At Marbella Luxury Homes, we protect your property investment from day one. While many only think about taxes after buying, our clients avoid costly surprises before they sign – through expert legal checks and smart tax planning.
(The step most buyers skip – and later regret)
When you’re investing your money in a property in Spain, you need to know:
This isn’t just paperwork – it’s your financial safety net.
Ask about yearly costs (IBI tax, community fees, rubbish, water, electricity, and income/wealth tax). If buying a resale, check the property’s age and condition.
Non-residents can usually borrow up to 70% of the purchase price, subject to income and debt checks. Banks require supporting documents and a property valuation. Refer to our Buyers Guide or contact us for the latest details.
You can grant POA in Spain, at a Spanish Embassy abroad, or via a local notary with Hague Apostille and translation. This allows your lawyer to act for you. refer to our Buyers Guide for step-by-step guidance.
If your home country’s default is shared assets, you’ll need a marital contract with Hague Apostille and translation to register property in Spain. Contact us or see the Buyers Guide for more info.
Yes—your lawyer ensures the property is debt-free, contracts are secure, and registration is handled correctly. Prevention is always better than cure. Reach out to us for a referral or check the Buyers Guide.
A NIE (Foreigner ID) is required for property purchases, taxes, and utilities. It’s essential to have it before completion. See our Buyers Guide for the application process.
Using a surveyor is optional. Banks will do a valuation if you take a mortgage, but for peace of mind you can commission a structural survey yourself.
You’ll normally pay a reservation deposit to remove it from the market. Within 10–15 days a private contract is signed (usually with 10% deposit). Final completion takes place at the notary with your lawyer present.
Completion is when you sign the Title Deed at the Notary, make the final payment, and receive the keys. The Notary registers the deed and your lawyer can switch utilities into your name.
Use our Property Purchase Tax Calculator for more information
Expect around 12–13% on top of the purchase price:
Your lawyer will confirm exact figures for your case.
Plusvalía is a local municipal tax on land value increase, payable by the seller. Rates vary by Town Hall.
A NIE (Foreigner Identification Number) is required for property purchases, taxes, and utilities. It should be obtained before completion to avoid delays.
Home insurance is not legally mandatory, but strongly advised. If you take a mortgage, the bank will require it. We can arrange quotes for you.
Non-residents must pay:
Our in-house team of lawyers can manage these for you.
Charline Vandeven