How to buy property in Spain: a step-by-step guide

Buying in Spain is straightforward once you know the steps. Here's the exact process we guide every buyer through — with the costs and paperwork explained in plain language.

1. 1

   Step 1 — Get your NIE number

   Every foreign buyer needs an NIE (Número de Identificación de Extranjero), a Spanish tax ID. It's required to buy property, open a bank account and pay taxes. We help you obtain it at a Spanish consulate or in Spain.

2. 2

   Step 2 — Open a Spanish bank account

   You'll need a local account to pay the deposit, taxes and utility bills. We can recommend banks that work smoothly with non-residents and English-speaking staff.

3. 3

   Step 3 — Reserve the property

   Once you've chosen a home, a reservation deposit (typically €3,000–€6,000) takes it off the market while checks are done. A private purchase contract follows, usually with 10% paid.

4. 4

   Step 4 — Independent legal checks

   An independent lawyer verifies the property has no debts, the paperwork is in order and the licences are valid. We always recommend using your own lawyer — never the seller's.

5. 5

   Step 5 — Completion at the notary

   The final deed (escritura) is signed before a notary, the balance is paid, and the keys are yours. The property is then registered in your name at the Land Registry.