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Casa Del Sol Properties

USEFUL INFORMATION ON BUYING IN SPAIN AND THE SPANISH ISLANDS CASA DEL SOL step by step#2 12/3/03 9:31 am Page 3

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A NEW LIFE IN SPAIN How does spending your winters in a warm sunny climate, relaxing on a sun-kissed beach or in the beautiful unspoiled countryside appeal to you? Sounds great doesn’t it, but owning your own home abroad need not be just a dream. Never before has it been more straightforward to set up home in Europe. Communications are excellent, air travel is inexpensive, single currency has made living and working in the EU far easier, together with the fact that the cost of living is much cheaper, Spain certainly has a lot to offer. The challenge of living in a new country with their customs, language and a slower pace of life is welcomed as a great adventure. It is greatly recommended when buying a home abroad to set up a Euro account, and as a property owner it is important to make a Spanish Will as should you become a permanent resident, (i.e. spending more than six months in the country), you would be subject to the Spanish tax system. Reviewing your English Will is also advisable at this time.

INTRODUCTION At Casa Del Sol Properties our aim is to make the purchase of a home in Spain or the Spanish Islands trouble free and enjoyable. On the other hand, to those who follow U.K. press and T.V. reports, it will come as no surprise that the risks attached to buying property in Spain can be greater than those in the U.K. These so called “Horror Stories” are nearly always the result of British buyers failing to deal through a reputable company. Casa Del Sol Properties have many years experience in the market and can help avoid these problems. For example, we suggest that purchasers should always use a competent lawyer to safeguard their interests, and can recommend solicitors who have practices in both Spain, the islands and the U.K. and are experts at conveyancing. This guide has been produced by Casa Del Sol Properties to provide helpful information for clients who are interested in purchasing a property in Spain, and is intended as a step by step guide that leads a potential purchaser through the various stages of buying a Spanish property.

WHY CASA DEL SOL The company was established in 1975 and thus has had almost 30 years of experience in selling properties in Spain and the Spanish islands. Over that period of time we have been able to develop associations in Spain with agents, developers and lawyers who we trust, who we can now recommend wholeheartedly. Casa Del Sol have four offices in the U.K. in Chichester (West Sussex) Emsworth (Hampshire) London and Northampton, and we strongly urge any prospective buyers to take the trouble to travel to one of our offices and meet senior personnel face to face where trust and confidence can be established rather than to merely talk over the phone. The full addresses of our branches and telephone numbers are shown at the back of this brochure. There will always be an opportunity to meet us at one of our fortnightly exhibitions around the country, please request a schedule to ascertain the nearest exhibition in your area. Our records show that over 90% of our sales have resulted from meeting clients rather than merely telephoning from the result of an advertisement. Casa Del Sol have on offer, literally hundreds of new developments and resale instructions from Sotogrande in the west, to Nerja and Denia in the east. We also specialise in such areas as Marbella, Nerja, Torrevieja and Moraira and in the new up and coming resort of Aguilas. CASA DEL SOL step by step#2 12/3/03 9:31 am Page 4

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INSPECTION VISIT We can arrange a tailor made Inspection Visit of 3/4 days duration, departing from Gatwick, Heathrow, or alternative airports any day of the week (subject to availability) from £99.00 to selected destinations The cost includes return flight, transfer to and from the airports, hotel, breakfast, lunch and dinner. Staff from our office will personally show you a comprehensive selection of properties within you price range. If you are interested in an Inspection Visit please contact the office to make the necessary arrangements.

DECIDING TO PURCHASE - BUYING A PROPERTY - LIVING IN SPAIN Each of these sections are covered thoroughly and will provide the buyer with all the necessary information. For further specific information on matters not covered within this guide please contact the office and we shall be pleased to be of assistance. Every effort has been made to ascertain that the information contained herein, as far as possible, is correct.

WHY SPAIN? Spain is my far the most populated country in Europe for a second home, and indeed similarly this applies to total emigration. There are many reasons, but without doubt the climate closely followed by the cost of living and some of the most beautiful and varied countryside in Europe. The Costa del Sol and Costa Blanca are within easy reach of a plethora of historical towns and cities, and of course the country is just over two hours flying time from most UK airports.

WHICH AREA? Having chosen Spain, the next step is to decide the region. The main areas open for consideration are Costa Blanca, Costa Calida, Costa Del Sol, Majorca, Menorca and Tenerife..

ARRANGING FINANCE Many prospective purchasers any require finance which can be arranged through our associates using any assets or equity as collateral which they have here in Great Britain, or on the Spanish property of their choice. It is strongly recommended that before visiting Spain one should be sure that finance is readily available for an overseas purchase.

EXAMPLES OF MONTHLY MORTGAGE REPAYMENTS AT 5%

AMOUNT 5 YEARS 10 YEARS 15 YEARS 20 YEARS £20,000 £378.00 £213.00 £159.00 £132.00 £30,000 £567.00 £319.50 £239.00 £198.00 £40,000 £756.00 £426.00 £318.00 £264.00 £50,000 £945.00 £532.50 £398.00 £330.00 £60,000 £1134.00 £639.00 £478.00 £396.00 £70,000 £1323.00 £745.50 £557.00 £462.00 £80,000 £1512.00 £852.00 £636.00 £528.00 £90,000 £1701.00 £958.00 £716.00 £954.00 £100,000 £1890.00 £1065.00 £796.00 £660.00 CASA DEL SOL step by step#2 12/3/03 9:31 am Page 5

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The following information is supplied by an independent advisory company - Elkcrest Limited - trading as King and Company

PURCHASING A PROPERTY IN SPAIN

There are three options available when considering the purchase of a property in Spain. These are:

a) Purchase for Cash. b) Raise the money on a UK property. c) Negotiate a Spanish Mortgage.

The general rules for raising a mortgage are the same both in Spain and UK. In other words the maximum you can borrow is related to your disposal income. Normally 2.5 times income minus any existing mortgages.

Raising money on a UK property

Co-located with King and Company is King and Company Financial Services, a fully authorised and registered Financial Advisor. All queries on re-mortgaging a UK property, Life Assurance, Investment or Offshore Investments should be addressed to Barry Painter on 0870-777-0545.

Raising a Spanish Mortgage:-

There are two main sources for raising finance for the purchase of Spanish Property:-

a. UK Lending sources based in Gibraltar. b. Spanish Banks.

In general the minimum mortgage available from these sources is £12,500 with a maximum borrowing of 70% of the declared purchase price. Terms can vary from 5 - 20 years, but must usually end by age 65 or 70. Interest rates are typically 1.5% - 2% above the European Bank Base Rate which is currently less than the UK Bank Rate. The mortgage will be nominated in Euros. As a guide to the costs of repaying a Spanish Mortgage the following figures are calculated on a loan of £20,000 at an interest rate of 5% on a Repayment Basis:-

Period of Mortgage Monthly Repayment (£ Sterling) 5 years £378.00 10 years £213.00 15 years £159.00

Costs of raising the money could be a maximum of:- Arrangement Fees: up to £650 Lenders Fees: up to 1% (minimum £250)

Some Spanish lenders will require life assurance to be assigned. The survey fee is based upon property value, but as a guide is generally around £220 for a property under £100,000. Solicitor’s costs are typically 0.75% - 1% of property value. CASA DEL SOL step by step#2 12/3/03 9:31 am Page 6

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Remember that solicitors and taxes, combined with currency fluctuations, can add up, normally to a maximum of 10% of the declared price of your property. This amount can vary a little depending on the location of your property in Spain.

Procedure and documentation for purchasing a property in Spain

In all instances we recommend that the Purchaser utilises the service of an Abogado, a Spanish lawyer, a member of the Spanish Bar Association, the Colegio de Abogados. The Abogado will deal all matters relative to the purchase and associated matters including the transfer contracts for Water, Electric, Gas and Telephone, if applicable plus preparation and submission of an application for the Purchaser’s N.I.F. (fiscal) number. The Abogado will also ensure that all domestic accounts, in the form on IBI charges (Rates), Basura (rubbish), Community charges, if applicable, Water, Electric and Telephone, if applicable are paid or a pro-rata allowance agreed, calculated to the date of completion. Spanish law authorises ownership by foreigners with relatively few restrictions and the transfer of property is generally less complicated than in the UK.

The procedure is as follows: 1. A reservation agreement is completed, containing details of the purchaser and the property, together with the agreed price and payment terms. A deposit is paid with this, preferably 10% or a lesser deposit followed quickly by the payment of the residue of the 10% deposit and the vendor agrees to take the property off the market whilst the private agreement is drawn up. 2. A private agreement is drawn up by the Abogado. This contains full details of the price, form of payment and condition relating to the transfer of the property. This agreement will contain a clause requiring the vendor to convey to the purchaser a Public Title Deed (“Escritura Publica de Compraventa”) on receipt of the final payment of the property. NB In some instances these two documents are drawn up in the form of a single agreement. 3. The Public Deed is so called, because it must be prepared and signed before a Public Notary (“Notario”) who attests to the identity and signatures of the parties involved. The Public Deed will contain a clause stating that the property is being sold free from all debts, current in payment of all taxes and vacant possession is provided. Upon signing the Deed, a simple copy (“Copia Simple”) is given to the purchaser - the original going to the Property Registry of the District in which the property is situated for inscription in the name of the purchaser. Once the procedure is completed, the purchaser is completely secure against claims from 3rd parties against the previous owner.

Expenses involved in a Transfer of Property

a. Transfer tax. This tax must be paid by the purchaser before the transfer of the Title Deed into the owner’s name. It is calculated at 7% of the declared value of the property. For new construction an IVA (VAT) charge is raised at a similar rate of 6 - 7% (depending on the region of Spain) of the declared value plus a Transfer Tax charge of 1% on the declared value. NB The declared value is officially stated purchase price recorded in the “Escritura de Compraventa” (title deeds). b. Property Registry Fees and Noratial Fees (the amount charged by the Notario for preparing the Public Deed and presiding over its signing, plus fees paid for registration), we recommend a provisional sum for a1500 to be allowed for these charges. c. “Plus Valia” tax. The best translation of this term into English is probably Capital Gains CASA DEL SOL step by step#2 12/3/03 9:31 am Page 7

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Tax. It is a tax on the increase in value of the actual lands rather than the building thereon and is in respect of the period since the previous transfer of title by Public Deed. In the case of a new property, this is normally a nominal fee, but in the case of a resale property, which has not changed hands for a number of years, it can be substantial. This tax is the vendor’s liability and this will be so noted in the contract. We are also able to assist and advise purchasers regarding the acquisition of furniture, electrical equipment etc and if required the subsequent letting of their property. Further information can be obtained from our consultant lawyers and accountants Messer’s Carretero International in London (Mr Leon Del Canto) 0845-0506261 - Email [email protected]

PROPERTY PURCHASE EXPENSES

The following is an example (for £70,000) breakdown of the expenses incurred when buying and owning a property in Spain. Note 1 - All properties are freehold. For ease of understanding all prices quoted here are given in Pounds Sterling whereas in the contract, figures will be in Euros.

ONE OFF PAYMENTS

Value of house only - example £70,000 I.V.A. (V.A.T.) or Transfer Tax (on property) plus stamp duty @ 7% Depending if it is a resale or new property as explained above £ 4,900 Transfer Tax (on documents) @1% £ 700 Notary Fees £ 300 Registry Fees £ 240 Solicitor’s Fees - 1% of property value or minimum £ 700 Water and Electricity Contracts £ 330

ESTIMATED TOTAL AND FINAL PRICE: £77,170

ANNUAL PAYMENTS (approximately)

“Contribucion Territorial Urbanea” (similar to Council Tax) Per annum £200 Water 2 months £25 + usage Gas (Butane) 1 cylinder for approx. 3 months cooking 25Kg cylinder £5 Electricity 2 months £25 + usage Community Charges (applicable to complex) Per annum £100/£200 Car Road Tax (e.g. Ford Fiesta) Per annum £64 Car Insurance Per annum £220 Home and Contents Insurance Per annum £110 * Private Health Insurance Per annum minimum £250 ** Spanish Will (English/Spanish) m174.3 This is not an annual payment and it seems to me as one of this standard wills that has not been considered any IHT planning or suggestions. I would suggest this as a legal cost to be discussed. I do not recommend a separate will unless there are substantial reasons to do it, if so the executors need to make sure that the Spanish will is sufficiently protected if the intention is to escape IHT CASA DEL SOL step by step#2 12/3/03 9:31 am Page 8

Page 7 Note 2 • All payments, except for gas, are normally by direct debit. Gas is paid on delivery of cylinders. • We strongly advise you to see a Spanish Solicitor, who is totally independent, and works strictly on your behalf to ensure that the buying procedure is carried out correctly. • When property is bought in Spain and you are not resident in Spain, you must have fiscal representation, which can also be done by the Solicitor. • *Only necessary when you wish to live in Spain permanently, and you are not entitled to National Health. • ** A Spanish will is recommended when you own a property in Spain.

LIVING COSTS

In general the cost of living in Spain is considerably cheaper than in the United Kingdom, and most other European countries. Grocery items cost less and superb selections of fruit and vegetables are available at very low prices, particularly in the markets. Meat and very high quality fish and seafood are plentiful and available fresh every day. Compared with other European countries, eating out can be inexpensive. Restaurants are usually cheaper than those of equivalent standard in the U.K., and it is often possible to eat out very economically in bars which offer the little local delicacies called “Tapas”. Alcoholic drinks are of course much cheaper than in Britain, one can buy a bottle of table wine in a Spanish supermarket for as little as £1, and £3 will buy you a good vintage wine. Spirits, beers, liqueurs and tobacco are all around one third of the British prices. Petrol is also approximately 50p a litre as opposed to nearly 80p in the U.K.

TAX SYSTEM IN SPAIN

Spain applies a residence-based system of income taxation, as opposed to a system based on citizenship or domicile. The concept of Tax domicile, as understood in the U.K. system does not exist in Spain and all the worldwide income or gains are taxable in Spain for the Spanish resident, even if they have not been remitted to Spain. The Spanish income tax returns should report the income of the taxpayer, spouse and dependants, although each member of the family can file independent tax returns. In the Inheritance Tax system the residence will be determine that all the assets of the resident will be subject to the Spanish Inheritance Tax.

The Spanish residency criteria

Under Spanish domestic law, and the Double Tax Treaty with the United Kingdom, individuals are deemed resident for tax purposes in Spain according to the following criteria:

a. 183 day rule: The individual spend in Spain 183 or more days during the Spanish tax year ending 31 December. An individual will be treated as resident for Spanish Inheritance Tax if 183 days have elapsed since they first took up residence. Temporary absences from Spain are not counted to reduce the 183 day rule, unless the individual is able to prove his tax residence in a country with a Double Tax Treaty with Spain.

b. Spain is the centre of economic interest or the principal place of professional activity. To be deemed resident under these criteria, the Spanish Tax Agency (Agencia Estatal de Administraction Tributaria or AEAT) will look at where the individual’s investments are located. They will also look where the income is CASA DEL SOL step by step#2 12/3/03 9:31 am Page 9

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derived from as well as whether the source is employment business or investment income. To determine the place of professional activity the Tax agency look at the country where the individual spends most of his time performing his professional activity (the principal activity).

There are other elements being used by the Spanish Tax Agency to determine the residence such as:

c. The location of the family home: this is the place where the individual and his/her family live on a habitual basis. If the spouse and children live in Spain there is a presumption of residence in Spain. d. Residence in territories considered Tax Havens by the Spanish Government: There are more stringent rules in respect of probing the residence in a country regarded by the Spanish Tax Agency as a Tax Haven including Gibraltar, Isle of Man, Channel Islands, British Virgin Islands, Malta and several other offshore jurisdictions as determined by the Spanish Royal Decree 1080/1991.

If there is a conflict in determining the residence according to the above criteria, the Tax Authorities would determine where the individual’s investments are located and where their income is derived from, whether the source is employment, business income or investment income in Spain. In the event of residence disputes with other countries, the international Tax Treaties take precedence over domestic rules of residence.

e. The non-resident taxation regime: There are currently more than one million non-resident property owners in Spain and to tackle this booming market the Spanish Parliament passed the Non-residents Income Tax Act (Ley 41/1998,Ley del Impuesto Sobre la Renta de Non Residentes). According to this Act and the Self-Assessment regime, non residents receiving any income or owning any assets in Spain must file a return every year, including all Spanish taxable income calculated to certain rules.

There is the possibility for European Union residents, whilst maintaining their non- resident status, to pay taxes according to the rules of the Spanish Resident Income Tax Act (Ley 40/1999 Impuesto sobre la Renta de las Personals Fisicas), which may be more beneficial in some cases. The application in this region should always be discussed with your tax advisor.

f. Income Tax according to the Non-residents Income Tax Act: Owning property in Spain is deemed to produce a tax income, notional in nature, equal to 1.1 or 2% of the property value based on the town council rateable values (Valor Catastral). The 1.1 or 2% percentage would depend on the Council where the property is located. A standard 25% tax is applicable to the notional income calculated that way and will be payable on submission. The tax payable will be pro rata according to the ownership period during the year.

For Capital Gains, Inheritance Gift Tax, or any tax planning scheme involving UK, Spain and any offshore jurisdiction, please call our consultant lawyers and accountants Messer’s Carretero International in London (Mr Leon Del Canto on 0845-0506261) or email [email protected] and they will be happy to discuss and answer any questions that may arise. CASA DEL SOL step by step#2 12/3/03 9:31 am Page 10

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HEALTH CARE

Spain has a comprehensive health service provided by the State, but only pensioners and non-resident visitors may use it free of charge. Otherwise you should arrange an adequate insurance policy. Over three million people in Spain have private medical cover. As a tourist, you are likely to be covered by private medical insurance as part of the holiday package (but do not take this for granted). If you have no such insurance cover, you should arrange it. Most insurance companies and the Post Office can arrange it for you at what is little more than a nominal premium. If you are ill in Spain, the State scheme will provide free treatment for you (and any other EU national) if immediate treatment is necessary. This also contains the form E111 which you need to complete and present, with your passport, to obtain the treatment - assuming you are in a fit state to do so. The treatments covered are those which are generally provided free in the U.K., so you could be charged for emergency dental treatment, for example. If you wish to be treated under the EC reciprocal agreement, the doctors should be told this as soon as possible, and the necessary papers (form E111 and passport) presented. You will probably have to pay the doctors and reclaim the cost from your local health department’s office. Your entitlement to a UK retirement pension will depend on your continuing to pay UK national insurance contributions. If you are getting near to retirement age, you should complete form E121, available at the DSS Overseas Branch. Medical insurance can be arranged in the U.K. or Spain, but you should check exactly what cover is covered.

EDUCATION

There is a free education in Spanish state schools and the standard is considered to be high. Children can go straight from Britain to Spanish schools up to the age of 14. Beyond that there need to be a validation of standards in the usual subjects. Spanish schools will not accept a foreign child which has already attended a foreign school unless it received a written report from the English school which the child last attended, translated into Spanish notarised with the apostil. There are a number of private fee paying English, American and Spanish schools..

The following is a list of recommended schools:

International School - Javea, The Lady Elizabeth School Junior - Javea, The Lady Elizabeth School Secondary - Lliber, La Sella International College - Denia Colegio Internacional Costa Blanca - Jalon, St Anthony’s College - Fuengirola, Aloha College - Nueva Andalucia Marbella, Balloon Nursery School - Calahonda Calpe College - San Pedro, Sunny View School -Torremolinos, Windale Nursery School - Tenerife, Wingate School - Tenerife, Colegio El Limonar - Murcia, Newton College -Elche Sierra Bernia School - Alpaz del Pi

RENTALS

Many buyers will expect a rental income for their property. Our offices in Spain work closely with the leading rental companies who can handle this side of the business on your behalf. They can also provide a full management service for those who merely want their property looked after. CASA DEL SOL step by step#2 12/3/03 9:31 am Page 11

Page 10 MANAGEMENT

Our Spanish offices provide a service which can advise and undertake matters such as furnishing, decorating, repairs, installations, conversions and so on, quotes available on request.

RENTAL RETURN

All minimum gross prices per property per week On the Costa Blanca/Costa del Sol

PROPERTY TYPE LOW SEASON MID SEASON HIGH SEASON October - February March - May June - September 2 BEDROOM APARTMENT/ £150 PER WEEK £225 PER WEEK £300 PER WEEK BUNGALOW 3 BEDROM APARTMENT/ £175 PER WEEK £250 PER WEEK £350 PER WEEK BUNGALOW 2 BEDROOM VILLA WITH £200 PER WEEK £300 PER WEEK £450 PER WEEK POOL 3/4 BEDROOM VILLA WITH £300 PER WEEK £400 PER WEEK £500 PER WEEK POOL

TAKING YOUR PET ABROAD

Now that you can obtain a passport for your pet and quarantine is no longer necessary - taking your pet abroad has never been easier.

So how do you go about obtaining a passport for your pet? * First a visit to the vet is necessary in order for your pet to rabies vaccination and blood test as well as an identity chip. * Approximately 6 months later you will be given a health certificate. * It will then be okay for you to take your pet abroad.

Travel Information: * The journey through Eurotunnel will take around 35 minutes. * You will need to make initial enquiries as only certain carriers are in the scheme. * You will have to pay a supplement. * GB Airways Cargo has a Pets Travel Scheme and can fly animals to Gibraltar, Malaga, Alicante, Valencia and other airports from London.

Before returning to the U.K. • You will need to visit a local vet and have your pet checked over to make certain that your pet has not got tapeworms, fleas or ticks or any other ailments. • You will then be issued with a certificate to show that this has been done. • You will then be free to return to the U.K.

General Information It is worth remembering that some developments near golf courses, even freehold properties have restrictions in keeping pets. Keeping animals in apartments can also be difficult: we therefore suggest that when looking at properties you look for one with at least a quarter of an acre to keep your pet and neighbours happy. CASA DEL SOL step by step#2 12/3/03 9:31 am Page 12

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A COMPREHENSIVE AFTER SALES SERVICE

A buyer is very vulnerable since he will be purchasing a property in a country where he is ignorant of the laws and language. It is, therefore, very important to purchase a property from a company that not only has bona fide offices with an A.P.I. registration number, but also guarantees an after sales service. Casa del Sol is no ordinary sales agency. We work to the highest professional standards, and are very proud of our reputation for providing our buyers with a complete and excellent service. We will guide you through every stage with advice and practical help, from arranging your first visit through to letting the property and managing it on your behalf. When you have chosen your new home, we can introduce you to lawyers, both in the U.K. and in the country where you are buying your property. We can also recommend experts to advise you on mortgages and other financial matters, saving you time, trouble and money. Once you have completed on your villa, apartment or townhouse, our staff can help you as you move onto the next stage. Many things - travel, removals and furnishings, finding the best schools in the area - can seem daunting and complicated, especially in a new country, but we are there to smooth the way, and to help you with many other local information you might need. Through our links with various management companies we are able to provide a complete maintenance service for your property. We can clean your pool, and tend your garden. If you are considering letting your property for rental income, we can take care of all the arrangements for that too. Through our dedicated letting service we have access to an extensive database of potential tenants, and we reach many more with national press advertising. The longer you let your property, the greater the potential income. Average returns are around 5%, but if you are planning to let your home throughout the year you could see a return of as much as 10% - normally sufficient to cover any maintenance costs or borrowings on the property.

RELEVANT INSTITUTIONS IN THE U.K.

SPANISH GOVERNMENT BRITISH GOVERNMENT

Embassy of Spain in the U.K. Department on Health 24 Belgrave Square Richmond House London SW1X 8BQ 79 Whitehall Telephone: 0207-235-5555 London SW1A 2NS Fax: 0207-259 5395 Telephone: 0207-210-3000 Fax: 0207-210-5523 Spanish Consulate in London 20 Draycott Place Department of Work and Pensions Benefits Agency London SW3 2RZ Overseas Division Medical Benefits Telephone: 0207-589 8989 Tyneview Park Fax: 0207-581-7878 Whitley Road Newcastle upon Tyne NE98 1BA Tourist Office 22-23 Manchester Square TRADE ORGANISATIONS London W1M 5AP Telephone: 0207-467 5502 Spanish Chamber of Commerce Fax: 0207-486-8034 126 Wigmore Street London W1U 3RZ Telephone: 0207-009-9070 Fax: 0207-009-9088 CASA DEL SOL step by step#2 12/3/03 9:30 am Page 1

CASA DEL SOL OFFICE ADDRESSES

EMSWORTH 51 High Street, Emsworth, Hampshire PO10 7AN Telephone: 01243-379797 Fax: 01243-379737

CHICHESTER 15 West Pallant, Chichester, West Sussex PO19 1TB Telephone: 01243-790390 Fax: 01243-786677

NORTHAMPTON 6 Mercers Row, Northampton, Northamptonshire NN1 2QL Telephone: 01604-602630 Fax: 01604-231654

Whilst these particulars are believed to be correct, they are not guaranteed by Casa del Sol Properties, and neither does any person have the authority to make or give any representation or warranty on their behalf. Prospective purchasers must satisfy themselves by inspection or otherwise as t the correctness of each statement contained in these particulars. The particulars do not constitute, or form part of, or any offer or a contract. CASA DEL SOL step by step#2 12/3/03 9:31 am Page 13

CASA DEL SOL OFFICE ADDRESSES

EMSWORTH 51 High Street, Emsworth, Hampshire PO10 7AN Telephone: 01243-379797 Fax: 01243-379737

CHICHESTER 15 West Pallant, Chichester, West Sussex PO19 1TB Telephone: 01243-790390 Fax: 01243-786677

NORTHAMPTON 6 Mercers Row, Northampton, Northamptonshire NN1 2QL Telephone: 01604-602630 Fax: 01604-231654

Whilst these particulars are believed to be correct, they are not guaranteed by Casa del Sol Properties, and neither does any person have the authority to make or give any representation or warranty on their behalf. Prospective purchasers must satisfy themselves by inspection or otherwise as t the correctness of each statement contained in these particulars. The particulars do not constitute, or form part of, or any offer or a contract.