The Best Place to Find Your Next Home
Buy a Property in Costa Blanca
Are you looking for the perfect home in Spain? Costa Blanca offers sunny weather, beautiful beaches, and an exceptional quality of life, making it an ideal location for buying property. Whether you’re searching for a luxury villa, a beachfront apartment, or an investment property, we have the best listings available for you.
With so many choices and opportunities in this stunning region, finding the right property can seem overwhelming. That’s why we are here to help you navigate the process with ease.
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Find Your Neighborhood
Costa Blanca is more than just a beautiful region — it’s an ideal place to live, retire, or invest. With a welcoming climate year-round, countless cultural events, and a welcoming community, it truly offers the perfect combination of lifestyle and opportunity. No matter what type of home you're looking for, the following areas stand out as top choices
FAQ – Everything You Need to Know About Buying in Costa Blanca
What are the legal requirements for buying property in Costa Blanca?
Purchasing property in Costa Blanca as a foreigner is a straightforward process, but there are some legal requirements to keep in mind. The first essential step is obtaining an NIE (Número de Identificación de Extranjero), a unique identification number that is required for all property transactions, taxes, and utility contracts in Spain.
Moreover, you will need to open a Spanish bank account to facilitate payments, mortgage transactions (if applicable), and tax obligations. Once you’ve selected a property, the process involves signing a reservation contract, followed by a private purchase agreement, where a deposit is typically required (usually 10%). Finally, the last step is signing the title deed at a notary, which officially transfers full ownership.
Our legal experts will guide you through every step of the process, ensuring that all documents are correctly processed and that you understand each stage of the purchase. We also work closely with trusted legal professionals to help streamline the process.
Are there additional costs when purchasing a home in Spain?
Yes, there are some additional mandatory expenses that buyers should be aware of. These costs typically range between 10% to 15% of the total property price and include:
Property Transfer Tax (ITP) or VAT (IVA): If you are purchasing a resale property, you will need to pay the Impuesto de Transmisiones Patrimoniales (ITP), which varies by region (typically 8-10%). But, if instead you are buying a new build property, the VAT (IVA) rate is 10%, plus an additional 1.5% stamp duty (AJD).
Notary Fees & Land Registry: These fees depend on the property’s value, but generally range from €600 to €1,500.
Legal Fees: Hiring a lawyer to assist with due diligence, contracts, and paperwork typically costs around 1% of the property price.
Mortgage Arrangement Fees: If financing is required, Spanish banks charge approximately 1-2% of the loan amount for arrangement and valuation.
We ensure complete cost transparency so that you know exactly what to expect before purchasing. Our team will provide a detailed breakdown of all expenses to help you plan your budget effectively.
Can foreigners apply for a mortgage in Spain?
Absolutely! Foreigners can apply for a mortgage in Spain, though the terms and conditions differ for non-residents. Typically, Spanish banks offer:
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Up to 70% financing of the property value for non-residents (and up to 80% for residents).
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Loan terms that range from 5 to 30 years, depending on the applicant’s age and financial profile.
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Interest rates based on the Euribor, with fixed or variable options available.
Banks will assess your income stability, credit history, existing debts, and employment status. Additionally, you’ll need to provide supporting documents such as proof of income, tax returns, and bank statements from your country of residence.
Our team works closely with reputable Spanish banks to help you secure the best mortgage deals available.
Is buying off-plan or new construction a good investment?
Yes, buying off-plan or new-build properties in Costa Blanca is a great investment for several reasons:
Lower Pre-Construction Prices: Off-plan properties are often sold at a lower price before completion, giving you the opportunity to benefit from capital appreciation by the time construction finishes.
Modern & Energy-Efficient Designs: New-build homes feature high-quality materials, contemporary layouts, and the latest energy-efficient technologies, reducing long-term maintenance and utility costs.
Secure Purchase Process: Spanish law requires developers to provide bank guarantees, ensuring that your payments are protected during the construction phase.
Strong Rental & Resale Potential: With growing demand for modern homes in Costa Blanca, new-builds are highly sought after for both rental income and resale opportunities.
