Selling your country house in Alcoy, even if you have a mortgage: a step-by-step guide

15 Oct 2025

Sell your country house in Alcoy, even if you have a mortgage, without the hassle or worry of how to do it. If your property is in Alcoy or the surrounding area and you're thinking about taking this step, here's a clear and practical guide to help you do it without any problems.

1. Check your mortgage situation

The first thing is to know exactly how much you owe the bank. To do this:

Request a certificate of outstanding debt from your financial institution.
Check if your mortgage has an early termination fee .
Check for any special clauses (such as mortgage floor or additional fees).

This document will help you calculate the minimum sales price you need to pay off your mortgage.

2. Value your home in the current market

The real estate market in Alcoy and its rural surroundings is unique: demand is often linked to the natural surroundings, tranquility, and space. Contact a local real estate agent to find out the true value of your country home.

Don't rely solely on online portals; a professional who knows the area will give you a more accurate estimate.

3. Manage mortgage cancellation

At the time of signing the purchase agreement, the notary ensures that:

Part of the money from the sale goes directly to the bank to pay off the mortgage.
The rest is given to you as the owner.

The entity must then register the cancellation in the Property Registry .

4. Prepare the necessary documentation

To avoid delays, gather these documents:

Deed of sale.
Certificate of outstanding debt.
Simple note from the Property Registry.
Energy efficiency certificate.
Latest property tax and utility bills up to date.

Sell your country house in Alcoy: promote your home, negotiate, and sign the sale.

Sell your country house in Alcoy successfully if you present it correctly:

Take good photos in natural light.
Highlights aspects such as the terrain, the views, the tranquility and the proximity to nature.
Post your ad on real estate portals, social media, and, if possible, at local real estate agencies.

When you have an interested buyer:

Sign an earnest money contract to guarantee the commitment.
Make sure the notary properly handles the payment to the bank and the cancellation of the mortgage.

Selling your country house in Alcoy, even if you have a mortgage, isn't an obstacle; it's a process that simply requires planning and proper advice . With a realistic appraisal, proper documentation, and a clear sales strategy, you'll be able to close the deal smoothly and take the next step in your life with peace of mind.

Get professional help and sell your country house in Alcoy with expert advisors.

At HOMES IN COSTA BLANCA, we know that selling a home with a mortgage can generate doubts and uncertainty. That's why you can sell your country house in Alcoy with us. We put our team of experts at your disposal to guide you through every step of the process: from the real valuation of your property in the countryside, its promotion on international real estate portals , to direct management with the bank and the cancellation of the mortgage at the time of signing. We take care of everything so you don't have to worry about a thing and get the best price for your house without complications .

If you're thinking of selling your home in Alcoy or the surrounding area, even if you still have a mortgage, count on us. At HOMES IN COSTA BLANCA, we'll make the transaction quick, secure, and completely transparent. Sell your country house in Alcoy by contacting us: