Buying a home in Spain, handled from start to finish
Buying a property in Spain means dealing with the Land Registry, the town hall, the bank, the notary, the tax office and the utility companies — in a language and a system you may not know. We stand in the middle and do it all for you: one trusted point of contact, in English, from the first check to the keys in your hand.
Guide: estimate and organise your purchase
Answer four things and get a tax estimate and a tailored step-by-step checklist. Indicative only; exact figures are confirmed before we start.
Second-hand: taxed via ITP.
General rate of 9%.
Tax estimate
Second-hand on €180,000.
Excludes notary, land registry and conveyancing fees (separate, told to you in advance). The mortgage stamp duty is paid by the bank (since 2018), not you. Cash payments capped at €1,000.
Your checklist
Tick items as you go. foreign = extra step if not yet resident; money = may trigger the source-of-funds protocol.
1 · Check the property
- Pull the Land Registry extractWho really owns it and whether there are charges, mortgages or seizures.
- Check community and IBI debtsSo the home carries no surprises.
- Check planning statusThat it is legal and licence-clean.
2 · The deposit (arras)
- Sign the deposit contractmoneyWith a clause protecting you if the bank denies the mortgage.
3 · Financing
- Pull your CIRBE reportWhat the banks know about your credit.
- Negotiate the mortgageCompare offers and terms.
4 · Prepare and sign the deed
- Coordinate the notaryDate, powers of attorney and paperwork.
- Arrange the paymentmoneyProperly documented (means of payment, source of funds).
5 · After signing
- Pay the purchase taxesmoneyITP (form 600).
- Register the home in your nameAt the Land Registry.
- Switch utilities, IBI and community feesPut everything in your name.
Indicative tool; not binding tax or legal advice. Data verified on 2026-08-21 (BOE). Excludes notary, registry and conveyancing. Reduced rates and their requirements are confirmed with the Valencia Tax Agency.
One firm, the whole purchase
Buying a home is one of the biggest decisions you will make — and in a foreign country it can feel like a maze. Our job is to remove that fear. You deal only with us; we take care of the rest, keep you informed at every step and make sure nothing is signed until it is safe to sign. Our duty is to act with professional diligence: we don't sell guarantees, we sell a purchase done properly.
What we take care of, step by step
- Your identity (NIE). We obtain the foreigner's number you need before you can buy anything.
- Checking the property. Before you pay a cent we pull the nota simple (the Land Registry record) and confirm who really owns it and whether it has debts, mortgages, charges or urban-planning issues — like an MOT for the property.
- The deposit (arras). We draft or review the reservation contract to protect you — for example, so you get your money back if the bank turns down your mortgage.
- The mortgage. We pull your CIRBE credit report and guide you through the bank, including non-resident mortgages.
- Preparing the deed. We coordinate the notary, re-check everything on the day and organise the payment so it is properly justified.
- Signing. We attend the notary with you — or sign on your behalf under a power of attorney if you are abroad. If you don't speak Spanish, an interpreter is arranged (the notary requires it).
- After signing. We pay the purchase taxes for you, register the home in your name and switch the utilities, the IBI and the community fees over. Then it's fully yours.
Made for foreign buyers
This is where we add the most value. Beyond the purchase itself, we can open a non-resident bank account, let you buy remotely with a power of attorney (apostille and sworn translation), arrange an interpreter, set up a tax representative, and prepare a Spanish will — strongly recommended once you own property here. We also point you to the right residence route if you plan to live in Spain (the property "golden visa" no longer exists since April 2025).
Clear and honest
You will always know the real cost. Our fees are separate from the taxes, notary and registry fees, which we tell you in advance and which vary with the property — we confirm the current figures, never quote from memory.
Thinking of buying in Spain?
Tell us about the property and where you're buying from. We'll reply with the next step and a clear idea of the costs.
Talk to us