Buying Property in Marbella
Full transaction support from property selection to key handover. Legal due diligence, negotiations, mortgage assistance — all in English.
How the Purchase Works
A transparent 4-step process — from the first call to receiving the keys
Consultation
We discuss your goals, budget and preferences. We compile a list of suitable properties.
Viewings
We organize viewings of selected properties. We show the area, infrastructure and explain the nuances.
Negotiation & Verification
We negotiate the price, conduct legal due diligence on the property and prepare the documents.
Closing the Deal
Signing at the notary, property registration, key handover. You are the owner!
What's Included
Comprehensive support at every stage of the purchase
Property Selection
We find properties that exactly match your criteria, including exclusive listings not available on the open market.
- Analysis of your requirements and budget
- Access to 300+ off-market properties
- Selection considering investment potential
- Viewings arranged at your convenience
- Area and infrastructure tours
Legal Support
We verify the legal status of the property and protect your interests at every stage of the deal.
- Nota Simple verification (property registry extract)
- Analysis of encumbrances and debts
- Building permit verification
- Contract preparation and review
- Notary support
Negotiations
We professionally negotiate with the seller, securing the best terms for you.
- Market value analysis of the property
- Negotiation strategy tailored to the situation
- Negotiations in Spanish/English
- Payment terms agreement
- Protection of your interests
Financing
We help you obtain a mortgage from a Spanish bank on favorable terms for non-residents.
- Mortgage program consultation
- Bank selection with the best terms
- Assistance with document collection
- Support through the approval process
- Document translation and legalization
Legal Due Diligence
Thorough property verification is a mandatory step that protects you from costly mistakes. We check every aspect before signing the contract.
What we verify:
- Nota Simple — property registry extract confirming ownership
- Encumbrances — mortgages, liens, seizures on the property
- Cedula de Habitabilidad — certificate of habitability
- Permits — building and renovation licenses
- Utility debts — outstanding utility bills and community fees
- Urban plan — verification at the town hall (Ayuntamiento)
Mortgage for Non-Residents
Getting a mortgage in Spain is possible even without resident status. We work with leading banks.
Financing
of the property value for non-residents. Down payment — 30-40%.
Interest Rate
per year for non-residents in 2025. Fixed or variable.
Term
maximum loan term with repayment up to age 75.
Leading banks for expats: Santander, BBVA, CaixaBank — with English-speaking consultants
Minimum income: from 2,000-2,500 EUR per month. Debt-to-income ratio: no more than 30-40%.
Purchase Costs
In addition to the property price, budget 10-13% for additional costs
| Expense Item | Amount |
|---|---|
| ITP (Transfer Tax) | 7% |
| IVA + AJD | 11.5% |
| Notary | 0.5-1% |
| Registry | 0.3-0.5% |
| Lawyer | 1-1.5% |
| TOTAL (resale) | ~10-11% |
| TOTAL (new build) | ~13-14% |
Example: When purchasing a villa for 1,000,000 EUR (resale), additional costs will be approximately 100,000-110,000 EUR
Frequently Asked Questions
Answers to the most popular questions about buying property in Spain
Ready to Start Your Search?
Tell us about your preferences and we'll find the perfect options. The consultation is free and comes with no obligations.