Your Questions, Answered

Yes. Both EU and non-EU citizens can freely buy property in Spain with no restrictions on the number of properties owned. The key requirement is obtaining an NIE number (Número de Identificación de Extranjero) before completing any transaction.

An NIE is Spain's tax identification number for foreign nationals. It is required to sign contracts, pay taxes, open a Spanish bank account, and register property. You can apply at a Spanish consulate in your home country or at a police station in Spain, or your lawyer can apply on your behalf.

No. The entire process can be completed remotely via a Power of Attorney, which authorises your Spanish lawyer to sign on your behalf. Many of our clients from the UK, Netherlands and Belgium complete their purchase without visiting Spain until key handover.

• Reservation: Pay a deposit (€3,000–€10,000) to secure the property.
• Legal due diligence: Your lawyer checks planning, developer solvency and bank guarantees.
• Private Purchase Contract: Sign and pay 10–30% of the purchase price.
• Stage payments: Pay agreed installments during construction.
• Completion (Escritura): Sign the Notary deed, pay the balance, receive the keys.
• Registration: Your lawyer registers the title at the Land Registry.

Absolutely yes. We strongly recommend an independent Spanish lawyer — one who works for you, not the developer. Legal fees are typically 1% of the purchase price.

Yes. Spanish law requires developers to provide a bank guarantee for all stage payments. If the developer fails to deliver, you are entitled to a full refund plus 6% annual interest. Your lawyer will confirm these guarantees are in place before you sign.

For new builds in Andalusia, budget approximately 12–14% on top of the purchase price:

• VAT (IVA): 10% on new builds
• Stamp Duty (AJD): ~1.2% in Andalusia
• Notary & Land Registry: 0.5–0.9%
• Legal fees: ~1%

• IBI (Council Tax): 0.4–1.1% of catastral value/year
• Community fees: €100–€500/month
• Non-resident income tax: ~€200–€600/year
• Buildings insurance: €300–€600/year
• Utilities: Variable

• Lower entry price: Developers offer launch prices 10–20% below completed market value.
• Capital growth: Your property appreciates while you pay in stages.
• Customisation: Choose finishes and upgrades during early purchase.
• Staged payments: Spread capital outlay over 18–36 months.
• Brand new: 10-year structural warranty, modern energy standards.

Yes. Spanish banks offer mortgages to non-residents, typically financing up to 60–70% of the purchase price for up to 20–25 years. We can connect you with specialist mortgage brokers who work across multiple Spanish banks.

Nothing. Our service is completely free to buyers. We are paid a commission by the developer — this does not increase the price you pay.

Our team is fluent in English, Dutch, French, Spanish and Flemish.