Buying Guide
Why you should buy a property in Spain with Nordic Home Spain
We are a Swedish team with over 10 years of experience on the Spanish property market. We speak the language, understand the legal framework, and are by your side throughout the entire process – from first contact to keys in hand.
Get in touch with us to start your property journey in Spain.
How to Buy Property in Spain
Buying property in Spain is an exciting journey – but also a legal and practical project that requires the right guidance. Here we go through step by step how the buying process looks, what costs you can expect, and why you can feel secure with Nordic Home Spain by your side.
1. Reservation of the Property
Once you have found your dream home, we will help you draw up a purchase contract.
The property is immediately taken off the market – it is now reserved exclusively for you.
2. Legal Check and Preparations
After reservation, the law firm starts its work:
Verification of ownership and any debts
Preparation of purchase documents and title deed
Preparation of electricity and water subscriptions
Communication with the seller or construction company
At the same time, we help you obtain a NIE number (Spanish tax number) and open a bank account – two important parts of the buying process.
3. Final Payment and Move-In
For resale properties, access usually occurs within 4–6 weeks after reservation. For new construction, the move-in depends on when the building is completed and approved.
4. At the Notary
On the day of access, we meet together with your lawyer at the notary. Here:
You go through the entire purchase
The title deed is orally translated into Swedish
Final payment and key handover take place
You receive a copy of the title deed, the original is sent to the property register
Costs when Buying Property in Spain
In addition to the property’s price, there are some costs depending on whether it is new construction or resale.
New Construction – Approximately 12–13%
VAT (IVA)
Stamp duty
Notary
Property register
Connection fee for electricity water
Resale Property – Approximately 11%
Property tax
Notary
Property register
Loan Costs (for Spanish Mortgage Financing)
0.5% – notary
1.5% – mortgage tax
350 € – property register
350 € – valuation
1–2% – bank fees
Legal Fees
Approximately 1,200–1,400 €
Contract Signing and Legal Check
Name change on electricity, water, association register, etc.
Power of Attorney and Notary Meeting (if you are not present)
Looking for a home in Spain?
Contact us and we’ll help you.