buying guide

Complete Guide to Buying Property in Spain 2026

Everything you need to know about buying property in Spain, from finding the right home to completing the purchase legally.

Introduction to Spanish Property Market Spain remains one of the most attractive destinations for property buyers from across Europe.

With its Mediterranean climate, excellent healthcare system, and vibrant culture, the Costa Blanca and Costa Cálida regions offer exceptional value for international buyers seeking their dream home in the sun.

Step 1: Define Your Requirements Before beginning your property search, clearly define what you're looking for.

Consider the property type (apartment, villa, townhouse), location preferences (beachfront, golf course, rural), budget including all costs, and whether you want a new build or resale property.

Step 2: Legal Preparation You'll need to obtain a NIE number (Número de Identificación de Extranjero), which is essential for any property transaction in Spain.

Opening a Spanish bank account is also recommended for handling payments.

We recommend engaging an independent lawyer who specializes in Spanish property law.

Step 3: The Purchase Process Once you've found your perfect property, you'll sign a reservation contract and pay a deposit.

Your lawyer will conduct due diligence, checking the property registry and outstanding debts.

The private purchase contract follows, requiring a 10% deposit.

Finally, completion takes place at the notary.

Costs to Consider Budget approximately 10-15% on top of the purchase price for costs including transfer tax (ITP) at 10% for resales or VAT at 10% for new builds, notary fees, registry fees, and legal costs.