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Buyer services

The buying process on Costa del Sol is clear and easy to follow, so if you decide to hire us as your Real Estate agent this is what you can expect and the simple steps for which we will be with you all the way.

Despite the crisis, Spain is still a popular destination for expats, particularly Europeans. There are many great property deals to be had if you know where to look and how to buy.

Get the support of a qualified agent save time and money.

Buying your property


1 – We will show you properties until we have found what you have been looking for – your ideal property! The first step includes you signing

an Intent to Purchase contract, which also means that you will be asked to deposit a payment (normally of €6.000) in your lawyer´s escrow account. This contract will outline a timeline for the transaction and the property will be taken off the market, so nobody else can buy it.

2 – We will put the offer forward in your name and negotiate directly with the vendor as your representative, in order to achieve the lowest price possible. If we receive counter offers from the vendor we will keep you informed during this part of the process and make our best efforts until we can agree on the best price for you.

3 – Once an agreement for the purchase is reached, the legal process starts and your appointed Spanish lawyer will complete the “due-diligence” on the property. Should your lawyer find any legal issues you will receive a full refund on your €6.000 deposit.

4 – Two to three weeks after the Intent to Purchase contract and once your lawyer has concluded that there are no legal issues with the property, you will be asked to sign the Private Purchase Contract (PPC) and pay the full deposit of 10% of the agreed price – minus the €6.000 you have already paid. If you at this stage have changed your mind, you will stand to lose your deposit and the vendor will have to pay you double the deposit amount if he has decided not to sell when arrived at this stage. When the PPC is signed the buyer and the vendor will agree on a date to meet at the public notary to complete the purchase in full.

5 – Final completion and payment in full will take place around three to four weeks after signing the Private Purchase Contract. At this stage you will also pay taxes and costs.

6 – Get your keys and enjoy your new and ideal home in the sunshine!

Before you come here for viewings with us and if you are looking to get a mortgage from a Spanish bank, we recommend that you get a mortgage pre-approval from a bank or an independent mortgage broker before you arrive. We have been sad to see clients finding their dream home – only to miss out because of not having a mortgage in place in time.

If you do not need a mortgage and if you are a resident in a country with a currency other than the Euro (€), we are happy to help you to get in contact with a trusted and independent Foreign Exchange company that can result in important savings for you.

Guide to Fees & Taxes at the moment you buy your property in Spain:

Published prices for properties do normally not include the fees and taxes associated with purchasing a property – these are:

  • VAT (in Spain called IVA):
    • Only on NEW Properties – 10% + 1,5% Stamp Duty (fee to legalize all documents) = 11,5%
  • Transfer Tax (in Spain Impuesto de Transmisiones Patrimoniales)
    • Only on RESALE Properties and charged on a sliding scale:
      • Property/or part of property up to €400.000 = 8%
      • Part of property between €400.000-€700.000 = 9%
      • Part of property of more than €700.000 = 10%
  • Notary and land registry fees = 1%
  • Your appointed Spanish lawyer = 1%
  • Mortgage commissions (1% – 3%), if you are looking for a mortgage trough a bank

Guide to Fees & Taxes for owning your property in Spain:

If you compare the costs for owning a property in Spain with other European countries, you will find that they are exceptionally low in Spain:

  • Municipal Real Estate Tax (in Spain called IBI-Impuesto sobre Bienes Inmuebles) – is paid on a yearly basis and varies for each property and each Town Hall. Do not worry, we will inform you about the rates for any property you are interested in.
  • Community Fees (in Spain called Gastos de Communidad) are charged in the case where the property is part of an apartment complex or an urbanization. This includes maintenance and cleaning of common áreas, swimming pool, parking etc…and is paid on a monthly basis. We will of course inform you about the rates for any property you are interested in.
  • Garbage Collection Fee (in Spain called Recogida de Basura) is paid on a yearly basis and depends on the area in which the property is located (in some Town Halls even included in the IBI).
  • Electricity, telephone, Internet, water and/or gas are all paid by the user on a monthly, or bimonthly, basis.

Once you own the property, your Spanish lawyer will be happy to help you to set up all these payments in your name.

Please contact us for further information and assistance

Let us help you find your dream home, contact us now to find your perfect property on the Costa del Sol


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