Serneholt Estate Magazine nr 2 2024

Family Fun:

Family Friendly Activities

Magazine

Nr 2 2024

Expanding Horizons Serneholt Estate’s Strategic Growth and Vision

Healthcare Tips for Families moving to

SPAIN Investment Opportunities in Spain

Contents 06 Welcome to Serneholt Estate Whether you’re buying or selling a property, it can be good to have a friend to hold your hand through the process.

Let us be that friend.

We have offices in Torrevieja, Fuengirola, Nueva Andalucía / Puerto Banús, Marbella Centre, / Golden Mile, San Pedro Alcántara, Estepona, Manilva, Gran Canaria, Mallorca, Tenerife and Cyprus. You are always welcome to contact us and we will help you to find your dream home.

Head Office

San Pedro Alcántara

Gran Canaria

Centro Plaza Planta 1, Local 3,

Avd. Salamanca, Urb. Aqua, Blq 7, Local 1

Calle Dalias 12 CC San Agustín, Locales 328-329

29660 Marbella

29670 San Pedro Alcántara

info@serneholtestate.com

sanpedro@serneholtestate.com

+34 951 560 933

+34 951 560 933

+34 828 714 280

Nueva Andalucía / Puerto Banús

Estepona

Mallorca

Centro Plaza Local 65-66,

Calle Santa Ana 36,

29660 Marbella

29680 Estepona

nuevaandalucia@serneholtestate.com

estepona@serneholtestate.com

+34 951 560 933

+34 951 568 614

Marbella Centre

Manilva

Tenerife

Avda. Carlos Mackintosh,

Calle Boqueron 1 (Puerto de la Duquesa)

Calle Valle Menéndez 22

Local 1A, 29602 Marbella

29691 Manilva

38650 Playa Los Cristianos

goldenmile@serneholtestate.com

manilva@serneholtestate.com

tenerife@serneholtestate.com

+34 952 181 272

+34 602 291 119

+34 608 423 243

Fuengirola

Costa Blanca

Cyprus

Calle España 3, 29640 Fuengirola

torrevieja@serneholtestate.com +46 728 817 856

35100 San Agustín, Gran Canaria grancanaria@serneholtestate.com

Avinguda de Joan Miró 266

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Top International Schools

An Interview with Cyprus Office

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32

Family-Friendly Activities

Investment Opportunities in Spain

20

34

Healthcare for Families Moving to Spain

Cano & Cano: Hiring a lawyer when purchasing a property

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36

Expanding Horizons Serneholt Estate’s Strategic Growth and Vision

06 14 24

Interview: Streamlining Secure Currency Transactions with Lumon

07015 Palma de Mallorca mallorca@serneholtestate.com +34 621 237 580

Ioanni Polemi 32A 3085 Limassol, Cyprus

fuengirola@serneholtestate.com

cyprus@serneholtestate.com

+34 952 638 815

00357 25 714014

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An Interview with Mallorca Office

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An Interview with Tenerife Office

38 Serneholt Property Highlights

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Letter from the CEO As we wrap up a hectic and eventful summer, we are stepping into the next season with our largest and capable team ever.

COSTA DEL SOL OFFICES We have appointed a new Manager, Jonas Nelsén, who will manage the offices in Marbella Centre and Centro Plaza with extensive expertise to enhance our clients’ experience significantly.

Our Fuengirola office has new owners and is relocating to a new location to expand and accommodate the growing business. Johan and Malin Thorsell are embarking on an exciting journey with the office.

In Estepona, new team members are joining and Caroline Björkrud will assume office management responsibilities.

COSTA BLANCA OFFICE Our team in Torrevieja has doubled in size in recent weeks and with the addition of Fredrik Lindman and Rasti Amin, Lena Kock and Anders Zanton now have a well-rounded team to meet the seasonal demands.

CANARY ISLANDS Typically, summers on the island are quieter, but we have observed a significant demand for properties, particularly in the southern part of Gran Canaria. Therefore, we anticipate that the upcoming season will be our most successful yet.

MALLORCA OPENING COVERING THE BALEARIC ISLANDS IN SPAIN One of the highest demanded markets in Spain have always been Mallorca, the island is the biggest of all islands in Spain and since the 50´s it has been one of the most popular destinations for tourism. Serneholt Estate and our Franchisee´s Susanne and Jani Granroth looking forward to help you find your dream home on the island. You can read more about Mallorca and our opening there in this magazine on page XX.

CYPRUS - FIRST COUNTRY OUTSIDE SPAIN WHERE WE WILL OPEN A SERNEHOLT ESTATE OFFICE Since we opened the first office in Spain in 2016, we have explored various markets for expansion but not found the right fit until now.

Cyprus has a very interesting Real Estate portfolio with city living, holiday homes and both short- and long-term investments. We have identified a market gap where we can provide clients with a comprehensive service package with selling, buying and living in Cyprus.

Our experienced team in Cyprus possesses in-depth market knowledge and is already actively engaged in sales. For more information about Cyprus and our team, please see page xxxx.

Fredrik Serneholt, Founder Serneholt Estate

Top International Schools in

Costa del Sol, Costa Blanca, Gran Canaria, Mallorca, Tenerife and Cyprus Renowned for its rich history, fascinating culture, and picturesque landscapes, Spain and Cyprus are also a hub for excellent educational opportunities. For expatriate families and international residents, the country offers a variety of top-tier international schools.

These institutions provide high-quality education, following internationally recognised curricula such as the International Baccalaureate (IB), British, or American systems. This guide explores some of the premier international schools in these regions, helping you make informed decisions about your children’s education.

Costa del Sol The Costa del Sol, located in the southern part of Spain, is famous for its sunny weather, beautiful beaches, and thriving expat community. The region boasts several prestigious international schools.

ALOHA COLLEGE, MARBELLA

DEN NORSKE SKOLEN, BENALMÁDENA

Curriculum: British and IB Age Range: 3-18 years

Curriculum: Norwegian Age Range: 6-16 years

Founded in 1982, Aloha College is one of the oldest and most respected international schools on the Costa del Sol. It offers a British-style education and the International Baccalaureate Diploma Programme (IBDP). The school prides itself on its diverse community, excellent academic results, and extensive extracurricular activities. The campus is equipped with modern facilities, including science labs, sports fields, and art studios, ensuring a wellrounded education for students.

This school caters to the Norwegian community, following the Norwegian national curriculum. It offers education in Norwegian, ensuring that students can smoothly transition back to the Norwegian education system if they return home.

SOTOGRANDE INTERNATIONAL SCHOOL, SOTOGRANDE Curriculum: IB Age Range: 3-18 years Situated in the luxurious area of Sotogrande, this school is known for its commitment to holistic education. It offers the full range of IB programs (PYP, MYP, and DP) and focuses on developing well-rounded students. Facilities include state-of-the-art classrooms, sports facilities, and boarding options. For families seeking boarding options, the school offers excellent facilities that provide a homeaway-from-home experience. Boarding students benefit from a structured environment that supports both their academic and personal growth.

Curriculum: American (US) and IB Diploma Age Range: 3-18 years Atlas American School offers a US-style education along with the International Baccalaureate Diploma Programme (IBDP) for senior students. Located in Málaga, this school provides a globally recognised education through a mix of American curriculum and IB options, making it a great choice for students aiming for universities worldwide. The school’s modern facilities and emphasis on innovation, critical thinking, and creativity are key features. Extracurricular activities, sports, and arts are also integral to its educational philosophy, promoting a holistic approach to learning.

SVENSKA SKOLAN MARBELLA & FUENGIROLA Curriculum: Swedish Age Range: 3-16 years

SWANS INTERNATIONAL SCHOOL, MARBELLA Curriculum: British and IB Age Range: 3-18 years Swans International School has a strong reputation for academic excellence and a supportive learning environment. The school follows the British curriculum up to IGCSE and then offers the IB Diploma for senior students. It emphasises the importance of personal development alongside academic achievement.

ATLAS AMERICAN SCHOOL OF MÁLAGA

Svenska Skolan has campuses in Marbella and Fuengirola, offering education from preschool to secondary school.

Both campuses follow the Swedish national curriculum, providing a seamless educational experience for Swedish expatriate families. The school emphasises a strong connection to the Swedish language, culture, and traditions, ensuring that students receive an education comparable to what they would get in Sweden. Known for its supportive environment and small class sizes, Svenska Skolan creates a personalised and nurturing atmosphere for its students

Swans International School, Marbella

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Gran Canaria Gran Canaria, the third largest of the Canary Islands, combines a beautiful environment with excellent educational facilities. The island has several reputable international schools catering to the diverse expatriate population.

SVENSKA SKOLAN GRAN CANARIA, LAS PALMAS

CANTERBURY SCHOOL, LAS PALMAS

Curriculum: Swedish Age Range: 6-16 years Svenska Skolan Gran Canaria is the only Swedish school on the island, offering education that follows the Swedish national curriculum. The school provides a familiar environment for Swedish families, ensuring that students can seamlessly continue their education after relocating. The school integrates Swedish cultural events and traditions, creating a vibrant Swedish community in Gran Canaria.

Curriculum: British Age Range: 2-18 years Canterbury School is a prestigious institution known for its academic rigor and holistic approach to education. It offers the British curriculum from primary to secondary over three campuses and prepares students for IGCSE and A-Level examinations, as well as a wide range of extracurricular activities, including sports, music, and drama.

ARENAS INTERNATIONAL SCHOOL, LAS PALMAS

BRITISH SCHOOL OF GRAN CANARIA, TAFIRA AND MASPALOMAS

Curriculum: International Baccalaureate (IB) Age Range: 3-18 years

Curriculum: British Age Range: 2-18 years

This school follows the IB curriculum, providing a globally recognised education. The school is known for its multicultural environment and modern facilities.

Established in 1966, The British School of Gran Canaria is a well-established institution offering a British education. With a primary campus in Maspalomas, and primary and secondary campus in Tafira, it focuses on academic excellence, personal development, and global citizenship. The school has modern facilities and a wide range of extracurricular activities.

Costa Blanca, with its stunning coastline and warm climate, is another popular destination for expatriates. The region offers a selection of high-quality international schools.

WILLOW INTERNATIONAL SCHOOL, SAN MIGUEL DE SALINAS

THE O’BRIEN ACADEMY, SAN MIGUEL DE SALINAS

Curriculum: British Age Range: 3-18 years

Curriculum: British Language Focus Age Range: 6-18 years

Willow International School offers a British-based curriculum and provides a nurturing environment for children of all ages. The school prides itself on academic excellence and offers a wide range of extracurricular activities. It’s known for its focus on student well-being and individualised learning.

The O’Brien Academy specialises in providing a Britishstyle education while placing a strong emphasis on language learning. It offers small class sizes and personalised attention to support each student’s academic and linguistic development, making it an excellent choice for those looking to enhance their language skills in a supportive educational environment.

SCANDINAVIAN SCHOOL, LA ZENIA

OAKLEY COLLEGE, LAS PALMAS

EL LIMONAR INTERNATIONAL SCHOOL, SAN MIGUEL DE SALINAS

Curriculum: Scandinavia Age Range: 4-16 years

Curriculum: British Age Range: 2-18 years Oakley College provides a British-style education with a strong emphasis on bilingualism. The school offers a nurturing environment, excellent teaching staff, and a broad curriculum that includes the arts, sports, and community service as well as encouraging students to participate in community service projects, helping them to develop a sense of social responsibility and empathy.

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Costa Blanca

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This school caters primarily to Scandinavian families, following a curriculum that aligns with the educational standards of Scandinavian countries. The school emphasises outdoor learning, creativity, and personal development, creating a supportive and engaging learning environment.

Curriculum: British Age Range: 3-18 years El Limonar International School follows the British curriculum and is known for its strong academic foundation and supportive learning environment.

The school offers a range of subjects, extracurricular activities, and facilities to foster well-rounded development.

Oakley College, Las Palmas de Gran Canaria

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Mallorca Mallorca, the largest of the Balearic Islands, is not only a popular tourist destination but also home to several outstanding international schools.

RAFA NADAL INTERNATIONAL SCHOOL, MANACOR

AGORA INTERNATIONAL SCHOOL, PORTALS

Curriculum: British and IB Age Range: 3-18 years

Curriculum: British and IB Age Range: 2-18 years

Founded by the famous tennis player Rafael Nadal, this school offers a unique blend of academic excellence and sports training. It follows the British curriculum and offers the IB Diploma Programme. The school emphasises the importance of physical education alongside academics.

The school’s partnership with the Rafa Nadal Academy provides students with world-class sports training facilities. This unique combination of academics and sports helps students to excel in both areas.

Agora Portals International School provides an innovative and multilingual education, combining the British curriculum with the IB. Its focus on STEAM subjects, languages, and global citizenship helps students excel in an interconnected world. The school fosters a love of learning through international exchanges, arts, sports, and experiential learning

GREEN VALLEY INTERNATIONAL SCHOOL, CALVIÀ

RAOUL WALLENBERG INTERNATIONAL SCHOOL, PALMA DE MALLORCA Curriculum: Cambridge International Age Range: 5-11 years (expanding)

Curriculum: British and IB Age Range: 3-18 years Green Valley International School delivers a nurturing, inclusive environment where students are encouraged to develop their potential through a blend of the British curriculum and the IB Diploma Programme. With a focus on critical thinking, creativity, and human values, the school promotes a well-rounded education that is modern, student-centred, and supportive​.

RWIS in Palma is dedicated to providing a holistic and future-focused education based on the Cambridge curriculum. With small class sizes and an emphasis on values such as honesty, compassion, courage, and drive, RWIS creates a nurturing learning environment where students thrive both academically and socially. The RWIS approach integrates 21st-century skills, emotional development, and intercultural competencies.

Colegio Costa Adeje, Costa Adeje

Tenerife Tenerife, the largest of the Canary Islands, is known for its breathtaking landscapes, mild climate, and vibrant cultural life. The island is also home to several reputable international schools, providing excellent educational opportunities for expatriate families.

WINGATE SCHOOL, ARONA

COLEGIO CASA AZUL, PUERTO DE LA CRUZ

Curriculum: British Age Range: 3-18 years

Curriculum: Spanish and IB Age Range: 3-18 years

Established in 1982, Wingate School is one of the most respected British schools in Tenerife. It offers the British curriculum, leading to IGCSE and A-Level qualifications.

The school is known for its strong academic performance, supportive environment, and wide range of extracurricular activities. With modern facilities, including science labs, sports fields, and art studios, Wingate School provides a well-rounded education that encourages both academic and personal growth.

Colegio Casa Azul is a bilingual international school offering the Spanish curriculum alongside the International Baccalaureate (IB) Diploma Programme. The school emphasises bilingual education, with a strong focus on both English and Spanish languages. Known for its academic rigor and emphasis on personal development, Colegio Casa Azul provides a nurturing environment that encourages students to excel academically while developing their global perspective.

THE BRITISH SCHOOL OF TENERIFE, LA OROTAVA

COLEGIO COSTA ADEJE, COSTA ADEJE Curriculum: Spanish and British Age Range: 3-18 years

Curriculum: British Age Range: 3-18 years The British School of Tenerife is a well-established institution offering a British-style education. It prepares students for IGCSE and A-Level examinations, with a strong focus on academic achievement and personal growth.

The school prides itself on its close-knit community and supportive learning environment, ensuring that each student receives the attention and guidance they need to succeed. The curriculum is enriched with a wide range of extracurricular activities, including sports, music, and drama.

Rafa Nadal International School, Manacor Elian’s British School, La Nucía

Colegio Costa Adeje offers a bilingual education, combining both the Spanish national curriculum and the British system, culminating in IGCSE and A-Level qualifications. The school emphasizes language proficiency in both English and Spanish and offers a well-rounded academic experience, with a particular focus on extracurricular activities such as music, sports, and arts.

With modern facilities, including sports fields, science labs, and a theatre, the school fosters a balanced development of academic and creative skills.

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Cyprus Cyprus, with its rich history, warm climate, and strategic location at the crossroads of Europe and the Middle East, is home to a diverse expatriate community. The island offers several top-tier international schools, providing high-quality education in a multicultural environment.

ASPIRE PRIVATE BRITISH SCHOOL, PAPHOS Curriculum: British (UK National Curriculum) Age Range: 3-18 years Aspire Private British School, located in Paphos, offers a high-quality British education from early years to A-Level. With a focus on small class sizes, the school provides personalised learning, preparing students for IGCSE and A-Levels. Aspire is known for its strong academic performance and a broad extracurricular program, including sports, music, and the Duke of Edinburgh Award. The school is committed to fostering both academic excellence and the personal growth of each student​.

HERITAGE PRIVATE SCHOOL, LIMASSOL Curriculum: : Cambridge Primary and UK National Curriculum Age Range: 2-19 years Heritage Private School, founded in 1987, is one of the largest international schools in Cyprus, offering the Cambridge and British curricula. Located in Limassol, it serves students from early years through to secondary, preparing them for IGCSE, A-Levels, and other international qualifications. The school features extensive extracurricular activities, including sports, music, drama, and over 100 clubs, ensuring a holistic education.

Heritage is recognised for its excellent facilities and commitment to academic and personal development​..

FOLEY’S SCHOOL, LIMASSOL Curriculum: British Age Range: 3-18 years Foley’s School is one of the most respected British international schools in Cyprus, located in Limassol. It offers the British curriculum from primary through to A-Level. The school is renowned for its academic rigor, strong sense of community, and commitment to fostering individual student potential. Foley’s School provides a wide range of extracurricular activities, including arts, sports, and community service, encouraging students to develop their interests and talents beyond the classroom.

THE ISLAND PRIVATE SCHOOL, LIMASSOL Curriculum: International Baccalaureate (IB), Montessori, Waldorf Age Range: 3-18 years The Island Private School offers a unique educational experience in Limassol, combining IB, Montessori, and Waldorf programmes. The school provides a full IB continuum from Primary Years to the IB Diploma, ensuring a well-rounded, inquiry-based education. It also integrates environmental and community-focused initiatives, emphasising creativity, critical thinking, and global awareness. Students graduate with both the Apolytirion and, optionally, the IB Diploma, giving them an advantage in higher education.

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Spain and Cyprus offer a variety of respected international schools catering to the diverse needs of expatriate families. These institutions provide high-quality education, following internationally recognised curricula and fostering a multicultural environment.

When choosing a school, it is important to consider factors such as curriculum, location, facilities, and the overall ethos of the institution to ensure it aligns with your child’s needs and aspirations. With the right school, children can enjoy a rich educational experience in a fabulous environment that prepares them for a successful future in today’s globalised world.

Family-Friendly Activities in

Costa del Sol, Costa Blanca, Gran Canaria, Mallorca, Tenerife and Cyprus Spain and Cyprus have long been a favourite destinations for families either visiting on holiday or relocating to enjoy an enviable lifestyle in the year-round sun. Spain and Cuprus are renowned for their family-friendly offerings, with an array of activities across its beautiful coastal regions to suit all ages and budgets.

Selwo Marina, Benalmádena

So, if you’re seeking fun-filled days out for all the family, your search ends here. We’ve put together an extensive guide to family-friendly activities in Spain and Cyprus. This guide features an array of parks, museums, and cultural centres, ensuring there is something to captivate every member of the family.

Costa Blanca Costa del Sol BIOPARC FUENGIROLA Bioparc Fuengirola is a unique zoo that emphasises the recreation of natural habitats for its animals. It provides an immersive experience where families can observe animals such as lemurs, gorillas, and tigers in environments that closely mimic their natural surroundings. The park also hosts educational talks and interactive experiences, making it both fun and informative for children and adults alike.

SELWO AVENTURA, ESTEPONA Selwo Aventura is a wildlife park where families can embark on safari tours to see a wide variety of animals, including lions, giraffes, and elephants. The park offers adventure activities such as zip-lining and archery, providing a thrilling experience for all ages. It’s a fantastic way to combine excitement with learning about wildlife and conservation.

MIJAS WATERPARK AquaMijas is a popular water park located in Mijas Costa.

It features a range of water slides, a wave pool, and dedicated areas for younger children. You will also find snack bars, deck chairs and lockers, making it an ideal spot for families to cool off and enjoy a day of water fun under the Spanish sun.

TERRA MÍTICA, BENIDORM Terra Mítica is a theme park that takes visitors on a journey through ancient civilisations, including Egypt, Greece, and Rome. The park features a variety of rides, live shows, and interactive experiences, making it a hit with both kids and adults. It’s divided into different themed areas, each offering unique attractions.

MUNDOMAR, BENIDORM Mundomar is a marine and exotic animal park offering interactive experiences with dolphins, sea lions, and exotic birds. Families can enjoy live animal shows and participate in feeding sessions, providing both entertainment and education. The park also features various habitats replicating the natural environments of its inhabitants, ensuring an immersive and enriching experience for visitors of all ages.

SELWO MARINA, BENALMÁDENA This unique marine park offers an immersive experience with marine life. Visitors can enjoy dolphin and sea lion shows, explore the penguin enclosure, and marvel at exotic birds. The park is divided into four themed areas: Antilles, Ice Island, La Hondonada, and Amazonia, each showcasing different ecosystems and species.

Terra Mítica, Benidorm

AQUALANDIA, BENIDORM Aqualandia is one of Spain’s largest water parks and the sister park to Mundomar next door. From the Vertigo slide’s exhilarating 22m sheer drop to the more sedate Lagoon or Amazonas areas, Aqualandia features a variety of exciting slides, wave pools, and splash areas. It caters to all ages, making it perfect for families looking to enjoy a fun and refreshing day out.

ELCHE PALMERAL ADVENTURE, ELCHE Elche Palmeral Adventure, located in the historic Palmeral of Elche, a UNESCO World Heritage site, offers thrilling family fun. The park features a 200m-long zip line, climbing walls, and obstacle courses set among thousands of palm trees, suitable for ages five and up. Families can enjoy exhilarating activities while learning about the ecological significance of the palm grove. With picnic areas and walking paths, it’s perfect for a full day of outdoor enjoyment.

Gran Canaria PALMITOS PARK, MASPALOMAS Palmitos Park is a botanical garden and aviary that houses a variety of exotic plants, birds, and animals. Highlights include the dolphinarium, birds of prey show, and orchid house. It’s a wonderful place for families to learn about wildlife while enjoying the park’s beautiful natural surroundings.

SIOUX CITY, SAN BARTOLOMÉ DE TIRAJANA Sioux City is a Wild West theme park with Western-style builings where families can experience the American frontier mock gun fights and mock bank robberies to cattle runs and cowboy shows, making for an exciting and unique day out.

ANGRY BIRDS ACTIVITY PARK, PUERTO RICO This amusement park, inspired by the popular video game, offers a variety of activities including trampolines, zip lines, and climbing walls. Children 4 – 12 are the intended age range of this park and with foam parties, sprinklers and showers as well as peddle carts, it provides a safe and entertaining environment for active play.

POEMA DEL MAR, LAS PALMAS This is a modern aquarium spanning over 12,500m2, featuring a massive curved acrylic window, one of the largest in the world, providing a panoramic view of the main tank. This giant aquarium houses a variety of marine creatures, including fish, rays, and sharks. The facility is divided into three main zones: Jungle, Reef, and Deep Ocean. Each zone replicates different aquatic ecosystems, showcasing freshwater species, vibrant coral reefs, and deep-sea creatures. Interactive experiences, such as touch pools and feeding sessions as well as snack bars offer a comfortable and educational visit for families.

Poema del Mar, Las Palmas

Mallorca KATMANDU PARK, MAGALUF

Palma Aquarium, Palma de Mallorca

HIDROPARK, ALCÚDIA

Katmandu Park is an adventure theme park offering attractions such as a 4D cinema, splash park, and minigolf. One of the highlights is the interactive House of Katmandu, where families can embark on a thrilling journey through a mysterious world.

Hidropark is a water park in northern Mallorca offering various slides, wave pools, and splash areas. The park also has mini-golf and floating balls, providing plenty of entertainment options for families.

MARINELAND, CALVIÀ

PALMA AQUARIUM, PALMA DE MALLORCA

Marineland is a marine zoo and dolphinarium featuring entertaining shows with dolphins, sea lions, and parrots.

The park also has an aquarium with tropical fish and a penguin enclosure, making it a fantastic place for families to learn about marine life.

Palma Aquarium showcases the biodiversity of the Mediterranean Sea and other oceans. It features interactive exhibits, touch pools, and a shark tunnel, offering both educational and enjoyable experiences for families

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Cyprus FASOURI WATERMANIA, LIMASSOL

CYPRUS ADVENTURE PARK, PLATRES

Fasouri Watermania is the largest water park in Cyprus, featuring a range of slides, wave pools, and lazy rivers.

With attractions like the Black Hole and the Kamikaze slide, as well as areas designed specifically for younger children, the park offers a fun-filled day for the entire family. The park also includes shaded areas, snack bars, and sunbeds for a comfortable visit.

The Cyprus Adventure Park offers an array of outdoor activities amidst the picturesque Troodos Mountains.

Families can enjoy zip-lining, climbing walls, and obstacle courses designed for different age groups. The park’s scenic location and various adventure options make it a great choice for an active family outing.

THE CYPRUS MUSEUM, NICOSIA

PAFOS ZOO, PAFOS Pafos Zoo is a well-designed park that houses a wide variety of animals, including lions, tigers, and exotic birds. The zoo is known for its interactive animal shows and educational presentations, making it an engaging experience for children and adults alike. The park’s spacious enclosures and beautiful landscaping add to the overall enjoyment.

Teide National Park

For a cultural experience, the Cyprus Museum provides an educational journey through the island’s rich history.

The museum features a vast collection of archaeological artifacts, including ancient sculptures and pottery. Familyfriendly exhibits and interactive displays ensure that both children and adults can enjoy learning about Cyprus’s cultural heritage.

Tenerife LORO PARQUE, PUERTO DE LA CRUZ

JUNGLE PARK, ARONA

Loro Parque is a renowned zoological park famous for its vast collection of parrots and other wildlife. The park offers spectacular animal shows featuring dolphins, sea lions, and orcas. Additionally, the park’s impressive aquarium and penguin habitat provide a fascinating experience for visitors of all ages. Educational talks and interactive exhibits make Loro Parque both entertaining and informative.

Jungle Park is an adventure park that combines animal encounters with exciting activities. Set in a lush tropical forest, the park features an array of animals, including tigers, lemurs, and birds of prey. Families can also enjoy a thrilling treetop adventure course and zip-lining experiences, providing an action-packed day out.

SIAM PARK, ADEJE

For families who enjoy outdoor adventures, Teide National Park offers a stunning natural landscape centred around Mount Teide, Spain’s highest peak. Families can take a cable car ride to the summit for breathtaking views or explore the park’s various walking trails. The park’s unique volcanic terrain and diverse flora make it a fascinating destination for nature enthusiasts.

Siam Park is one of the world’s largest and most impressive water parks, offering a blend of thrilling rides and relaxing areas. With attractions like the Tower of Power, a massive slide with a vertical drop, and the lazy river for more relaxed fun, Siam Park caters to all ages. The park’s Thai-themed design and lush landscaping create a unique and exotic atmosphere.

The Cyprus Museum, Nicosia

TEIDE NATIONAL PARK

The rich cultural heritage os Spain and Cuprys, combined with modern attractions, makes it a perfect destinations for families seeking both fun and education. Of course, the stunning coastal areas are a destination in themselves, perfect for family days making memories that will last forever.

The welcoming climate further enhances the experience, ensuring that every visit is a memorable one.

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OVERVIEW OF THE SPANISH HEALTHCARE SYSTEM Spain boasts a well-regarded healthcare system that combines public and private healthcare options, offering comprehensive medical services to residents.

1.Public Healthcare (Sistema Nacional de Salud - SNS): Spain’s public healthcare system is one of the best in the world, providing universal coverage to all residents. Funded through taxes, the SNS offers a wide range of services, including general practice, specialist care, hospital services, and emergency treatment, mostly at no direct cost to the patient. However, some services, such as dental care, may require out-of-pocket expenses or supplemental insurance.

2.Private Healthcare: In addition to the public system, Spain has a thriving private healthcare sector. Many residents opt for private health insurance, which allows them access to private hospitals, shorter waiting times, and a broad range of specialists.

Private healthcare is often used in conjunction with public services, particularly for non-emergency treatments and elective procedures.

Healthcare for Families Moving to Spain:

Navigating the Spanish Healthcare System Relocating to Spain is an exciting adventure for many families, offering a host of new experiences thanks to its rich culture, beautiful landscapes, and high quality of life. However, one of the most important aspects of settling into your new home is understanding how to navigate the healthcare system. Spain is known for its highly sophisticated infrastructure and robust health service, but for newcomers, it’s essential to familiarise yourself with the available facilities and services. We hope this guide will provide an overview of the Spanish healthcare system and practical tips for new residents to ensure your family’s well-being and peace of mind.

If you want to know more about Health care in Cyprus, please contact the team at cyrpus@serneholtestate.com or 00357 25 714014

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HEALTHCARE FACILITIES IN SPAIN

TIPS FOR NAVIGATING THE HEALTHCARE SYSTEM IN SPAIN

As a new resident in Spain, it’s important to familiarise yourself with the types of healthcare facilities available to ensure that your family receives the care they need:

1. Primary Care Centres (Centros de Salud): The first point of contact for most healthcare needs in Spain is the local primary care centre, known as a Centro de Salud. These centres offer a range of services, including general practitioners (GPs), paediatricians, and nursing services. It’s important to register at your nearest Centro de Salud shortly after arriving, as this will give you access to a GP and other essential services.

2. Specialists: Specialist care in Spain is generally accessed via referral from your GP. Specialists are available within the public system and through private healthcare providers. Common specialities include cardiology, dermatology, and paediatrics. Public hospitals often have specialist departments, while private clinics may offer more personalised care with shorter wait times.

3. Hospitals: Spain has a network of public hospitals (hospitales públicos) that provide comprehensive healthcare services, including emergency care, surgeries, and specialised treatments. Additionally, there are private hospitals (hospitales privados) where care is provided for those with private insurance or who choose to pay out-of-pocket. It’s useful to know the location of the nearest public and private hospitals in your area.

4. Pharmacies (Farmacias): Pharmacies in Spain are widespread and serve as an important resource for healthcare. In addition to dispensing prescription medications, pharmacies offer over-the-counter drugs, health advice, and in some cases, basic health services like blood pressure checks or vaccinations. Pharmacies are easily identifiable by a green cross and can be found in most neighbourhoods.

Understanding how to navigate the Spanish healthcare system will help you ensure that your family’s medical needs are met efficiently:

1. Register with a Centro de Salud: As soon as you have your residence permit (Tarjeta de Residencia) and are registered in the social security system, you should register with your local Centro de Salud. This will allow you to choose a GP and access other primary care services.

The registration process is straightforward and can be done in person at your nearest centre.

2. Understand the Social Security System: Spain’s public healthcare is funded through the social security system (Seguridad Social). If you are employed in Spain, contributions to social security are automatically deducted from your salary, giving you and your family access to public healthcare. If you’re self-employed or unemployed, you may need to register and pay contributions independently to access these services.

3. Consider Private Health Insurance: While Spain’s public healthcare system is comprehensive, some families choose to take out private health insurance for additional peace of mind. Private insurance can provide faster access to specialists and elective treatments, as well

as access to private hospitals. It’s worth exploring different insurance options to find a plan that suits your family’s needs.

4. Learn Basic Spanish Medical Terms: While many healthcare professionals in Spain speak English, especially in larger cities and tourist areas, having a basic understanding of Spanish medical terms can be extremely helpful. Knowing how to describe symptoms, ask for specific services, or understand prescriptions can make your healthcare experience smoother.

5. Keep Important Documents Accessible: Always have your social security number (Número de Seguridad Social), health card (Tarjeta Sanitaria), and any private insurance information readily available. These documents are essential when accessing healthcare services, and having them on hand will save time and hassle in any medical situation.

6. Stay Informed About Local Healthcare Resources: Different regions in Spain have slightly varying healthcare services, so it’s important to stay informed about the specific resources available in your area. This includes local health programs, specialist centres, and any regional health initiatives that may benefit your family.

5. Emergency Services: In the event of a medical emergency, Spain’s public healthcare system provides excellent emergency care. You can access emergency services by dialling 112, the EU-wide emergency number. Emergency departments (Urgencias) in hospitals are equipped to handle urgent health issues, and ambulances are readily available.

Informing yourself of your choices ensures you will confidently navigate the healthcare landscape. Moving to Spain offers a wealth of opportunities and a high standard of living, including a mature and sophisticated healthcare system.

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Serneholt Estate

OUR STRATEGIC EXPANSION

Expanding Horizons: Serneholt Estate’s Strategic Growth and Vision

At Serneholt Estate, our journey of growth and expansion has been both exciting and transformative. This year marks a significant milestone for us, as we have successfully opened new offices in Costa Blanca, Mallorca, Terenife, and proudly established our first international office in Cyprus. These achievements represent our commitment to delivering top-tier real estate services across diverse markets and continuing to grow our brand’s presence

The expansion into new territories like Costa Blanca, Mallorca, Tenerife, and Cyprus demonstrates our strategic vision. At Serneholt Estate, we believe in choosing locations that not only align with our brand’s values but also have the potential to thrive. As we bring these new offices online, our primary focus is to help them establish a strong physical presence in the right locations. We’re optimistic that all of these offices will be fully operational before the year’s end, allowing us to serve even more clients with the quality and expertise that defines Serneholt Estate.

Looking ahead, we are already in discussions with potential franchisees both within Spain and internationally. Our goal is to continue our expansion thoughtfully and strategically, with the possibility of opening more offices in the coming months. This continued growth is part of our broader strategy to increase brand awareness and enhance our market presence in key regions.

FINDING THE RIGHT PARTNERS At Serneholt Estate, we understand that our success is built on the strength of our partnerships.

Finding the right franchisees is crucial to maintaining the high standards that our clients expect.

We rely on recommendations from within our extensive network, and we actively reach out through LinkedIn, social media, and targeted headhunting efforts. Our approach ensures that we connect with individuals who share our values and vision for the future of Serneholt Estate.

SUPPORTING OUR FRANCHISEES We are deeply committed to the success of our franchisees. From the moment they join the Serneholt Estate family, we provide comprehensive support to ensure their success. Our CEO Fredrik Serneholt and Business Development Manager, Fia Horncastle, are personally involved in guiding new franchisees through the setup process and beyond. This hands-on approach ensures that every new office is well-equipped to uphold our brand’s reputation.

In addition, all of our franchisees are integral members of our Franchise Board, where we come together every 2-3 months to discuss brand development, share best practices, and address local business challenges. This collaborative environment helps us maintain consistency across our network and keeps everyone aligned with our overarching goals.

LOOKING TO THE FUTURE Our vision for the future is clear. In Spain, we aim to strengthen our presence in key regions like Costa del Sol, Costa Blanca, Mallorca and Tenerife, where we see opportunities to enhance our local services. Cyprus has recently joined the team, while internationally, we’re exploring new markets, with countries like Portugal, France, Italy, and Dubai on our radar. Additionally, we’re considering expanding our franchise into Sweden to solidify our connection with the Nordic market, which is an important part of our client base.

JOINING THE SERNEHOLT ESTATE FAMILY For those interested in becoming part of Serneholt Estate, we advise starting with thorough market research. Understanding your chosen market’s size, competition, and potential for success is crucial. Once you have a clear plan, reach out to us – we’re always ready to discuss how you can contribute to our growing network.

As Serneholt Estate continues to expand, we remain dedicated to our core values of excellence, customer service, and strategic growth. Our future is bright, and we’re excited to continue building on our success, both in Spain and around the world.

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Serneholt Estate

Serneholt Estate

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“What inspired us to join the Serneholt family was how quickly they have established themselves as a premium brand in a fragmented market,” Jani affirms. “Their drive to continuously grow and offer top-class service to both buyers and sellers is inspiring.” Indeed, Serneholt Estate is becoming a strong presence on the island, and this success has been built on a foundation of excellence and dedication.

Discussing why Mallorca is such an attractive location for real estate, Jani passionately describes the island’s distinctive qualities. “Mallorca is genuine and rich in culture but also incredibly international. It has excellent connections to the rest of the world and offers something for everyone,” he remarks. From a buzzing apartment in Palma to a luxurious villa overlooking the Tramuntana mountains, the range of properties on the island is endless. “Mallorca’s climate is also incredibly appealing, making it a dream destination for those looking for a second home or a permanent residence.”

Despite a slowdown in transactions following the record year of 2022, the market has stabilised, and Jani sees positive trends ahead. “This year, we’ve seen more stable growth, which is encouraging for future investments,” he notes. Townhouses and country homes have grown in popularity, with buyers placing great importance on location.

A Slice of Paradise

An Interview with Serneholt Estate’s Mallorca Office The largest of the Balearic Islands, Mallorca has long been a favourite destination for those seeking a mix of beauty, culture, and luxury. One of Serneholt Estate’s newest offices to open this year, our Mallorcan presence is quickly making a name for itself as a leader in this vibrant market. Recently, we had the pleasure of speaking with the key members of the Serneholt Estate team, Jani and Susanne Granroth, who shared valuable insights into the island’s unique charm, the evolution of the real estate landscape, and what makes Mallorca the ultimate destination for discerning buyers.

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Originally from Sweden, husband-and-wife team Jani and Susanne have spent the past eight years making Mallorca their home. Their journey in real estate began years earlier, but it was only within the last five years that they fully immersed themselves in property investments and real estate brokerage on the island.

“I’ve worked in real estate for a long time, though in different sectors. The past five years, however, have been focused on investment and working as a real estate agent,” Jani explains. His experience in the industry is vast, but it was the allure of Mallorca and the professional reputation of Serneholt Estate that drew him and Susanne into their current roles.

Serneholt Estate

As seasoned residents of the island, Jani and Susanne also have a deep appreciation for its diverse experiences. “Mallorca offers an incredible array of activities, from exploring beaches to indulging in its food culture and wineries,” Jani says, as he happily states that he’s still discovering new hidden gems even after eight years on the island.

When asked for advice for potential buyers, Jani emphasises the importance of working with a trusted broker: “Find a broker you can trust to guide you from the initial visit to price negotiation and the final contract.”

For those seeking a slice of paradise, Mallorca offers it all – a stunning backdrop, a rich cultural tapestry, and a real estate market that promises both stability and luxury. mallorca@serneholtestate.com +34 621 237 580

“I’ve always been fascinated by real estate,” Annie shares. In partnership with Victor, their passion and commitment have propelled them forward. Victor’s support and complementary skills helped solidify their partnership as a formidable team in the industry.

The decision to partner with Serneholt Estate was a natural fit. “We were drawn to Serneholt Estate because of their reputation for professionalism and success in the Spanish real estate market,” Victor explains. “It’s important for us to be part of a team that shares our values, especially in delivering exceptional and complete client service.”

Tenerife itself is a major part of what excites both Annie and Victor about their work. “The island’s diversity is unmatched,” Annie enthuses. “From the beaches to the mountains, it offers everything.

The year-round climate is a major attraction for both residents and tourists, and there’s always something to explore, whether it’s hiking in the Anaga Mountains, discovering hidden waterfalls, or taking on the challenge of Mount Teide.”

The real estate market in Tenerife is thriving, bolstered by the island’s stability and tourism appeal. “People come here for vacation homes, investments, and even permanent relocations. It’s the lifestyle that draws them,” Victor adds. The growing popularity of Tenerife has resulted in a demand for properties that both Annie and Victor are eager to meet.

Discovering Tenerife

with Serneholt Estate’s Annie Falk and Victor García Tenerife, the largest of Spain’s Canary Islands, is a captivating destination, with its tropical climate, breathtaking landscapes, and booming real estate market. In our conversation with Annie Falk and Victor García, the dynamic duo behind one of Serneholt Estate’s newest franchises, we delved into their journey, their love for the island, and the exciting opportunities that lie within Tenerife’s property sector.

Annie, originally from Hultsfred, Sweden, began her professional journey with a business and administration education in Gothenburg. In 2011,

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she moved to Tenerife, starting out as a translator at a dental clinic. But her path took a turn at the end of 2022 when she finally pursued her longstanding interest in real estate. In Annie’s first year, she was recognised as “Rookie of the Year” with an impressive 27 transactions under her belt, also taking second place for “Listing Agent of the Year 2023.”

With Victor, that is originally from El Medano and comes from a Real Estate Business and Lawyer family, raised in Stockholm, where he has studied Business Administration and Economy at Stockholm University Business School. With his input and shared ambition, they took the plunge together.

Serneholt Estate

For those thinking about making the move, Annie offers this advice: “Get out and explore! Tenerife is so diverse—you’ll find green landscapes in the north, sandy beaches in the south, and some of the best seafood on the west coast. There’s truly something for everyone.”

With a deep love for the island and a keen eye for real estate opportunities, Annie and Victor are poised to lead Serneholt Estate’s Tenerife office to new heights. Their combined knowledge, expertise, passion for the island, and dedication to clients ensure that they’re ready to help others discover their own piece of paradise in Tenerife. One last word from Serneholt Estate’s Tenerife Dream Team: “If you’re in the area, we’d love for you to stop by and say hello. Our friendly team is ready to help you explore all the amazing real estate opportunities Tenerife has to offer!” tenerife@serneholtestate.com +34 608 423 243

Cyprus has long been an attractive destination for real estate, with its warm Mediterranean climate, stunning coastlines, and high standard of living. In recent years, the real estate market on the island has shown continuous growth, driven by a combination of factors. Limassol, one of Cyprus’s key cities, saw record sales post-pandemic in 2022, and the momentum has continued well into 2024.

Cyprus presents not only robust and reliable investment opportunities but also an unparalleled quality of life. The island boasts a diverse landscape, offering everything from golden beaches to verdant mountain ranges. Georgiou emphasises the island’s unique appeal, enthusing, ”The quality of life in Cyprus is unbeatable. Whether you are drawn to the beautiful beaches, the majestic scenery or the unbeatable food (of which there is a wide and delicious variety!) - there’s always something new to experience. It’s no wonder more people are choosing to make Cyprus their home.”

Looking ahead, Georgiou is optimistic about the future of the real estate market in Cyprus. He sees continued growth, with new developments constantly emerging. “The real estate market in Cyprus is dynamic and evolving,” he says.

“We’re seeing more investment in new projects, particularly along the coast, and that’s going to create even more opportunities for buyers in the coming years.”

Serneholt Estate Expands into Cyprus: A Mediterranean Real Estate Hotspot Cyprus, the beautiful Mediterranean island of picturesque landscapes and rich cultural history, boasts a thriving real estate market that has become a prime destination for investors and homebuyers from around the world. Recognising this, Serneholt Estate has taken the significant step of expanding into the Cypriot market. The move marks a collaboration with Life Realty, the renowned real estate agency in Cyprus, and is set to bring new opportunities for both Serneholt Estate and its clients. Spearheading this exciting venture is Demos Georgiou, a seasoned real estate expert with a wealth of experience in the Cypriot property sector who will be a steady and familiar hand at the wheel as Life Realty rebrand to join the Serneholt Estate family.

With years of experience as a property valuer, consultant, and manager of large property portfolios, Demos Georgiou brings valuable insight and expertise to his leadership role at Serneholt Estate Cyprus. His deep understanding of the local market, combined with Serneholt’s reputation for professionalism, is sure to set the foundation for success in the region. “We are excited to represent Serneholt Estate, a company that shares our passion for real estate and has a clear vision for the future,” Georgiou explains. “Cyprus offers a unique market with secure property acquisition processes and a stable economic environment, creating fantastic investment opportunities.”

For those considering investing in Cyprus, Georgiou has some key advice: work with a trusted and knowledgeable agent. “Buying property in Cyprus is a significant investment, and it’s important to work with someone who understands the market,” he advises. “With the right guidance, clients can navigate the market successfully and make the most of the opportunities that Cyprus offers.”

With Serneholt Estate’s expansion into Cyprus, the future looks bright for both the company and the Cypriot real estate market. Under Georgiou’s leadership, Serneholt Estate Cyprus is set to provide top-tier service to its clients, helping them find their dream properties in one of the Mediterranean’s most desirable locations.

This collaboration not only strengthens Serneholt Estate’s position in Europe but also highlights the increasing importance of Cyprus as a key player in the global real estate market. With its unique attractions, Cyprus represents a stand-out destination for those looking for residential and investment potential.

cyprus@serneholtestate.com 00357 25 714014 30

Serneholt Estate

HIGH-RETURN OPPORTUNITIES

ADAPTING TO NEW REALITIES

Investors are always on the lookout for opportunities that promise strong returns. “The key is to find the worstlooking property in the best location,” advises Fredrik.

By investing in these properties and revitalising them, investors can unlock significant value, whether through resale or by tapping into the high demand for rentals in desirable areas.

The post-pandemic landscape has introduced new dynamics, particularly with the influx of international investors from the US and Northern Europe. This shift has brought fresh trends and increased competition, meaning investors need to compare established areas with up-andcoming regions and consider their timelines carefully.

MODERN TRENDS AND GROWTH HOTSPOTS Understanding market trends is essential for successful investment. The most sought-after developments tend to be those that combine modern influences with traditional Spanish architecture.

Of course, location is also a critical consideration in real estate, and Spain’s diverse regions offer a wide array of opportunities. On the Costa del Sol, areas like Estepona, Mijas, and Fuengirola are gaining attention as alternatives to Marbella. “These spots are becoming increasingly popular among investors, offering the chance to get in before prices rise significantly,” observes Fredrik.

Investment Opportunities in Spain: Insights from Serneholt Estate’s CEO

On the Costa Blanca, the market is evolving with new developments driving prices up, especially around Torrevieja. Gran Canaria presents opportunities through the renovation of older properties in prime locations such as San Agustín and Playa del Inglés. Meanwhile, Mallorca continues to be a strong market, with areas like Cala Mayor and Soller offering good potential at lower entry prices.

Navigating local regulations is also essential, especially with recent changes affecting short-term rentals.

“Working with local experts who understand these complexities can make all the difference in your investment’s success,” the CEO points out.

Sustainability and Long-Term Value Sustainability is increasingly becoming a priority in real estate investment. Buyers now expect features like solar panels and energy-efficient systems. “These are no longer just nice-to-haves; they’re essential for many clients.”

Additionally, while branded developments are growing in popularity, Frederik advises caution. “The true value lies in the quality of the development as well as its location, not just the name attached to it,” he advises.

With careful planning and taking advantage of local expertise, investors can find significant value in this vibrant market. As Fredrik Serneholt sums up, “Spain isn’t just a great place to live – it’s also an astute choice for investors.”

Fredrik Serneholt, Founder Serneholt Estate

When investors consider entering a real estate market, they typically seek a blend of stability, growth potential, and lifestyle appeal. Spain, with its unique combination of each of these elements, has become an increasingly attractive destination for property investors. For further insight into what makes Spain so appealing, we spoke with Fredrik Serneholt, CEO of Serneholt Estate, to shed light on the key factors driving investment in the country.

STABILITY AND SECURITY For investors, a stable environment is paramount. Spain offers just that, with well-established legal and financial systems providing a solid foundation for investment. “Spain’s infrastructure and regulatory framework make it a safe bet for property investors,” Fredrik explains, “it offers a sense of security for those looking to make long-term investments in real estate.”

LIFESTYLE AND CLIMATE A favourable lifestyle is another critical factor for investors, and Spain’s climate is a significant draw.

With up to 330 days of sunshine in the Canary Islands, 300 in Costa Blanca and Costa del Sol, and 310 in Mallorca, the weather alone makes Spain an attractive place to invest. Beyond the climate, the country’s vibrant food culture, rich history, and the widespread use of the Spanish language globally add layers of appeal. “These elements make Spain not just a great place to visit, but also an ideal place to live, which in turn boosts the real estate market,” notes the CEO.

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Serneholt Estate

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Hiring a lawyer when purchasing a property what services are included?

Although hiring a lawyer when buying a property in Spain is not mandatory, it is strongly recommended as the Spanish property market can be difficult to successfully navigate.

aspect to keep in mind is that only registered lawyers are covered by a professional liability insurance.

Can you name a few typical “pitfalls” or problems one can encounter when buying a Spanish property?

Acquiring a Spanish property can be challenging at the best of times, and the process often varies a great deal from what one is accustomed to back home. Hiring a professional and experienced lawyer is oftentimes key to a successful purchase, and in preventing the appearance of any unpleasant surprises afterwards.

But what exactly is it that the lawyer does and what is included in their fees?

We turned to Swedish Ia Katarina Cano, co-founder together with her husband, of Cano & Cano Lawyers, in Marbella.

The firm is one of the more important specialists in property law and conveyancing among the Scandinavians in Marbella, but as Ia points out, the firm assists clients from all over the world.

Hello Ia. We often hear we should hire a lawyer when buying a property here in Spain. Can you please tell us a bit about what it is your firm does and the main benefits of having legal representation?

I would say the most important part of the work we carry out is verifying the legal and financial status of the property, a so-called Due Diligence. We make sure the vendor is, in fact, the legal owner of the property and has the right to sell it. We ensure that the property is fully legal, that it’s not violating any municipal building- or town planning regulations, and that it’s free of debts, encumbrances and liens. We also make sure the property is free of registered tenants and/or other occupants.

You could say this is “core task” of our work. Another

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I would say that some of the more common issues we encounter are debts related to the property, such as unpaid municipal property tax and waste service fees, as well as community fees. Unfortunately, these debts can be transferred to the new owner if one is not careful. Other common problems include illegal building work or extensions, or that one or more of the owners are deceased and that the remaining owners haven’t registered the inheritance deed accordingly, which means they are not entitled to sell the property, until the transfer has been made to the heirs.

Besides verifying the legal status of the property, are there any additional services you provide in connection with a property purchase?

We offer our clients an all-inclusive package, with all the services needed when buying a property in Spain.

We are aware that for many, especially if they are firsttime buyers, the process can seem daunting at first. Our aim therefore is to provide our clients with a clear and comprehensive overview of the entire transaction, from beginning to end. One of the first things we do for clients is to arrange for an NIE-number, which is a personal tax identification number assigned to foreigners and mandatory for property purchases. This forms part of the preparative work. We also prepare and revise the so-called Private Purchase Contract, which is a deposit contract oftentimes signed with the other party, prior to completion. We provide our clients with summaries or translations of this before signing, to make sure they are fully informed and aware of all the conditions of their purchase.

Serneholt Estate

Many of our clients inquire about practical matters related to buying a property, such as whether there will be working power and water in the property on completion, how to organise an Internet contract and so on. Are these services you provide separately?

We attend to most practicalities related to the purchase. This includes arranging for the service supply contracts, which forms part of our allinclusive package. Most properties, except newly built homes purchased from the promotor, have working electricity and water contracts in the name of the vendor when sold and we apply for a name change on these.

This way, the client can move into the property straight after completion, as these services are not interrupted. If the vendor has an active Internet connection at the time of the sale, we can arrange for the contract to be transferred into our client’s name, provided they facilitate a copy of their contract or a bill. If there is no Internet connection in the property, or if the vendor has cancelled his or her contract, we are more than happy to assist our client in arranging for a new one with a provider covering their specific area.

Is it necessary to open a Spanish bank account after buying a property here?

It is our strong recommendation to open a Spanish bank account for the payments of all the running costs such as the supplies, the annual property tax and the community fees. We set up all these payments on direct debit for our clients and it tends to work poorly with foreign bank accounts unfortunately. We help our clients come into contact with a local bank that suits their needs and provide the bank with the documents necessary for the account to be prepared. However, it is worth noting that many banks wish to meet with their clients, so we advise everybody to make time for a visit as soon as possible. This way, they establish a personal relationship with their bank early on.

Last but not least, is it necessary to have a home insurance for the Spanish property?

It is not mandatory by law to take out a home insurance but is very wise to do so. Most apartment complexes have a communal insurance policy, but these only cover the communal areas and elements such as the roofs, the facades and similar. It is therefore paramount to arrange for a private home insurance covering the individual property, and if one wishes, its contents. We are more than happy to help our clients to find the best insurance solution for them and their personal needs.

You can find more information on Cano & Cano Law firms’ website: www.canolawyers.com If you wish legal assistance from the professional team, please don’t hesitate to send an email to: info@canolawyers.com or call: +34 951 579 653 Address: Boulevard Príncipe Alfonso Hohenlohe Edif. Las Torres de Marbella Club, Local 3 29602 Marbella, Spain.

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Streamlining Secure Currency Transactions with Lumon Lumon, is one of the trusted partners Serenholt promotes to our clients. Tell us a bit about Lumon?

At Lumon, we bring over 20 years of experience in handling international transactions. We pride ourselves on making currency transfers secure, simple, and offering exceptional value for your investment by providing a better exchange rate compared to the banks. Whether you’re purchasing a new home or managing regular international payments, we’re dedicated to ensuring the process is as seamless and advantageous as possible for you.

And why should a client use Lumon instead of another currency provider?

We believe in offering a personal touch with every client. That’s why each customer has their own dedicated currency dealer. Our dealers are highly knowledgeable about the regulations for buying property here. This expertise, combined with tailored advice and support, can really ease the stress of purchasing a property.

Whether it’s face-to-face, online, or over the phone, we’re here for our clients throughout the entire process.

And our 5-star rating on Trustpilot reflects how much our clients value and trust the service we provide.

Can you elaborate on the specific benefits clients receive from using Lumon?

At Lumon we offer a comprehensive suite of services tailored to the unique needs of our clients. We provide secure and premium solutions for managing international transactions. Our goal is to deliver exceptional value and ensure that your currency transfers are handled with the highest level of service.

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One key feature is our Forward Contracts, which allow you to lock in exchange rates for up to 12 months in advance, paying only about 10% upfront. This is perfect for planning future expenses and shielding against currency fluctuations.

Selling property in Spain can be complex and costly, especially when dealing with bankers’ drafts or wire transfers, which often come with high fees and unfavourable exchange rates. At Lumon, we streamline this process by handling these transactions through our client account with Sabadell, at no extra cost to you. We can even collect and deposit cheques on your behalf, and our currency experts are on hand to discuss the best rates available.

For those needing to make quick and convenient payments, our Spot Transfers allow clients to convert currency immediately at the current exchange rate. If clients are targeting specific rates, our Limit Orders automatically execute when those rates are reached, perfect for those working within strict budgets or who can’t monitor markets constantly. To safeguard against unfavourable market changes, our Stop Loss Orders let clients set a minimum exchange rate, providing a safety net against market volatility.

For ongoing needs like mortgage payments or pensions, our Regular Payment Plan automates currency transfers without any additional fees, making it a hassle-free solution.

All these services are designed to provide our clients with convenience, security, and significant savings, whether they’re making a one-off purchase or handling regular payments.

Serneholt Estate

What’s it like working at Lumon?

Working at Lumon incredibly rewarding. We take great pride in ensuring that every client receives personalised attention and expert guidance throughout their currency exchange journey. It’s not just about handling transactions; it’s about making the entire process as smooth and stress-free as possible, especially for those navigating the complexities of buying property abroad.

We also place a strong emphasis on supporting our partners, like Serneholt. By working closely with them, we help ensure that their clients experience a seamless property purchase, from managing currency transfers to offering valuable advice on market conditions. It’s incredibly fulfilling to see our efforts translate into positive experiences for both our clients and our partners, making their international property transactions as straightforward as possible.

Do you have any offices; how can customers get hold of you?

We have offices in La Cala de Mijas and Costa Blanca, making it easy for clients to visit us locally. We also have offices in London, Dublin and Portugal. We’re always available through phone and email for any enquiries or support. Whether you prefer a face-toface meeting or need assistance remotely, our team is here to help you every step of the way.

Contact: Alexandra Derudder, Partnership Manager Email: serneholt@lumonpay.com Tel: 0034 – 965 999 910 Or visit lumonpay.com for more information

Serneholt Estate

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Properties by Marbella offices marbella@serneholtestate.com | +34 951 560 933

Nueva Andalucia, Marbella Beds: 2 Baths: 2 | Area: 127 m² | Price: 430.000€

San Pedro Alcántara

Nueva Andalucia, Marbella

Beds: 3 Baths: 2 | Area: 103m2 | Price: 879.000€

Beds: 2 Baths: 2 | Area: 110 m² | Price: 859.000€

Marbella Centro, Marbella Beds: 3 Baths: 2 | Area: 278 m² | Price: 1.360.000€

San Pedro Alcántara

San Pedro Alcántara

Beds: 3 Baths: 2 | Area: 140 m² | Price: 945.000€

Beds: 8 Baths: 8 | Area: 897 m² | Price: 3.750.000€

Nueva Andalucia, Marbella

Nueva Andalucia, Marbella

Marbella

Beds: 2 Baths: 2 | Area: 102 m² | Price: 485.000 €

Beds: 4 Baths: 2 | Area: 130 m² | Price: 1.050.000€

Beds: 5 Baths: 6 | Area: 436 m² | Price: 1.650.000€

Properties by Estepona office

Properties by Fuengirola office

estepona@serneholtestate.com | +34 951 568 614

fuengirola@serneholtestate.com | +34 952 63 88 15

Centro Histórico, Malaga Beds: 2 Baths: 2 | Area: 120 m² | Price: 725.000€

Atalaya, Estepona East

Benalmadena

Beds: 2 Baths: 2 | Area: 196 m² | Price: 699.000€

Beds: 3 Baths: 2 | Area: 111 m² | Price: 795.000€

Beds: 2 Baths: 1 | Area: 128 m² | Price: 795.000€

Beds: 3 Baths: 3 | Area: 145 m² | Price: 795.000€

Beds: 3 Baths: 2 | Area: 168 m² | Price: 845.000€

Beds: 2 Baths: 1 | Area: 72 m² | Price: 305.000€

Fuengirola Puerto, Fuengirola

Las Mesas, Estepona Town

Estepona Old Town, Estepona Town

Miraflores, Mijas Costa

Atalaya, Estepona East

Benalmadena Pueblo, Benalmadena

Beds: 4 Baths: 5 | Prices from: 1.530.000€

Beds: 3 Baths: 3 | Area: 256 m² | Price: 895.000€

Properties by Manilva office

Properties by Costa Blanca office

manilva@serneholtestate.com | +34 602 291 119

torrevieja@serneholtestate.com | +46 728 817 856

Torre de la Horadada, Pilar de la Horadada Beds: 3 Baths: 2 | Area: 78 m² | Price: 365.000€

Casares del Mar, Casares

El Chaparral, Torrevieja

Beds: 4 Baths: 4 | Area: 250 m² | Price: 999.000€

Beds: 2 Baths: 1 | Area: 92 m² | Price: 265.000€

Pilar de la Horadada Beds: 2 Baths: 2 | Area: 60 m² | Price: 249.000€

El Chaparral, Torrevieja

Marina Duquesa, Manilva

Beds: 3 Baths: 3 | Area: 261 m² | Price: 516.000€

Beds: 3 Baths: 2 | Area: 149 m² | Price: 445.000€

La Duquesa, Manilva

Mijas Pueblo, Chullera, Manilva Mijas (361-06129P)

Dehesa de Campoamor, Orihuela Costa

Beds: 4 Baths: 4 | Area: 250 m² | Price: 880.000€

Finca |5 Beds: Beds: Baths:84Baths: | Area: 6 577 | Area: m² 250 | Price: m² 1.180.000€ | Plot: 16853 m² | Price: 1.500.000 €

Beds: 2 Baths: 2 | Area: 104 m² | Price: 516.000€

Properties by Gran Canaria office

Properties by Mallorca office

grancanaria@serneholtestate.com | +34 828 714 280

mallorca@serneholtestate.com | +34 621 237 580

Soller Beds: 4 Baths: 5 | Area: 385 m² | Price: 3.250.000€

San Bartolome de Tirajana

Manacor

Beds: 3 Baths: 2 | Area: 165 m² | Price: 975.000€

Beds: 5 Baths: 5 | Area: 450 m² | Price: 3.490.000€

Beds: 2 Baths: 2 | Area: 77 m² | Price: 690.000€

Beds: 3 Baths: 1 | Area: 89 m² | Price: 519.000€

Beds: 1 Baths: 1 | Area: 31 m² | Price: 189.000€

Beds: 4 Baths: 4 | Area: 490 m² | Price: 2.495.000€

Santa Catalina, Palma de Mallorca

San Agustín-Bahía Feliz

Puerto Rico, Mogan

Portals Nous - Bendinat, Calvia

Arguineguín, Mogan

Palma de Mallorca

Beds: 1 Baths: 1 | Area: 59 m² | Price: 590.000€

Beds: 4 Baths: 4 | Area: 258 m² | Price: 2.495.000€

Properties by Tenerife office

Properties by Cyprus office

cyprus@serneholtestate.com | 00357 25 714014

tenerife@serneholtestate.com | +34 608 423 243

Germasogeia Beds: 3 Baths: 3 | Area: 193 m² | Price: 1.100.000€

Puerto de la Cruz

Panthea

Beds: 4 Baths: 1 | Area: 1.083 m² | Price: 1.100.000€

Beds: 2 Baths: 2 | Area: 80 m² | Price: 365.000€

Beds: 3 Baths: 3 | Area: 153 m² | Price: 860.400€

Beds: 1 Baths: 1 | Area: 53 m² | Price: 247.000€

Beds: 1 Baths: 1 | Area: 60 m² | Price: 348.990€

Beds: 4 Baths: 2 | Area: 81 m² | Price: 390.000€

Agios Athanasios

Playa Paraiso

Saint George

Souni

Playa de las Americas

Tsada

Beds: 2 Baths: 1 | Area: 142 m² | Price: 590.000€

Beds: 3 Baths: 3 | Area: 168 m² | Price: 1.175.400€

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