The Buying Process
Once you’ve found the property you want, we guide you through the entire buying process. This includes helping you open a Spanish bank account, engaging a trusted English-speaking lawyer, and coordinating all arrangements to ensure a smooth completion of the sale.
- Smooth and stress-free guidance through every step
- Support with bank accounts, legal paperwork, and trusted partners
- Expert advice to make your purchase secure and transparent
New Properties
When buying a new property, developers often offer attractive payment plans with low deposits and staged payments during construction. Once you’ve chosen your property, you sign a contract with the agreed price and pay a deposit, securing the property exclusively for you. If either party withdraws, the deposit may be forfeited.
- Attractive payment plans with low deposits
- Secure your property with a signed contract and deposit
- Staged payments during construction for flexibility
Resale Properties & Financing
For resale properties, you sign a purchase contract with the seller and pay a deposit, usually around €5,000. Ensure you are committed before paying, as the deposit is typically non-refundable.
Financing your purchase is an important step. Our independent mortgage advisor can discuss options and help find a competitive mortgage. For transferring funds to Spain, we recommend a trusted currency exchange company like MoneyCorp.
- Sign a clear contract and pay a secure deposit
- Independent mortgage advice to find competitive options
- Trusted currency exchange support for safe fund transfers
Fees & Additional Costs
When purchasing a property in Spain, there are additional costs to consider. VAT is 10% for resale properties and 11% for new builds. You should also allow for notary fees and property registry costs, which vary depending on the property price.
In general, it is recommended to budget between 13% and 15% of the purchase price (excluding VAT) to cover all associated buying costs. Additional legal or agency fees may apply.
- Clear overview of all purchase-related costs
- Transparent budgeting with no hidden surprises
- Professional guidance to help you plan with confidence
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