Buying Property on the Costa del Sol

For the full overview, see where to live on the Costa del Sol with kids.

Buying property in Spain is exciting but involves significant legal and financial complexity. This guide covers the full process for families — from finding a property to completing the purchase — including costs, legal requirements, mortgage options, and the mistakes that catch foreign buyers off guard.

The buying process

After finding a property, the typical steps are: reservation agreement (€3,000–€6,000 deposit), due diligence (lawyer checks title, debts, planning), private contract (10% deposit), and completion at the notary. The process takes 6–12 weeks from offer to completion. You'll need an NIE — see NIE guide.

Costs beyond the price

Purchase costs add 10–13% on top of the property price: transfer tax (7–10%), notary fees, land registry, and legal fees. Annual costs include IBI (property tax), community fees, and insurance. Budget €2,000–€5,000/year for ongoing property costs.

Should you rent first?

Most relocation advisors — including us — recommend renting for 6–12 months before buying. You'll learn the area, test school commutes, and avoid the most expensive mistake: buying in the wrong neighbourhood. See renting vs buying. This is a practical overview, not personal legal, tax, or property advice.