Spain
Buying property
Overview
At Charfort, our team of English-speaking property lawyers in Spain will assist you with every step of the property purchase process. Our English-speaking immigration lawyers will also help you obtain your NIE and open a bank account.
The process of buying property in Spain is not always easy, but Charfort’s team will make it simple, as you will find all the professionals you need involved in this purchase process.
Thanks to our global team of lawyers specializing in time zones, immigration, and real estate law, you will receive the competent legal support you need to purchase any property you wish in Spain.
How to buy a house in spain?
1
Find the right property at the right price
Search, compare, and select the property that best fits your needs and budget. Our team of buyer’s agents in Spain, together with English-speaking Spanish lawyers, will assist you in finding the right house to buy and take care of the legal process involved in the transaction.
2
Get your NIE number and open a Spanish bank account
An NIE number (Número de Identificación de Extranjero) is required for all legal and financial transactions in Spain. Opening a Spanish bank account is essential to pay the seller, taxes, notary fees, community charges, and utilities. Our Spanish property lawyer can help you complete both steps smoothly and can act on your behalf through a Power of Attorney if you are unable to attend in person.
3
Due diligence and signing of the Arras contract
Before signing, your lawyer will conduct legal due diligence to ensure the property has no debts, charges, or legal issues. You will then sign the Contrato de Arras (reservation contract), which secures the property and outlines the agreed price, deposit (usually 10%), and conditions. This step protects you as a buyer and is a standard part of buying property in Spain.
4
Provide all required documents to complete the purchase and sign the deed of sale at the notary
Prepare and submit all necessary documents, including your passport, NIE number, proof of funds, and mortgage details if applicable. The notary reviews the Escritura de Compraventa (deed of sale) to finalize the purchase. Your lawyer ensures all documentation complies with Spanish law, and that on the day of the purchase, it is guaranteed that the property has no outstanding debts, neither with the homeowners’ association nor with any mortgages.
5
Register at the Land Registry and pay the taxes
Once the notarial deed is signed, the property must be registered in the Registro de la Propiedad (Land Registry). You will also pay the applicable taxes, including Transfer Tax (ITP) or VAT (IVA) for new properties, plus stamp duty and notary fees. This step makes you the official owner and protects your investment.
6
Set up utilities and property management (Optional)
After registration, set up electricity, water, and community fees. At Charfort, our team can also take care of managing this process.
How Charfort can help us to buy a purchase in Spain?
- Find the property that perfectly matches your needs and wish list
- Ensure the purchase price is fair, accurate, and market-appropriate
- Provide assistance with property inspections and verification
- Manage all legal processes related to the property purchase
- Obtain your NIE number and open your bank account in Spain
- Finding the right currency exchange company to transfer funds to Spain.
- Oversee the registration of your investment in the Land Registry
- Assist with setting up utilities and property installations
Expert Consultation
City Discovery Tour with your buyer´s Agent
Purchase Search Service Package
Benefit in buy in Spain
Spain has become one of the favorite destinations for many people for various reasons. Its Mediterranean climate, with mild winters and sunny summers, attracts both those seeking a permanent residence and those looking for a second home for holidays. In addition, its cultural and gastronomic diversity, along with a wide range of leisure options and outdoor activities, make living or investing here very appealing. The variety of housing options—from modern city apartments to coastal villas or rural mountain homes—allows each buyer to find something that suits their needs and lifestyle. Added to this is the stability of the real estate market and the potential to generate rental income, making Spain not only a pleasant place to live but also an attractive investment opportunity. That’s why the advantages of buying property in Spain are many.
- Attractive Climate and Lifestyle –
- Affordable Property Prices Compared to Other European Countries – Great value for money compared to France, Italy, or the UK.
- High Rental Potential – Popular areas offer excellent opportunities for short-term or long-term rental income due to the large number of tourists who visit Spain each year
- Good Infrastructure and Healthcare – Modern transport, reliable services, and excellent healthcare make living comfortable.
- Stable Property Market and Investment Opportunities – Prime locations offer long-term growth and solid investment potential.
- Different and easy programs to obtain residence permits- For example, the non-lucrative residence permit is aimed at retirees, while the Digital Nomad Visa is designed for those who want to work from Spain
Frequently asked questions
Everything you need to know about the process.