Do foreigners need special permission to buy in Spain?
No. Anyone can buy property in Spain. You’ll just need an NIE number, which is the standard ID number for non-residents.

Do I need a lawyer?
Technically no, but in practice yes. A local, independent lawyer protects you by checking legal status, debts, boundaries, urban-planning issues and all contracts. Most buyers consider them essential.

What are the extra costs beyond the purchase price?
Plan for roughly 10–15 percent on top of the price. This covers taxes, notary fees, registration costs, legal fees and any mortgage-related expenses. The exact amount depends on whether you’re buying a resale or a new development.

What’s the difference between buying a resale and a new build?
Resales are subject to transfer tax. New builds have VAT and a smaller stamp duty instead. New builds can come with modern features and warranties, while resales often offer better locations or more space for the money.

How long does the buying process take?
If everything is straightforward, four to eight weeks is common. More complex cases or rural properties can take longer, especially if paperwork needs updating.

Can I get a mortgage as a non-resident?
Yes. Most Spanish banks lend to non-residents, usually up to around 60–70 percent of the property value. Expect a property valuation and some extra paperwork.

What ongoing costs should I expect?
Annual property tax (IBI), community fees if you’re in an urbanisation, utilities, home insurance and occasional maintenance. Villas and rural homes may require more upkeep.

Can I rent out my property?
Often yes, but tourist rentals are regulated. Some municipalities require a rental licence and some communities don’t allow short-term lets. Always check before you buy.

Is buying inland different from buying on the coast?
The process is the same, but inland areas sometimes have older rural titles, missing paperwork or past renovations that were never documented. A careful legal check is even more important there.

What happens at the notary?
The final deed is signed, payments are confirmed and you officially become the owner. After that, the property is registered in your name.

Before you view

• Decide if this is for living, holidays, rental income or long-term investment.
• Set a realistic budget including 10–15 percent for buying costs.
• Research areas: coastal towns vs inland villages, transport links, noise levels, microclimates.

When you find a property

• Hire an independent lawyer.
• Ask for a recent “nota simple” from the Land Registry.
• Check community fees, IBI receipts and any outstanding bills.
• Confirm boundaries and legal status, especially for rural homes.
• For new builds, look at licences, guarantees and estimated completion dates.

Before you commit

• If paying a reservation fee, make sure the terms are clear: amount, conditions, refund rules.
• Ensure your lawyer reviews all contracts before you sign anything.
• If you plan to rent, confirm rental rules for that municipality and community.

Financing

• Get mortgage quotes early if you need financing.
• Have your valuation arranged through the bank.
• Make sure you understand repayment terms and any early-repayment fees.

Completion

• Your lawyer should prepare a full report on the property.
• Make sure all debts and taxes are cleared before completion.
• Sign the deed at the notary and transfer final funds securely.
• Register the property in your name and switch utilities.

After you buy

• Update home insurance.
• Set up automatic payments for utilities, IBI and community fees.
• Keep all paperwork and receipts together.
• If you’re a non-resident, check your annual tax obligations.