Buying and renovating a rural property on the Spanish side of the Pyrenees

I went to Torla last year. It's lovely.

Feel free to post horror stories below . . . .

Once spent a summer on the French side (Luz St Saveur), some folks I met who had gone over there from the UK are still there. Still happy. Quite afew others I'd met still appear to be out there and enjoying themselves.

If you can hack the mid-summer heat, why would you live in the UK? I couldn't hack the heat, which is partly why I'm now in Scotland. And possibly why I'm learning Norwegian.

Must be a good 20 years now.

Not a horror story admittedly. At least it'll rain less your side.

Where abouts are you thinking of? This thread might need pictures and links to properties for full STW critique.

Ive just finished renovating a house in the uk, it is a lot of work trying to get trades people in, even when you speak the language.

I know some people who did something similar in Galicia although mostly it's rented out when they are not there, property in need to renovation is dirt cheap there now. Spanish residential property took a real caning post the crises.

If its a B&B business you should get a good idea of what the likely market will be, why will people visit etc. You might like to compare prices to the French side, have a search on Air B&B (note air B&B is killing small hotels and I would guess longer stay B&B too). Also don't assume the renovated property will be worth much more than the shell

Going back a few years there where major horror stories, mainly around Valencia, where the local authorities abuse a planning/redevelopment law to build new roads and then charge the foreign property owners the cost as the road benefitted their property.

[img] [/img]
Too obvious??

From watching too much daytime tv I'd say local rules, bureaucracy, language etc.

Do you need an odd-job man?

My cousin and her hubby did just this - they "retired" from life in Orkney and moved to the south of France where they bought and renovated a gite. Last time I saw them they told me the strain or running, maintaining and making ends meet was increasing and becoming older and less fit was making it even more difficult.

Personally I couldn't think of a worse decision than to sink all your resources into a derelict property that nobody else wants and try to make a living out of it. There's a reason why it became derelict. Homesickness, illness and family committments make this kind of isolation increasingly unattractive as you grow older. Britain may have lots of rain but it still has the best free-at-the-point-of-delivery health system in the world and is the best country in which to be expensively ill or injured.

[I]muzzle - Member

I went to Torla last year. It's lovely.[/I]

We are interested in a area about 25km south east of there. The whole area between Jaca and Campo is very nice.

[I]piemonster - Member

Feel free to post horror stories below . . . .

Once spent a summer on the French side (Luz St Saveur)....

Not a horror story admittedly. At least it'll rain less your side.
[/I]

We stayed in Luz St Saveur for a few nights last year on our initial recon trip. The Col du Tourmalet is just up the road, as is Luz Ardiden. Great cycling but, as you say, rather wet. Spain won hands down on the weather front last year. I didn't even have to go as far as considering the personalities of the two nationalities . . .

Pics and details will follow as our journey progresses. I do expect all the std comments regarding the quality of the camera work and indeed anything (however unrelated it may be) that is in the background of the pictures.

🙂

I'd be worried about the amount of competition, the Spanish rural tourism market has grown a fair amount over the past few years. Another point is that most of the rural B&Bs I've visited are run by local people with at least one other source of income, they're not generally 100% dependent on them.

+ what mikewsmith says: "local rules, bureaucracy, language etc." None of this is too serious IFF you a) speak Spanish and b) know how the system works. Is that the case?

My cousin lives and works on the French side (she IS French tho) and renovated a farmhouse and split it into apartments for themselves and as holiday lets. They're busy most of summer and a little in winter but have a lot of down-time outside this. That said she has a day job and her other half looks after the property when they have guests and overall they get by comfortably.

Spanish Pyreenees runs from the med to the Atlantic - surely actual location and distance from Airports etc very relevent

It's true that in the French Alps the people who run chalets also seem to have winter jobs in the ski resorts or a sports shop in the town.

I'd be worried about the amount of competition, the Spanish rural tourism market has grown a fair amount over the past few years. Another point is that most of the rural B&Bs I've visited are run by local people with at least one other source of income, they're not generally 100% dependent on them.

From what I've seen this is very much true.

Not sure I can think of any rural gite/b&b/glamping place I've been to in the Pyrenees or elsewhere in Spain where the accomadation business hasn't been an 'add on' to another venture.

That's not from a vast amount of personal experience btw. I guess 8 or so trips making up a total of 10 months. Albeit spread over 15 odd years. And I was drunk on the cheapest wine money could buy for most of that. Odd that I kept going back really, I don't like hot places (relative to the UK)

[I]mogrim

Is that the case[/I]

We are both learning Spanish and enjoying it. We were told by a Spanish friend, Miguel, (obviously) that speaking the language is essential. Having been there twice now on recon visits I can see he was right.

As far as corruption etc goes, we currently live in Africa, so we do have some skills . . . .

[I]simons_nicolai-uk - Member

Spanish Pyreenees runs from the med to the Atlantic - surely actual location and distance from Airports etc very relevant[/I]

Barcelona is about 2.5hrs away, Zaragoza (flights from Stansted) is 1.5hrs away.

As far as corruption etc goes, we currently live in Africa, so we do have some skills . . . .

I'm not sure how transferrable that kind of skill is - there's a lot of corruption in Spain, but it's invariably based on a personal relationship that's been built up over time, and not something you'll be likely to see as a newly arrived foreign B&B owner. You can't, for example, bribe your way out of a traffic fine in Spain. Likewise you won't get very far trying to bribe the local council employee to provide you a licence you need.

Once you've been there for 10 years, you've been having a morning coffee with the deputy mayor most days, and your daughter's at university with the son of the local police... then it would be different.

All this changes if you're talking about major construction projects with multi-million euro budgets, of course. But even then there's a social aspect to it - you'd be going hunting with the local governing party head, etc, and organising it then.

[url= http://pyreneesmotorcycletours.com/ ]Have a look at this[/url]

I've stayed with them a few times, and it is superb. Worth booking a room for the night to pick their brains. Lovely people.

They've done exactly what you want to do, albeit on the French side.

I could probable give you some info on this. I run trips through the area regularly and know it very well. We use small, locally owned accommodation exclusively so know a bit about it. The area you are talking about is nice. It depends what sort of market you are aiming for. There a few areas which attract more tourism but it is all seasonal. The rules and regulations are a nightmare, most of our accommodations have had issues with rules changing suddenly and more and more demands for paperwork. Have a think about climate too... We run our Pyrenees trips in Spring and Autumn because summer is roasting and winter in some areas can be very cold. It's a dry area though. Spanish is essential, English isn't widely spoken. Good luck, it's a beautiful part of the world.

Spanish healthcare is amazing. Way better than my experiences in the UK. A lot of these derelict properties in that area are due to a move of the population to the cities during the early part of last century. A lot going on in Spain then which isn't relevant any more. Now they aren't so isolated due to better roads and cars and there is a slow move of people back out of cities and a lot of these abandoned villages are being repopluated. It's a really cool thing.

I'm not sure how transferrable that kind of skill is - there's a lot of corruption in Spain, but it's invariably based on a personal relationship that's been built up over time, and not something you'll be likely to see as a newly arrived foreign B&B owner. You can't, for example, bribe your way out of a traffic fine in Spain. Likewise you won't get very far trying to bribe the local council employee to provide you a licence you need.

Once you've been there for 10 years, you've been having a morning coffee with the deputy mayor most days, and your daughter's at university with the son of the local police... then it would be different.

This is SO true. When I worked in Spain I quickly discovered the importance of what Spaniards call "un enchufe", which is an electric wall plug but also means "a connection". I was employed by the Opus Dei and when I had trouble with the local Police over the renewal of my visa for three months (this was before the EU) my Opus boss sorted the problem for me with one phone call. At that time un enchufe was absolutely the pre-requisite to any worthwhile job.

Well you know you'll have a few 'guests' if you do it Peter 🙂

By a plot for peanuts and build, old property renovation is a money pit,build new and you can pretty much get of f grid with insulation solar power small wind turbine and a well for water get a wooden build kit do it your self or hire builders.

Ah if only i could start again renovated 2 in France its hard work and you still have an inefficient money pit at the end if you want character build it in I would go new build if I had to start it again.

[i]mogrim[/i] - ours isn't a multi-million dollar project I'm afraid. Part of our aim is to try and fit in with the locals anyway though. I doubt you can ever fit in completely, but that's true of the British north South divide too 🙂

[i]cbmotorsport[/i] - cheers, will look into that.

[i]doug_basqueMTB.com [/i] - I might pick your brains as we move forward!

You can fit in completely. They still call me giri but I'm pretty integrated. Some places you practically get the house for free if you will do it up and provide a decent business plan involving tourism.

[i]doug_basqueMTB.com - Member

You can fit in completely. They still call me giri but I'm pretty integrated. Some places you practically get the house for free if you will do it up and provide a decent business plan involving tourism.
[/i]

That is pretty much what the architect was saying. I know you have to take everything people say about how easy it is with a pinch of salt but the place we are interested in has been on the market for yonks and if we're prepared to try and do something with it, licensing etc will not be a major problem. Of course there's gonna be paperwork, but I can live with that. If I have to buy someone a bottle of whiskey for Christmas - well it won't be the first time (was a sales rep for a (desperate) while)

It would break my heart to buy another bottle of whisky for a Spaniard. Last time I did that I watched them mix it with coke. Almost cried.

Good luck with your venture!

Thanks.

I'll post some pics when I can.

It would break my heart to buy another bottle of whisky for a Spaniard. Last time I did that I watched them mix it with coke. Almost cried.

That's where your personal touch is failing - you should have known if he was likely to do that or not... Still, a 30€ bottle of Talisker is a worthy sacrifice as a means to an end.

I ve stayed in bnbs in that area but now live further south. They do give away free houses inland to stimulate the local markets.
best advice I ever got was its a lot easier to run an illegal business than a legal one.
also do somthing else alongside. Everyone else does.
good luck though, I d buy a part done one - there must be loads.

@doug, interesting comments and yes I can believe local authorities will be very happy to see money being put into the area. The French put coke with Whisky too 😐

OP what @cb says is a good idea, pick the brains of others. From a personal standpoint I can see the Brits being keener on French side but TBH I could be just biased. Have a good a look around area wise, an ex colleague is Basque from a place South of Biarritz and is always raving about the area. Also as others have said the French often prefer to buy land and build than rennovate as it's cheaper and easier, Spain possibly the same.

Whilst the "enchufe" is common as a low-level form of corruption, be aware of individuals. For example, my two (female) bosses who needed planning permission to open their English academy were aked by the town-hall official for either sex or €3000 - they paid the money. Apparently not an uncommon request.

We have several ideas for making ends meet with other services.

Have to see how many of them are actually feasible though.

At the very least, the estate agent we're using could do with some English lessons!

There are always at least three police forces you can give copies of the recording of dealing with a corrupt official. And newspapers and government departments and his wife. Record everything and use the recordings to blackmail the corrupt official to get what you want if they are anything less than honest. We found officials honest; unhelpful, obstructive, job's worth, honest.

Water, property in Spain is worthless without mains water.

Location... .

We're looking at a property without any services currently connected. We were assured that all services were available in the road outside and given prices (approx) for complete connection. But if they accept our offer, we will not proceed until we have assurance in writing that they can be connected at a reasonable cost and in a timely manner.

Not wanting it to become a ransom issue!

My favourite part of the world. Ordesa national park is, for me, the 8th wonder of the world. I travel to Huesca 2-3 times a year as my late wife's family live there. Can't give any advice on buying/renovating, but I do think you will need to engage a local architect & lawyer. I wish you well. I would love to live in the region.The people are great. & you already know how stunning the area is. If you want to run a B&B who/what is your target market? In my experience, a large number of Spaniards from the region have 2nd properties in the mountains- Jaca, Panticosa, Biescas, Ainsa, Benasque etc (lucky buggers), which are used during the ski season or to escape for weekends, but they do like to have a choice of bars/ eateries nearby as, culturally they eat out, especially if they have down time. Summers are spent on the beach. Massive generalisation, I know but I have been frequenting the area for nearly 25 years & this is certainly the case for those that I have come in contact with.
How remote is the property? So would you be looking to attract Brits, Dutch, French etc?

we will not proceed until we have assurance in writing that they can be connected at a reasonable cost and in a timely manner.

That I doubt they will be able to give you, it's not in their hands but rather depends on the water / electricity / gas companies. Which may in turn depend on you getting the appropriate licence from the local council. Etc. Not impossible, and if the properties on either side are connected it probably won't be too hard, but still not something the seller can really give you a guarantee about.

Is rural but not remote, and the neighbouring properties are all fully connected. Services in the road are all available.

Will make sure I don't fall out with the architect! He seems a good sort with a genuine interest in promoting the area. I think, although it's not impossible, it's unlikely he would deliberately lead us on then pull the rug out from under us and con us.

although it's not impossible, it's unlikely he would deliberately lead us on then pull the rug out from under us and con us.

Certainly not impossible, I don't want to be alarmist - the vast majority of Spanish workers in general are basically honest and not out to rip you off - but there are 1000s of examples of half-built buildings around Spain where the constructor has either gone bust or done a runner. Granted, most were towards the end of the housing bubble, but it certainly can happen.

It's probably stating the obvious, but you shouldn't be paying it all upfront, something along the lines of 30%/30/35 +5% a month after completion when all the bugs are ironed out is fairly normal.

We are going to do the renovation in stages, with me doing all the bits I can myself. (We're not in a huge hurry) So it won't be a full blown project as such, but rather getting the pros in for specific tasks. That should mean there is never too much risk involved.

Doing a bit of forward planning this eve. Comparing prices between various methods of getting our belongings to Spain from South Africa.

Options include shipping direct to Spain. Shipping to the UK and then van-ing stuff to Spain ourselves. Selling up here and re-buying in Spain etc

Doesn't look particularly cheap, whichever way you cut it 🙁

Any recommendations or advice regarding shipping companies etc would be appreciated.

imvho there's no real short cut.

do you have enough stuff to fill a 20 foot or 40 foot container?

[i] konabunny - Member

imvho there's no real short cut.

do you have enough stuff to fill a 20 foot or 40 foot container? [/i]

Basically, we an chose to ship anywhere between "a whole house full of stuff" and "a suitcase of clothes each". It really is up to us. we could certainly fill a 6m (20ft) shipping container easy enough.

We've been looking at a company that ship what they call a "move cube" but they don't do direct to Spain. Only the UK.

http://www.sevenseasworldwide.com/en-za/

The equivalent cubic volume in "cardboard boxes" is the next option. But that won't suit any small (special) furniture or bikes etc.

It's a minefield but I will have to weave my way through it.

How much is worth bringing back - ie cost of shipping vs cost of replacement?

I've been relocated a few times, last time I paid. I recall the packing was £1.5k and the shipping and delivery/unpack £3k. This was from Singapore to London. Stuff all packed professionally and put into a container. That's the easiest way. Shipping costs depend on the route, Singapore / New York to UK are main routes so relatively cheap. Personally I'd say if you don't need the stuff in UK don't send it there.

I have an idea that when we start looking at the actual cost of shipping, a lot of our stuff won't be as important to us as we thought it was.

Maybe its "clean break" time . . . .

Depends how much stuff you've got. We went through the "shall we chuck it and start again" conversation but once we worked out that we definitely wanted to keep a fair amount (eg several bikes/tandems), the costs of shipping everything were not that much more. You don't really get much furniture, clothing, housewares for £5k. Ended up bringing back some stuff that was completely unwanted and workthless, cos it was easier than throwing it out!

We should have some big news by Monday regarding the offer we put in for a property.

Gonna be a long weekend!

So, we have put in an offer on a property in Guaso, 5kms outside the town of Ainsa in a beautiful area in the foothills of the Pyrenees Mountains, and it has been accepted.

Today we spoke with the architect in Spain regarding the 10% deposit for the property - until it is made the acceptance of our offer could, in theory, be retracted in favor of a higher offer from another interested party. We also spoke with the Spanish solicitor at "Asesoria-Morlan" Solicitors in Huesca and right now they should be talking to each other about us! I will phone them both back later to see how things are going. Spanish office hours are 9:30am to 8pm with two or three hours lunch!

Nice, fantastic riding round there.

A couple of friends out in Spain both bought ruined farmhouses but went about the renovations in different ways.
One chucked a load of money at a builder while the other tried to do it themselves bit by bit.
The builder did a good job but never registered the renovation or got the certificate of habitation from the local council even though my friends had paid for this. This meant a new escritura ( deeds) to be drawn up.£7000 for this.Getting mains electric has been a time consuming,around 5 years,and expensive time.Internet that worked would be a luxury.
The other farmhouse is not even 10% renovated,no mains water or electric and so far has swallowed around £120K over the space of 13 years.
If you feel confident then go for it as i'd set off back to Spain tomorrow.Just be prepared for the Spanish paperwork trail.

We have services in the street going past the house so connection shouldn't be too difficult. We also have an architect keeping an eye on things and an English speaking solicitor checking things as we go, so hopefully everything will go smoothly and within budget.

I appreciate the warnings though - I've heard so many horror stories.

Nice spot there. We guide there a lot and I have ridden through it many, many times. Hope it all goes well.

Expecting an email today from our Spanish solicitor telling us when is the earliest and when is the latest date we can complete the purchase of our Casa España.

There's a 90 day window.

Once we have those dates we can plan our next step which will probably involve me going back over there from South Africa to sign papers, pay the balance an then start working on the project with the architect . . . .

On shipping, you just need to talk with one of the very many shipping agents in South Africa. I would guess that SA is a net importer and that there are many containers going back empty. There is a container hub in Mallorca where deep sea cargo is trans-shipped for "local" delivery so I expect a FCL would go there and thence to your nearest port then onwards by road.

Cheers globalti - we are speaking to a few companies now. Its not cheap though.

May end up taking the bare minimum and replacing.

I've got an ultra just down the road from there at the beginning of October, might coincide with your sale going through!

Update 8) ? We love an update

Struggling to post pics. Most forums I use allow you to load a pic straight from the laptop.

Update . . . .

We've sold our house in SA. We've had shipping companies quote us on a container to Spain and we've chosen the company we will use.

Now we're packing up our house and getting ready to leave.

Container will be packed third week of Jan. I will fly to the UK and then drive to Spain after that to start work. Mrs Spekkie will stay on here in SA with friends until all the finances are sorted out and then follow me. Maybe 6 weeks later.

Meanwhile we're cycling every day and enjoying the heatwave we're having at the moment!

Our exchange rate took a beating recently due to reasons I won't go into on here. Hopefully it will recover a bit in the next 6 weeks.

I wanted to post pics from my Google Photos album by "getting Link" but it doesn't seem to work?

[img] https://goo.gl/photos/JHFYoKdmkA2fhsp96 [/img]

Good luck. Photos still not working - are they public, also just try posting the url / link

[url= https://goo.gl/photos/DNUprVUM8skUnwKV9 ]Picture Here[/url]
[url= https://goo.gl/photos/fa8KfxAmuitYbK2B8 ]And Here[/url]

[img] https://goo.gl/fg8dJr [/img]
[img] https://goo.gl/uxbvsn [/img]

I wish you all the best. Hope it all works out well.

Not that you will have a lot of reading time but '[url= http://www.amazon.co.uk/Driving-Over-Lemons-Optimist-Andalucia/dp/095600380X ]Driving Over Lemons[/url]' is a great book that walks through a similar experience to yours.

Cheers Stoner!

MTB-Idle - I'll look for the book. Evenings get dark early so there's some time to kill.

I MTBed through there a few weeks back, we were staying with Pierre and Marjorie in Arcusa for the enduro weekend. Good for a weekend but a little lonely in Winter. I prefer Spain's north coast. Hope you're happy there.

If anyone wants somewhere that's really cheap and on the Compostelle route our neighbour's ex will soon be selling his place, or his kids will as he has terminal cancer. No mains water though so whatever ever the price it will be too high.

Oh, and thanks for the global view tip, Stoner, it's making some financial arranging easier.

After four days of wrapping, packing and boxing our belongings, the shipping company are finally finished. The house is empty apart from the camping matress we're sleeping on and our suitcases.

This weekend we will visit my dad to say good-bye, next Saturday I leave SA for the UK and then a week or so later for Spain.

Exciting times ahead.

Keep pics coming to the thread when you get there

Stoner - for sure.

(Although last time I tried to post pics I ballsed it up a bit and you had to "fix it for me")

Hmmm, I'm jealous.

Good luck!

Currently in the UK and feeling the cold!

Next week I'm heading down to Spain to get our project going. I'm not sure it's much warmer in Spain right now though . . .

Update . . . After 18 odd hours of driving, 931 miles (1489km) travelled, one sleep-over in a bed & several 30min kips in the car, 2 packets of biscuits and three bars of chocolate, I arrived at our solicitors offices in Huesca last Wednesday afternoon for a 4pm meeting with our conveyancing solicitor, our translator and our new "tax and business advisor".

All went well and then it was an hours drive from Huesca, via Macdonalds and their free internet, to the apartment we've rented in Ainsa, 4km from our village of Guaso.

Since then I've been to our bank and activated our Spanish bank account cards - happy to see we still have some money in the bank - and had a good meeting with our architect, who has come up with a really good design plan for our house 🙂

Sweet!

who has come up with a really good design plan for our house

post images so we can all pile in!

Yes post images so us arm chair architects and builders can hide our jealousy with sharp remarks.

In all seriousness its always inspiring to see people take a leap like like this. Good luck.

There are certain rules that you have to comply with if you move to Spain to live and you are not actually moving to a job (and therefore paying tax to the Spanish government).

The first rule is that you have to prove that you can support yourself financially. This means obtaining a "balance certificate" from your Spanish bank proving that you have at least 5000 Euros (for a single person) or 8000 Euros (for a couple) in the bank. The second rule requires you to take out a private medical insurance policy so that you will be taken care of in the event of injury or illness and not be a burden on the Spanish "Seguridad Social". These proofs have to be taken together to the police station where they will be officially noted and logged. Then you can be given "Spanish residence".

We took an hour's drive through to the town of Huesca yesterday to visit our "legal team" at the offices of Asesoría Morlán. They are taking care of all of our legal matters here in Spain. (and I can't recommend them enough. They have been fantastic with us!) They provided the conveyancing solicitor for our property purchase back in September and the Tax Advisor I spoke to about registering ourselves as a business when I visited them upon arriving in Spain nearly a month ago. They also found us our rental apartment in Ainsa and did all the communicating and arranging with the Spanish landlady!

Yesterday we met with an Insurance Advisor who, with the help of our friend and translator Sole, talked us through the private medical insurance we need to take out.

Everything is looking good. Everything is being done correctly and legally. (not my normal modus operandi I must admit - I tend to just do what I like and see what happens).

So, from today we should have full medical insurance. Now finally I can climb up on the roof and start taking off the old roof tiles . . . !

LIKE ^^

This means obtaining a "balance certificate" from your Spanish bank proving that you have at least 5000 Euros (for a single person) or 8000 Euros (for a couple) in the bank. The second rule requires you to take out a private medical insurance policy so that you will be taken care of in the event of injury or illness and not be a burden on the Spanish "Seguridad Social"

do we do the same in the UK?

good to hear all moving along nicely.

Why can't you get a European health card? You've said you're moving from Africa but if you have a passport from a European country you should be able to get a card from that country which is valid for a couple of years. The Euro card is all you need to get the all-important Spanish "number". The cash-in-bank rule seems odd too.

IME the best help comes from your consulate and saves paying anyone less competent for advice which may or may not apply to someone in your situation. The British and French consulates are very helpful, they deal with thousands of people in your situation and if the information you need isn't on their websites will respond positively to phone calls and e-mail.

I would love to do this...

Please keep posting spekkie and good luck...

Thanks Clobber - and will do. Exciting times for us 🙂