Holiday home, relocation, investment, or retirement
Short‑term rental, long‑term rental, or personal use
Preferred regions (Costa del Sol, Costa Blanca, Balearics, Canary Islands, cities, inland)
Purchase price
Taxes (typically 8–12% depending on region and property type)
Legal fees
Notary + registry fees
Ongoing costs (IBI tax, community fees, utilities)
Evaluate:
Proximity to beaches, airports, amenities
Local rental demand
Year‑round vs seasonal population
Transport links
Safety and neighbourhood quality
Ensure they:
Are independent from the seller/agent
Specialise in property law
Handle due diligence, contracts, and title checks
Explain all documents in English
The Número de Identificación de Extranjero is required for:
Buying property
Opening a bank account
Paying taxes
Apply early to avoid delays.
Needed for:
Utility payments
Mortgage payments
Tax obligations
Choose a bank familiar with foreign buyers.
Your lawyer should check:
Title deeds
Debts or charges on the property
Community fees
Planning permissions
Urban vs rustic land rules
Energy certificate
Coastal law compliance (for beachfront homes)
Recommended for:
Older properties
Rural homes
Renovation projects
Check structure, damp, electrics, plumbing, and roof condition.
Depending on the property:
Resale: ITP transfer tax (6–10% depending on region)
New build: 10% VAT + 1.5% stamp duty
Plusvalía municipal (local capital gains tax paid by seller but sometimes negotiated)
Include:
IBI (annual property tax)
Basura (waste tax)
Community fees
Insurance
Utility bills
Property management (if renting or living abroad)