Making an offer
Make your offer clear from the start
When making an offer it’s best to adhere to some basic guidelines.
Buying Process
Offer and Acceptance
Anti Money Laundering
Searches and Private Contract
Do I require an NIE (Numero de Identificacion de Extranjeros)
Do I require a Spanish bank account
Spanish Mortgage
Completion
Preparing for signing
Power of Attorney
Notary
Purchase Costs & Taxes
Typically, you should budget about 11.5% of the property price for purchase costs, though this amount can vary depending on property type, value, and transaction complexity.
Transfer Tax (ITP)
Notary Fees, Land Registry, Stamp Duty
Lawyers Fees
Municipal Added Value Tax (Plus Valia)
Property Ownership Costs
I.B.I . (Impuesto Bienes Inmuebles)
Rubbish collection & water rates (Basura) (Agua)
Non-Residents (IRNR)
Community Fees
Other Considerations
Valor Catastral Spain
Buy for your own use first and foremost
Realistically analyze the potential costs of modernising an older property
Think ahead to the day you sell
Ownership
When buying land
How long can I stay in Spain as a tourist?
Spanish NIE Application Explained
If you own property in Spain, or live here as a resident, you are going to need an N.I.E. number. This section explains what an NIE number is, why you need one, and how to get one, either in or outside of Spain.
What is a Spanish N.I.E Number?
Who needs an NIE number in Spain and when?
When do you need one?
How do you apply?
Applying in person in Spain
Authorise a third party to obtain your Spanish NIE number on your behalf
Spanish non-lucrative visa
For those wishing to live in Spain and who can provide evidence that they are able to support themselves, a non-lucrative visa is available. This is the visa that is often used by people who wish to retire to Spain as well as those wishing to study there.
Application Process
Financial Requirements
First Occupation Licence (LFO) - Spain
What is a Licence of First Occupation?
What is the Difference Between an Ordinary LFO and one Granted by Administrative Silence?
Duration of a licence
How to find your first occupation licence
Applying for a habitation license (Cédula de Habitabilidad)
Your Property Requirements
Are you ready to buy now or in the future? We're here to help.
We'll use your preferences to research and send you a property portfolio. With your feedback, we'll refine the options until you have the best matches.
When you’re ready to visit, we’ll organize and attend all property viewings with you, provide transparent feedback on each option, and support you throughout the purchasing process.
Whether you want a holiday home, permanent residence, or investment, we can assist with buying or selling.