Marta and the Invisible Map of the Northwest: How She Chose Between Pozuelo and Las Rozas

Marta and the Invisible Map of the Northwest: How She Chose Between Pozuelo and Las Rozas

Marta swore she wanted “peace and a good school.” She had the budget and the urgency… but not the invisible map: where she’d be overpaying, where she’d be underpaying, and why.

On our very first call, we did what no one usually does before getting in the car:

– Her maximum monthly payment — the one that lets her sleep at night
She opened the Bank of Spain simulator, adjusted the term and rate, and stopped where her face said “yes.” That payment became law.
→ [Official BdE Simulator]

– Real costs (no small print)
New build → VAT; resale → Transfer Tax (varies by region). I left her all the links — no need to get lost in Google.
→ [AEAT: VAT or Transfer Tax?]

– Micro–reality by area
I showed her that looking in Pozuelo is not the same as looking in Las Rozas.
Pozuelo (Sep 2025): €4,795/m² (official Idealista data) → [Idealista]
Las Rozas (Sep 2025): €3,702/m² → [Idealista]
And the national context was still hot: Tinsa’s IMIE index continued to show high year-on-year growth in 2025. → [Tinsa]

– Targeted viewings + paperwork ready
We filtered. Three candidate homes — not ten.

– Before making an offer: simple land registry check online to confirm ownership and encumbrances.
→ [Registrars – Land Registry Extract]

– Result: She chose Las Rozas for its better value per square metre, the same school route, and a garden she’ll actually use.

Your move in 10 minutes: define your payment limit (BdE), check taxes by property type (AEAT/AGE), compare price per m² in your micro–area, and request a land registry extract when you’re ready to decide.

Registrars +5 Client Banking +5