Guides
Buying guides
Clear, up-to-date answers for buying new-build property in Spain — taxes, NIE, mortgages, closing costs and the full process.
Tax guides
Taxes by country
What you pay buying, owning and selling on the Costa del Sol, with the extra layer for your home country.
Australia Property taxes
Belgium Property taxes
Canada Property taxes
Denmark Property taxes
Netherlands Property taxes
Finland Property taxes
France Property taxes
Germany Property taxes
Ireland Property taxes
Nordics Property taxes
Norway Property taxes
Poland Property taxes
Qatar Property taxes
Russia Property taxes
United Arab Emirates Property taxes
United Kingdom Property taxes
United States Property taxes
The buying process
From reservation to the notary, step by step.
- Bank Guarantees on Off-Plan Purchases (Ley 57/68)
- Buying After Brexit: What Changed for UK Buyers🇬🇧 UK
- Choosing an Independent Lawyer for an Off-Plan Purchase in Spain
Costs & fees
What you pay on top of the price, itemised.
- Closing Costs When Buying Property in Spain (Costa del Sol, Andalusia)
- Community Fees and IBI: What It Costs to Own on the Costa del Sol
- Home Insurance for a New-Build on the Costa del Sol
Mortgages
Financing a new build as a non-resident.
- Deposit and LTV: How Much Can a Non-Resident Borrow in Spain
- Mortgages for Belgian Buyers of New-Build in Spain🇧🇪 BE
- Mortgages for Dutch Buyers in Spain🇳🇱 NL
Money & currency
Transfers, exchange and paying from abroad.
- CHF to EUR Transfers for Swiss Buyers🇨🇭 CH
- Currency for Norwegian and Danish Buyers (NOK/DKK to EUR)🇳🇴 NO
- Currency Hedging When Buying Off-Plan (Staged Payments)
NIE & paperwork
Your NIE number and the documents you need.
- Getting a NIE from Abroad Before You Buy
- How to Get a NIE (Foreigner ID) to Buy Property in Spain
- Opening a Spanish Bank Account as a Non-Resident
Residency & moving
Visas, residency and settling in Spain.
- Healthcare on the Costa del Sol for Non-Resident Owners
- Healthcare on the Costa del Sol for Non-Resident Owners
- Moving from Ireland to Spain🇮🇪 IE
Non-resident tax
IRNR and Modelo 210 for non-resident owners.
Property tax (IBI)
The annual local property tax explained.
Plusvalía
The municipal gains tax on selling.
Selling & inheritance
Selling as a non-resident and passing on your home.
Lifestyle & living
Areas, schools, healthcare and daily life.
- Benahavis: Marbella’s Green Backyard
- Best Areas for Belgian Buyers on the Costa del Sol🇧🇪 BE
- Best Areas for French Buyers on the Costa del Sol🇫🇷 FR
