terms of visitor numbers but also in terms of revenues generated.

The key aspect before investing in Spanish property is to be in possession of the major underlying facts in order to make an informed decision. Our aim is to understand and complement your purchasing requirements in order for you to make the right choice; we then facilitate you right through the whole purchasing process.

recapitalise is able to provide a service to:

recapitalise provides comprehensive consultancy services in the fields of re-mortgaging, financial planning through legal & taxation advice and in property investments by offering in-depth expert information.

recapitalise was created for two distinct reasons. Primarily to inform & facilitate non-resident Spanish property owners of their actual financial, legal & fiscal positions. Secondly, to provide unbiased, informed and experienced investment advice on Spanish Property thus realising significant gains for selected clients.

The essential ethos surrounding the services provided by recapitalise is professionalism throughout. At recapitalise, individual portfolios are assigned to the relevant member so that each client receives a personalised service; this portfolio is reviewed and managed by the Managing Director to ensure that high standards are achieved in every case handled and that what we deliver corresponds to your needs and expectations.

recapitalise consists of regulated accountants, solicitors & professional consultants who, combined together, have years of invaluable local knowledge and expertise in the Spanish property related services sector.

recapitalise is managed by Adrian Kelly, former Finance Director of one of Southern Spain's' largest real estate companies. Adrian has extensive experience in this field and is familiar with Spanish business culture having lived and worked in Spain for a number of years. Prior to relocating to Spain, Adrian was employed in Dublin by a Big 4 accountancy practice & a multinational pharmaceutical company. Adrian is a qualified Chartered Certified Accountant (FCCA).

Our people are available from 9am to 6pm Monday through Friday. Meetings at our premises are by appointment only.

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