Common questions about buying a property in Spain
Safe purchase – get answers to your questions
Buying a property in Spain often raises many questions, especially if you don’t live in the country. Here we have gathered answers to the most common questions we receive from our clients – from legal aspects and costs to viewings and buying at a distance. With our support, your property purchase becomes smooth, secure and entirely on your terms.
Can I buy a property in Spain as a non-resident?
Yes, as a EU citizen you are free to buy a property in Spain. You do not need Spanish citizenship or a residence permit. The only thing you must have is an NIE number (Número de Identificación de Extranjero), which functions as a Spanish tax identification number. We help you arrange this as part of the buying process.
How long does it take to buy a property in Spain?
For resale properties, a purchase normally takes 4–6 weeks from the time you pay the reservation fee. For new-builds, the time frame varies depending on the construction stage – it can take from a few months up to a year if the property is not yet completed. Legal checks, title registration and bank matters are handled during this period.
Can I buy a property in Spain remotely?
Yes, you can buy a property entirely remotely – many of our clients do. We offer digital viewings and can arrange a legal power of attorney via a notary, so the entire buying process can be completed without you travelling to Spain. You receive regular updates, and all documents and steps are explained clearly so that you feel confident throughout the process.
What does it cost to buy a property in Spain – besides the purchase price?
In addition to the purchase price, you should expect approximately 11–13% in taxes and fees, depending on whether it is a new-build or a resale property. These include VAT (IVA) or transfer tax (ITP), notary fees, land registry costs, legal fees, and any charges for connecting utilities such as electricity and water. We provide you with a clear cost breakdown before you proceed with the purchase.
Can I get a mortgage in Spain as a non-resident?
Yes, it is possible to take out a mortgage in Spain as a Swedish citizen. Spanish banks usually grant loans of up to 70% of the property’s value for non-residents. You will need to provide proof of income, creditworthiness and documentation – we guide you through the process and can recommend reliable banks and mortgage brokers.
How does the buying process for a property in Spain work?
The buying process starts with a reservation, where an amount (usually 5,000–10,000 €) is paid to take the property off the market. After that, a legal due diligence is carried out, a purchase contract is signed, and the title deed and completion take place at the notary. We handle everything together with experienced lawyers, so you can avoid unnecessary stress.
Do I need to hire a lawyer when buying a property in Spain?
Yes, it is highly recommended to hire a local, independent lawyer. They ensure that the property is free of debts, review all contracts, prepare the title deed and make sure the purchase is legally secure. We work with trusted lawyers who speak both Swedish and English.
Is it safe to buy new-build property in Spain?
Yes, but it is important to check the developer, building permits and payment plans. Through us, you get access to carefully selected new-build projects with full transparency and thorough legal checks. We are by your side all the way – from the start of construction to final inspection and move-in.
At Nordic Home Spain, we have been helping buyers purchase property in Spain for over 10 years.
Can’t find the answer to your question? Get in touch – we are here for you every step of the way.
Can’t find the answer to your question?
Contact us directly and we’ll help you.
Inspiration & tips
Read guides, tips and articles for those who want to buy a property in Spain.