A property purchase typically takes around 6–8 weeks and is conducted entirely in Spanish. There are many important steps to keep track of, and we are here to guide you throughout the process. We also recommend hiring an independent solicitor who can assist you with all legal aspects of the purchase.

Buying Process on the Costa del Sol – Step by Step

1. Viewing and Bidding

After viewings, bidding and negotiation, the buyer and seller agree on a final sales price.

2. Reservation Contract

(Contrato de Reserva)

This is a simple agreement setting out the purchase price, payment terms, expected date of signing the title deed, included furniture and whether the purchase is subject to a mortgage. A reservation deposit of approximately €6,000 is normally paid.

The reservation contract is either signed at the broker’s office or sent to the buyer by email for signature.

3. Legal Examination and Due Diligence

The solicitor contacts the seller’s legal representative and gathers all relevant documentation for the property. This includes verifying that all permits and licences are in order and that there are no outstanding debts, mortgages, community fees, tenants or unpaid taxes associated with the property.

4. Private Purchase Contract

(Contrato de Compraventa)

Once the legal checks are completed and everything is confirmed to be in order, the buyer and seller sign the private purchase contract. This detailed agreement includes a legal description of the property, personal details of both parties, the purchase price, payment schedule and estimated date of signing the title deed.

At this stage, the buyer usually pays 10% of the total purchase price.

5. Title Deed

(Escritura de Compraventa)

The final step takes place at a notary office. Both parties, either in person or represented by their solicitors with power of attorney, sign the title deed. The remaining purchase price is paid, and the keys are handed over to the buyer.

From this moment, the buyer becomes the legal owner of the property.

6. Registration of the Purchase

After signing the title deed, it is registered at the Land Registry in the buyer’s name. The solicitor ensures that all taxes, transfer fees and legal costs are paid, and that utility contracts, community fees and property-related taxes are transferred to the new owner.

Official information about property purchases and legal requirements in Spain is available from the
Spanish Ministry of Justice

Frequently Asked Questions About Buying Property on the Costa del Sol

Can foreigners buy property on the Costa del Sol?

Yes, foreigners can freely buy property on the Costa del Sol. There are no restrictions for non-residents, although you will need a Spanish NIE number and a local bank account to complete the purchase.

How long does it take to buy property on the Costa del Sol?

Buying property on the Costa del Sol typically takes between 6 and 8 weeks. The timeline depends on legal checks, mortgage requirements (if any) and the availability of documentation.

Do I need a lawyer when buying property in Spain?

While not legally required, hiring an independent lawyer is strongly recommended when buying property on the Costa del Sol. A lawyer ensures the property is legally sound, free of debts and that the transaction complies with Spanish law.

What additional costs should I expect when buying a property?

In addition to the purchase price, buyers should budget approximately 8–12% for additional costs. These may include transfer tax or VAT, notary fees, land registry fees and legal costs.

Can I get a mortgage in Spain as a non-resident?

Yes, Spanish banks offer mortgages to non-residents. Financing is usually up to 60–70% of the property value, subject to financial assessment and bank approval.

Is it a good time to buy property on the Costa del Sol?

The Costa del Sol remains one of Europe’s most popular property markets thanks to its climate, lifestyle and strong international demand. Opportunities exist year-round, particularly for buyers who are well-prepared and informed.

What areas are most popular for buyers on the Costa del Sol?

Popular areas include Fuengirola, Benalmádena, Mijas, Marbella and Estepona. Each location offers a different lifestyle, from beachfront living to golf and residential communities.

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