Buying a property

Buying a property in Spain

Steps, taxes and costs to expect before buying a property in Spain as a foreigner.

Last reviewed: 2026-06-15From reservation to completion, typically 6-12 weeks, longer if a mortgage is involved.

This guide is not yet verified by Tuchati's editorial review — treat it as a helpful starting point, not a final legal answer.

Overview

Foreigners can buy property in Spain regardless of residency status, but the process involves more parties and costs than most people expect — notary, land registry, taxes and (usually) a gestor or lawyer coordinating everything.

Requirements

You'll need an NIE before you can complete a purchase
A Spanish bank account is strongly recommended for handling payments and ongoing costs (utilities, community fees, taxes)

Step-by-step process

Agree a price and sign a reservation or deposit contract (arras) with the seller
Arrange financing if needed, and an independent survey/legal check of the property
Sign the deed of sale (escritura) before a notary
Register the property at the Land Registry (Registro de la Propiedad)
Pay the associated transfer tax and register for local property tax (IBI)

Required documents

NIE
Proof of funds or mortgage approval
Reservation/deposit contract
Notarised deed of sale

Common mistakes

Skipping an independent legal check of the property's registry status and any outstanding debts or charges
Underestimating total costs — taxes and fees typically add 10-15% on top of the purchase price (see 'Costs and taxes when buying a property' for the breakdown)

Practical tips

Use a lawyer independent from the seller's agency to review the property and contracts
Confirm exactly which taxes apply to your situation — they differ for new-build versus resale property, and by region

How Tuchati can help

Buying property involves genuinely high stakes. A Tuchati One Request can help you understand the process and find trustworthy, independent professional support at each stage.