Spanish Property Purchase: The Complete Financial Checklist
Includes Spanish property market intelligence powered by Cassandra AI
Every cost, tax, and legal step — nothing left to chance
About This Briefing
Buying property in Spain as a foreigner involves 10–13% in transaction costs that most buyers don't fully account for upfront. This checklist walks you through every financial step: NIE application, mortgage pre-approval, notary costs, ITP or VAT, plusvalía, and the ongoing costs after you close.
What You'll Receive
- Complete cost breakdown: ITP, notary, registry, gestor fees
- New vs. resale: when to pay VAT vs. ITP
- NIE application process and timeline
- Mortgage for non-residents: rates, LTVs, required documents
- Spanish inheritance tax planning (often overlooked)
- Ongoing costs: IBI, garbage tax, community fees, wealth tax thresholds
- Printable checklist: 47 items across 8 stages
- Red flags: 12 things that should stop a purchase dead
Who Is This For?
EU nationals — particularly Dutch expats — planning a move to Spain who need accurate, up-to-date information to make sound financial decisions. No prior knowledge of Spanish tax law required.
Market Intelligence: Current Market Conditions
Live data updated quarterly. Placeholder figures shown — verified regional data loaded each quarter by our research team.
Avg. price/m²: €2,100–€3,400 (Dénia, Jávea, Moraira). Properties 90+ days on market: ~18% of listings — strong negotiation zone.
Avg. price/m²: €3,200–€5,800 (Marbella). 90+ day listings: ~12%. Fastest moving market in Spain — less negotiation room, higher liquidity on exit.
Avg. price/m²: €1,400–€2,200. Highest share of 90+ day listings (~28%) = most negotiation leverage. Typical discount achieved: 8–14% off asking.
Avg. price/m²: €2,400–€3,600. Supply tight. Properties under 90 days dominate. ITP 10%, notary + registry ~1.5%. Total acquisition cost ~12% over price.
Want weekly alerts with properties matching your criteria?
Deal Alerts — Join the Waitlist →