The Process of Buying a Property in Spain: What You Need to Know

Spain is one of the most attractive countries in Europe for property buyers. Whether you're looking for a holiday home, an investment property, or planning to relocate permanently, Spain offers a wide variety of real estate options — from beachfront apartments to countryside villas and historic city flats. However, the process of buying property in Spain can be quite different from what you may be used to in your home country. That’s why having the right legal guidance is essential.

1. Define Your Budget and Goals

Before you start looking for a property, it's important to define your budget, taking into account not only the purchase price but also the additional costs involved (more on that below). You should also be clear on the purpose of your purchase: primary residence, holiday home, rental investment, or retirement home.

2. Find the Right Property

Many buyers work with local real estate agents who specialize in the area they’re interested in. Agents can help you navigate the local market and arrange property visits. Keep in mind that real estate agents in Spain represent the seller, so it’s always a good idea to have independent legal counsel representing your interests.

3. Hire a Lawyer (Abogado)

This is a critical step. A qualified property lawyer will:

• Review the property’s legal status (ownership, debts, encumbrances, building permits, etc.)

• Verify the property is free of charges or hidden liabilities

• Ensure that the seller has the legal right to sell

• Draft or review contracts to protect your interests

Your lawyer will act as your independent advisor throughout the entire process.

4. Make a Reservation and Pay a Deposit

Once you’ve found a property, you may be asked to sign a reservation agreement and pay a small deposit to take the property off the market. This shows your serious intent to purchase while your lawyer completes due diligence.

5. Sign the Private Purchase Contract

After all legal checks are complete, both parties sign a contrato de arras (private purchase contract), which outlines the conditions of the sale. At this stage, you typically pay 10% of the purchase price as a deposit.

6. Finalize Financing (if applicable)

If you're taking out a mortgage in Spain, you will need to finalize your financing during this period. Spanish banks may require appraisals and additional documentation, which your lawyer can help coordinate.

7. Completion and Notary Signing

The final step is signing the Escritura de Compraventa (Title Deed) before a Spanish notary. At this point, you will pay the balance of the purchase price, and the property will officially be transferred into your name.

8. Registration and Taxes

After signing, your lawyer will ensure the property is properly registered with the Land Registry and that all taxes and fees are paid. Typical additional costs include:

• Property Transfer Tax (or VAT for new builds)

• Notary fees

• Land Registry fees

• Legal fees

• Mortgage fees (if applicable)

In total, you should budget approximately 10-15% of the purchase price for these costs.

Why You Should Work With a Specialist Real Estate Lawyer

Buying property in Spain can be a smooth and rewarding process — but it’s not without risks. Mistakes can be costly, and local regulations can be complex, especially for foreigners. My role as a specialized real estate lawyer is to protect your interests, handle the legal complexities, and give you peace of mind throughout the entire transaction.

If you are thinking of buying property in Spain — whether you are already here or purchasing from abroad — feel free to contact me for a no-obligation consultation. I will be happy to guide you step-by-step and make your property purchase a safe and successful investment.

👉 Contact me today to get started with your property purchase in Spain.