HomeGuidesOrba
We buy with charges on the title

Sell a property with debts or charges in Orba

The short answer

A property with debts or an embargo in Orba can be sold: the mortgage, community arrears and liens are settled at the notary out of the purchase price. We buy directly, with a proposal within 24-48 hours subject to review.

A charge on the title scares private buyers away. For us it is a line in the review: the debts are paid off at completion and you receive the difference.

Direct purchase, no middlemen No commission or agency fees Reply the same day
24-48 h
You receive our cash offer (subject to review)
0
No commission or agency fees
0 works
We buy it as it is, no renovation needed
You choose
The signing date and when you get paid

Direct purchase in Orba (Alicante) with the charges settled at completion. No commission.

Our own figuresWhat we have actually done. Since 2022 we have bought, renovated and resold 18 homes. In half of them the renovation cost us at least 22% of what we paid for the property, and 100% needed building work: we buy homes that need work, and we do the work ourselves. Figures from our own accounts, updated 2026-09-06.

Settle everything in one signature

How a property with charges is sold in Orba

Debts attached to a property in Orba (Alicante) do not disappear by waiting: interest accrues, community arrears grow and a court embargo can end in a forced auction at a much worse price. Private buyers read the Land Registry note, see the charges and walk away, and their banks will not lend against an encumbered title. We buy in that situation. We review the registry note, quantify every charge, and at completion the purchase price is used first to cancel the mortgage, pay the community arrears and lift the embargo; you receive what is left, and you know the figure before signing. One technical visit by appointment, a proposal within 24-48 hours subject to review, no agency commission. Tell us the real amounts from the start: it is the only way to make an honest proposal.

Who buys your home

We are the buyer, not a middleman

The company that makes you the offer and signs at the notary is Pisok Nuevo Hogar S.L. (Spanish tax ID B55451223), with an office at C/ Polvoranca, 44, 28921 Alcorcón (Madrid). We do not look for a buyer for your property: we buy it ourselves, to renovate and resell it. That is why there is no agency commission.

What happens when you contact us
We call or write back within 24-48 hours, ask a few questions about the property and, if it fits what we buy, give you a proposal subject to review. If it does not fit, we tell you that too.
What you commit to
Nothing. Requesting, receiving and comparing our proposal does not bind you. You only commit when you sign.
What we check
One technical visit by appointment (ours, only one) and the property's Land Registry and cadastre status. No buyer viewings, no curious visitors.
What we do with your data
Handle your request. It is not sold or passed to third parties. It is held by Pisok Nuevo Hogar S.L. and you can ask us to delete it.
No obligation and 100% confidential

Does your property in Orba have debts or charges?

Tell us where it is and what is owed, even roughly. We reply within 24-48 hours, subject to review.

Prefer to talk now? Call us: 📞 633 33 19 28

Your data is protected and is not shared with third parties.

Received! We will contact you within 24-48 hours and go through the charges with you.
Frequently asked questions

What people ask us most in Orba

Can I sell with an embargo on the property?

Yes. The embargo is lifted at completion by paying what is owed out of the purchase price.

What if the debts are higher than what you would pay?

We tell you clearly in the review. In that case the lender has to be involved before any sale; we explain the options.

Who pays the community arrears?

They are settled at the notary from the purchase price, as in any Spanish sale.

How long does it take?

A reply within 24-48 hours subject to review; completion once the charges are quantified and you decide.

What do I commit to by requesting a proposal?

Nothing. You receive the proposal, compare it with whatever you like and decide. You only commit when you sign a private contract or the deed.

Does "no commission" mean "no costs"?

No. There is no agency commission because we are the buyer. The taxes and costs that Spanish law assigns to the seller (municipal capital-gains tax, income tax if there is a gain, cancelling your mortgage if you have one) remain yours, and we help you work them out before you sign.

Does "no viewings" mean nobody sees the property?

It means no buyer viewings and no curious visitors. We make a single technical visit by appointment to confirm the condition of the property before the final proposal.

Can I change my mind after requesting a proposal?

Yes, at any time before signing, at no cost. After that, whatever has been agreed in writing applies.

Keep reading

More guides for Orba

→ How we buy your home

→ See all Pisok guides