Start with your budget and location
Think about your total budget, including taxes and transaction costs, your intended use, preferred neighbourhoods and lifestyle. Compare Dénia, Jávea, Moraira, Benissa, Altea and Calpe.
A new home on the Costa Blanca can be a wonderful next chapter. Good preparation — and the right independent professional advice — makes the journey easier to navigate.
Arrange your NIE and practical paperwork
Foreign buyers normally need a Spanish NIE (foreigner identification number) for the purchase. Ask your independent lawyer which documents and banking arrangements are required for your circumstances.
Appoint an independent Spanish lawyer
A qualified lawyer acting for you should review the property title, land registry information, planning position, debts, contracts and other legal matters before you commit funds.
Consider mortgage and currency options
If you need financing, speak with an appropriately authorised mortgage lender or intermediary. Mortgage eligibility, deposits, costs and terms depend on your individual circumstances. Currency specialists may also help you understand exchange-rate exposure.
Review reservation and deposit terms
Have your lawyer check any reservation or arras agreement before signing or paying. Deposit terms and deadlines can have significant consequences.
Complete at the notary and register ownership
Your lawyer can explain the notary appointment, property transfer, applicable taxes, land registry steps and practical arrangements after completion.
What about buying costs?
In addition to the property price, allow for applicable purchase taxes, legal fees, notary and land registry costs, and any mortgage-related expenses. Tax rates and exemptions can change and depend on the property and buyer, so confirm current figures with your independent legal or tax adviser.
Ready to explore your options?
Speak with Julia about your plans, preferred areas and next steps.
Start a conversationGeneral information only, not legal, tax or mortgage advice. Professional introductions do not replace independent due diligence.