FREE POLARIS WORLD INSPECTION TRIPS:

- Free Breakfast, Lunch and Dinner

- Free local airport Transfers and transport throughout your visit

- Free Financial and Legal Advice, including if required:

setting up a Spanish bank account
Spanish mortgage advice
a consultation with a Spanish lawyer
applying for an NIE number (needed for buying a property in Spain)

- Tour of the region and places relevant to your interests.

- Throughout the trip a Polaris World property advisor will be on-hand, who has access to the widest range of properties to offer you. The trips are personal and tailormade, so you will only see properties you are interested in. We guarantee a one to one inspection trip and will not group you together with other clients.

Getting to know Polaris World and the area :

We recommend that you come out for two days, however we understand that people have different constraints and we can work around your schedule: we run trips both at the weekend and during the week.

We believe in letting you decide what you want, and we aim to pass on our local knowledge to help you decide what is best.

Flying to the Costa Calida:

The best airport to fly into is Murcia (San Javier), however Alicante is not too far away. For flights into Murcia, please contact us. You can stay in a hotel that is central to all the properties, so once you are here you can make the most of the trip (and hopefully enjoy the sunshine too!).

For Further Information or to Arrange an Inspection Trip to Polaris World property, email us or call us on 0044 (0)1480 434290.

If you would like to receive a free brochure first, just let us know.

Currency Exchange and Currency transfers for your Property Purchase Abroad.

The Foreign Exchange market is the world’s largest financial market, in excess of 1.5 trillion US dollars are being exchanged daily.

The process of Foreign exchange transfers couldn’t be easier. and as most services - money transfer is a free service with our Foreign Exchange partner. However, be aware that some companies make charges for transfering money abroad.

Here is a simple 3 step guide:

Step 1. Open an account

Complete an application form and ensure you have usually two forms of ID: (1) photographic (2) proof of residence.

Step 2. Buy your currency

Speak to a currency dealer and they will give you the current market rate. If you are happy with the quotation they will buy the currency on your behalf. This trade is usually confirmed in writing by way of a deal receipt and usually provides instructions on how, when, and where to make payment for your currency.

Step 3. Get your currency

Once cleared funds are received by your dealer, they will promptly transfer your exchanged currency to any bank account of your choice, worldwide, the same day. 

Other than just choosing any particular day to exchange your money, you could choose other dates to make the currency exchange. It may be that you have decided to buy a new property that won’t need the final balance to be paid until 18 month’s time. In this case, it may suit you to do a ’spot deal’ today for the deposit and arrange for a ‘forward deal’ for the final balance. By doing this, you will have just ‘fixed’ the purchase price to your home currency and will have ensured that you don’t get caught out by a weakening home currency, or a strengthening one in the country of your purchase. This can save people thousands.

Here are 4 basic types of transaction:

• Spot Contract
A spot contract is undertaken when you buy currency at the prevailing exchange rate at the time of the transaction and make payment within two working days. This transaction is typically used for deposit payments on property or for full payment if the funds to pay for the transaction are available.

• Forward Currency Contracts
A forward contract is undertaken when you fix the exchange rate now for a specific date from one to 24 months in the future. As an example, your final payment for a home abroad may be the equivalent of £100,000. You could fix that exchange rate today with a small deposit, and pay for the bulk of that transaction at the completion of the forward contract. To guarantee the exchange rate, private clients will have to pay for at least 10% of the value straight away (a margin deposit) and the balance on or before the maturity of the contract.

• Time-Option Forward Contracts
You may also reserve a time-option forward contract. This contract allows greater flexibility in paying. For example, a property developer may give you a date of December 2008 as an approximate completion date but may tell you it could take a bit longer. Your dealer may recommend that you set a date for your forward contract of February 2009 and you are free to settle that contract anytime before the maturity date with no penalty.

• Limit Order
Limit Orders allow a client to set the rate at that which they would like to exchange their currency. Our foreign Exchange partner will monitor the market for you and if the rate can be achieved, we will purchase the currency on your behalf. We would then notify you of the due date for your payment. This is particularly important for contracts of substantial value where a small currency fluctuation may have huge implications.
Getting Started

If you would like further information please call our Private Client Desk on 01480 458400. You may also register online with us. We will contact you to activate your account. In order to complete the registration process, we require two forms of identification. Please also provide us with a copy of your passport or driving licence and a utility bill, council tax bill or landline telephone bill with your address.

Gatehouse International are very happy to recommend Key Mare as we have been promoting their top quality homes for a number of years now, and their build quality has always been excellent.

We always insist that all developments that we promote, have to undergo a series of legal requirements before we will market them to our buyers. Key Mare have passed this formal ´due diligence´ with flying colours. They have all of the relevant planning consents and they offer a high standard of after sales service together with legally binding guarantees (both building and bank guarantees).

Key Mare, are a property development company that has been operating on the Mediterranean coast since 1988 and are growing daily. They are all about solidity, confidence and quality.

Their houses are outstanding for the variety of building designs that they offer and have taken great care to consider the environment. Key Mare have developments in Murcia, Alicante, Almería and the Canary Islands.

In short, they offer homeowners every possible comfort, guarantee, security and quality in a home, so that their well-being is assured.

What makes Key Mare different?
- Ten years’ guarantee on a building, according to the Building Law 38/39, insured with the company Mapfre.
- Insurance for checking the homes before handing over the keys and against building defects for the first year with Multimap, Mapfre insurance group.
- Insurance against payments during the building work to guarantee the amounts paid until building ends.
- Help to obtain the most personalised financing possible when buying a home.
- Guide book to the building, explaining all the details for using the common areas and those of the house itself, emergency exits, etc.
- Client attention service.

As Key Mare agents, we are able to offer some unusual deals such as the Rent Before You Buy offer. It makes sense really, why not actually live in the home of your choice, pay rent, and see if you like it before you buy.

Call (UK) 01480 434290

Sun Sun Sun !!

Almeria weather forecast is perfect, why else would film makers like Sergio Leone choose to film his Westerns here, indeed this was are was a major set for the David Lean’s 1960 Classic “Lawrence of Arabia”. Almeria province is slowly waking up to tourism and has allot to offer both holiday makers and those looking for a home in the sun. Almeria Province is the hottest in Andalusia with over 3,100 hours of sunshine per year.

One of the main attractions of Almeria is the Desert and lunar like landscapes which have a raw beauty. With the Almeria weather as it is, Golf also attracts many visitors, the Desert Springs Golf Course has been selected as the Spanish home for the English Golf Union. It is 6761 yards in total, with a par of 72, it is designed to test the world’s best players. The resorts and beaches of Almerimar, Roquetas de Mar, San Jose, Carboneras, Mojacar, Garrucha and Vera are included in the Almeria Weather forecast.

Almeria weather forecast is very mild and temperate with little rain falling mainly in Autumn and Spring. The water temperature is usually higher that that of the air and the water itself is very clear. Attractions of the area are the salt lakes, the desert especially the mini Hollywood or Yucca City, just outside Tabernas. Almeria Province has the longest coast line of all of Andalucia with empty beaches and lots of little coves with perfectly clear water.

Ever since the Romans colonised Spain in the first century BC, spas have been used for relaxation and medicinal purposes on the Spanish territory of today. The Romans brought their culture of bathing with them and it has remained there ever since. Thus, spas have existed in Spain for over 2000 years, yet only today spas are returning to their original medical outlet status. As the world’s largest inbound tourism power, being a close second to France in terms of number of visitors and second to the USA in terms of revenue, Spain has mostly been seen as a beach holiday centre with 8000 miles of Atlantic and Mediterranean coastline. Nowadays, the seawater is being used by many tourists for other purposes rather than just swimming.Nearly all of Spain’s multiple coastal resorts are equipped with a spa of some description. Away from the man-made facilities, Spain boasts the second largest thermal lake in Europe. This is known as the Termas Pallorés, situated in the Aragón region. The lake is visited by flocks of tourists every year and is visitable during any season as its temperature is constant, at 36°C.Furthermore, this year shall see the opening of a luxurious spa resort in the picturesque town of Arties in the Val d”Aran in the Spanish Pyrenees. Arata Isozaki – known for the Olympic Stadium in Barcelona and the Museum of Contemporary Art in Los Angeles – is responsible for the design of the Banys d’Arties using the natural stone and slate situated in these mountains. The complex will include a 25-suite super luxury hotel, a 32,000 square-foot-spa and three restaurants including one in the spa. Plans call for reclaiming the baths dating from 1817 which have been unused for 40 years. Built around a central interior pool, the thermal complex will include a vaulted roof with 24-foot ceilings. On this evidence, it appears that experts’ predictions of Spanish spa tourism hitting off could come true.

As many property buyers opt to try before they buy, agents in Spain are receiving more enquiries about long-term lets.

Approximately 20 per cent of all enquiries received by agents are now about long-term lets, as buyers opt to sample a particular area of Spain before they commit.

The benefits of long-term renting means they get to experience a particular location first-hand, they’re immediately available to view properties as they come on to the market, and they are already in place, so they don’t have to keep going backwards and forwards between countries during the buying process.

For property owners, long-term letting can be a good deal too. There are none of the legal restrictions that surround tourist or holiday-lets and recent changes in the law favour the landlord should evicting a tenant become neccessary.

Long-term letting is a very good way to make income from your property in Spain, as you have rental income coming in constantly over a long period of time.

If you are renting out your home to holidaymakers by the week, then you may end up with some weeks when the property is empty and you are not making any money, therefore Spanish homeowners who perhaps don’t won’t to use their property for six months of the year, may find a long-term let is very profitable.

Why not contact our Spanish office for a suggestion of rental investments in Rural or coastal Spain

The Sierra de Espuna, natural space of great scenic beauty and enormous turistic interest, situated in the very centre of the region of Murcia, with something more than 25,000 hectares forming part of the Andalusian ranges and stretching between the regions of Mula and the Guadalentín valley. It takes up land from Alhama, Aledo, Totana, Mula and Pliego. Its great natural richness is so important that in 1978 10,000 hectares were declared as a Natural Park and nowadays they are considering the possible extension of its parametres and its reclassification. In addition, since 1973 more than 14,000 hectares have been declared as a Natural Hunting Reserve.

Sierra Espuña was one of the first great forestial repopulations in Spain. At the beginning of the century, under the direction of the engineer ‘Don Ricardo Cordorníu Starico’, a large part of the Sierra surface was repopulated. Nowadays, it´s ICONA (Instituto para la Conservacion de la Naturaleza - Institute for the Conservation of Nature) who are continuing with this work.

Orography and Places of Interest

From an orographic point of view its made up of a heightened massif of deep interior vallies. Its geological materials, the oldest of the Precambrica era were affected by the jack knifing Alpine and are mainly made up of sandstone, dolomite, marl and limestone which have allowed the characteristic formation known as “Karst”, giving place to the “Karstico” countryside; produced by the disolving of the carbonites of the limestone rocks eroded by rainwater and snow, like “El Gigante” where the erosion has created very sophisticated shapes in the rocks. Other places of interest are: ‘El Purgatorio, Las Alquerías, La Arboleja, El Cerro de las Cabras, La Fuente del Sol, Las Cunas’ - from where you can enjoy a beautiful view of the mountainous countryside-; ‘La Umbría’ or ‘Pozos de la Nieve’ - which we will talk about in more detail in the Places of Interest. The heights above sea level vary from 200 metres in the areas closest to the Gaudalentín Valley and 1,585 metres at its highest point, the famous ‘Pico Morrón’ of Totana or Espuña. To the South of this peak you can find one of the other most interesting areas called Collao Bermejo at 1,200 metres, it is a traditional area for hiking. The western area is taken up by ‘LLano de la Cabras’. Another point of orographic interest is the region called ‘Morrón Largo’.

Climate

Its climate is Mediterranean with mild temperatures. Cold, but short winters and warm, dry summers.

Although Espuña enjoys a microclimate somewhat more humid than the rest of the region, with average annual temperatures ranging between 13,5 ºc and in the cold periods temperatures lower than 7ºc; these temperatures vary with altitude, including reaching below 0ºc at 1,000 metres altitude some days of the year.

The average rainfall is around 5000mm, with October and April being the rainiest months. Occasionally, in Spring and Autumn this rain takes the form of hailstones and, although in scarse proportion, in Jaunary and February it takes the form of snow, these months enjoying the snowiest days. The summer months are referred to as the dry period.

Hydrography and Vegetation

Actual rivers do not flow through the Sierra although some scattered springs run throughout the Sierra: La Carrasca Malvariche, Los Algarrobos, Casa Rosa, streams and ravines which flow into the rivers Pliego and Guadalentín. The former recieves water from la Hoz and Malvariche and the latter collects those from Molinos, Arcos, Algeciras, Lebor and Espuña. These streams are the cause of great erosion and drag materials in times of torrential rain, but the erosive action is less serious in the Sierra due to the blanket of vegetation which covers it, as shouold be the case for high mediterranean mountains, but man´s actions and the successive repopulations have transformed it and nowadays the mountainous countryside is dominated by three types of pine groves of repopulation; The Carrasco pine grove - Pinus halepensis - an example of the Rodeno pine grove - Pinus pinaster - and the Negral pine grove - Pinus nigra salzmanni.

The highest areas of the ‘Sierra Espuña’, ‘Macizo de Gigante’ and ‘Carache’, their peaks continuosly punished by the wind, exhibit a prickly scrub whose plants are stuck down to the floor, looking like small prickly pillows of little height (they barely reach a few inches) which mix plants known as the “culo de Monja” - Ennama anthyllis ; you can also see black sabina - Juniperus phoenicea - and small dwarf pine scrubs - Quercus rotundifolia. The undergrowth formed by the scrub species like Juniper - Juniperus oxycedrus - , negral espino - Rhamnus lycioides - Kermes Oak - Quercus coccifera - a genista variety - Genista longypes.

The small sources of water which are found in some spots of the Sierra form actual small streams with elm trees - Ulmus minosr - black poplars - Populusnigra - or honeysuckle - Lonicera implexa. Small springs also flow to the Espuña riverbed where its easy to recognise some plants such as the maidenhair well - Adiantus capillus veneris - and ferns which live around the springs and fountain sources and which are still used as a way to decorate houses; poplar trees - Populus alba -, willow trees - Salix pedicellata - and the poplar reeds appear on the riverbed of the permanent brooks.

The vegetation is always more exuberant in these areas that have stream beds than in the slopes of the mountains.

Fauna

As the vegetation is varied, so is the fauna. In Sierra Espuña there are squirrels, as the pine cones scattered at the foot of the pine trees demonstrate; although they are not usually spotted on first glance, in Spring and Autumn its easy to spot them due to the greater activity, given that at this time of year they collect their food: acorns and pine nuts in order to survive during the winter and in the spring to feed their young. The squirrel which inhabits the Sierra is the grey squirrel - Sciurusvulgaris hoffmanni-. Alongside this species we can find: hares - lepus capensis - rabbits - Oryctolagus curuculus - wild boar - Sus Scrofa - jays - Garrulus glandarius - and snakes - Malpolon monspesularius - . Also, preditors such as foxes - Vulpes vulpes - wild cats - Felix Silvestris - genet - Genetta genetta - which are very adept at hunting.

As you go up the masses of the Espuña you can make out birds of prey such as the Golden Eagle - Aquila chrysaetos - the sparrowhawk - Accipiter nisus, kestrel - Falco tinonculus - goshawk - accipiter gentillis - and others like choughs - Pyrrhocarax pyrrhocorax - rock martins - Ptyonoprogne rapestris - . At dusk you can see nocturnal birds of prey like owls - Athene noctua.
In addition, there are also sedentary birds like the magpie - Pica pica - and jackdaw - Corvus monedula. In winter migratory birds appear which nest in the Sierra, like the Thrush - Turdus philomelos – and blackbirds- Turdus menila.

In the brooks and fountain springs you can find green frogs - Rana perezi - Salamanders - Salamandra salamandra - and, giving beauty and colour to the countryside, butterflies - Aricia morronensis - and reptiles like the angry viper - Vipera latasti - and lots of other small animals which vary according to the habitat that the Sierra provides, whether its forest, rocky places, mountainous slopes, brooks or springs.

In 1970 ICONA incorporated the “muflon del Atlas o arrui” - Ammotragus lervia - (similar to mountain goat with twisted horns) to the area, an animal easily acclimatised to the Sierra and which breeds easily. Nowadays more than 500 inhabit the Sierra.

Access to Sierra Espuña, in which Totana shares jurisdiction with Alhama, means you have to go inside a natural park, with its high mountainous land, where you find nature intimately intertwined with man.

Some property for sale in the Sierra Espuna