Buying off-plan, without surprises
This is how the process works with Heimar House, from first contact until we hand you the keys. We develop and build ourselves, with no intermediaries: the company that sells you the home is the one that builds it and the one that answers afterwards.
The six steps
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We inform you, no obligation
Write to us on WhatsApp or by email, or drop by the office in Paterna. We show you floor plans, the specifications, real prices and up-to-date availability. We answer every question before you decide anything.
We reply the same working day.
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You reserve your home
You choose your home and, if the development requires them or you want to add them, a garage space and a storage room. We sign the reservation document and the home is locked in your name: nobody else can buy it. You can reserve well before construction starts, as soon as the development goes on sale. If construction has already started there is no reservation: you sign the contract directly.
Reservation: €3,300, deducted from the price (only before construction starts).
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We sign the purchase contract
Just before construction starts we sign the private contract, with the price fixed, the specifications, the plans and the expected handover date. That price no longer changes.
On signing: 10% of the price. Every amount you pay is guaranteed by law (Law 20/2015) through a line of guarantees with CaixaBank: if the home were not delivered, you would get your money back.
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During construction
During construction you pay 10% of the price in monthly instalments for as long as the works last (for example, 20 months of construction = 20 instalments). If the development is already under construction when you buy, the instalments run from the signing of the contract until completion. No surprises and no interest. If you want to know how it is going, message us on WhatsApp and we will tell you which phase it is in.
During construction: 10% of the price, in interest-free monthly instalments.
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You customise your home
Before the finishes go in you choose from several flooring, wall-covering and finish options, selected by the project architects to guarantee quality and consistency across the development. If you want changes beyond those options, we quote them separately.
The standard options carry no extra cost.
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Handover of keys and after-sales
We sign the deed at the notary (with a mortgage if you need one: CaixaBank finances the development, though you may bring your own). We hand you the keys with the home finished and checked. And if anything comes up afterwards, we deal with it ourselves: no third parties. VAT is not covered by the mortgage: the bank lends against the appraised value of the home, excluding taxes, so the VAT on the final payment and the costs are paid that day by banker's draft or transfer.
On the deed: the remaining 80%. Legal guarantees of 1, 3 and 10 years. After-sales by email at clientes@heimarhouse.es or on WhatsApp.
Taxes and costs: what comes on top of the price
Our prices are shown without taxes. When you buy a new home you pay:
- 10% VAT on the price (the reduced rate for new housing).
- Stamp duty (AJD): in the Valencian Community 0.1% if it will be your main residence and 1.4% in all other cases (general rate in force since 1 June 2026). Calculated on the price before VAT.
- Notary and Land Registry fees for the purchase deed.
- If you take out a mortgage: the valuation (around €300-500). Since 2019 the notary, registry and processing costs of the mortgage are paid by the bank.
The garage space and the storage room have their own price, which is added to the price of the home, and are chosen from those available. Depending on the development they are mandatory (La Vila Quatre Carrers) or optional (Museo Cinema Centre): each development page says which.
Real example: a €225,000 home as your main residence
The price with VAT (10%) is €247,500. Deed costs come to around €1,900: stamp duty €225, notary about €800, registry about €450 and a valuation of about €400 if you take out a mortgage. In total, around €249,400.
The payments are spread over time: €3,300 reservation; €21,450 on signing the contract (10% with VAT, minus the reservation); €24,750 during construction, in 20 monthly instalments of €1,237.50 interest-free; and €198,000 plus costs on signing the deed.
With an 80% mortgage on the price before VAT (€180,000), your own contribution between payments and costs is around €69,400. On the day the deed is signed the bank provides those €180,000 and you need about €19,900 available outside the mortgage: €18,000 of VAT on the final payment, which is not financed, plus about €1,900 in costs.
Indicative figures: notary and registry fees depend on the tariff and the amount; the mortgage, on each bank.
Work out your costs
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Price and costs
| Price before VAT | |
| VAT (10%) | |
| Total price with VAT | |
| Stamp duty (AJD) | |
| Notary (approx.) | |
| Land Registry (approx.) | |
| Mortgage valuation | |
| Deed costs | |
| Total outlay |
Payment schedule
| Reservation | |
| Contract signing (10% incl. VAT) | |
| Until completion (10% with VAT, in monthly instalments) | |
| Monthly instalment until completion ( instalments) | |
| Deed and keys (80% with VAT + costs) |
Mortgage
| Loan amount | |
| Own contribution needed | |
| Estimated monthly payment |
On the day the deed is signed
| Amount covered by the mortgage (% of the price excluding VAT) | |
| VAT on the final payment (not financed: paid by banker's draft or transfer at the signing) | |
| Difference between the final payment excluding VAT and the mortgage | |
| Deed costs | |
| Total you need to have available that day, outside the mortgage |
Indicative calculation. Notary and registry fees, the valuation and the mortgage terms depend on each case.
The bank calculates the amount it will lend on the appraised value, which may differ from the price; the percentage is indicative.
Why buy from a developer that also builds
- Timelines that depend on us, not on an outside contractor.
- A tight price, there is no intermediary margin between developer and builder.
- Direct after-sales, the people who built your home are the ones who come to fix it.
- Thirty years and four generations, in Paterna and Camp de Túria. More than 2,000 homes delivered.
Want to see how we hand over?
We have no show flat: our developments sell out before construction ends. But you can walk in 3D through a delivered penthouse at Mirador Camp de Turia, with the real finishes, and see photos of our previous developments.
Frequently asked questions
Can I reserve before my mortgage is approved?
Yes. The reservation locks the home; the mortgage is arranged later, with time, before the deed.
What happens if I cannot go ahead with the purchase?
It depends on the stage. We explain it clearly in the reservation document and in the contract before you sign anything.
Can I switch to another home within the development?
If one is available, yes. Ask us.
When will I know the exact handover date?
The contract states the expected date. We give you advance notice of the signing date at the notary.
Request information
We reply the same working day. No obligation.
Office
C/ San Pedro 12, Paterna (Valencia)
Opening hours
Monday to Friday, 8:00 to 19:00
WhatsApp
+34 667 812 070