How to buy a property on the Costa del Sol, Spain
Buying a home on the Costa del Sol as a foreigner is easier than you think. You do not need to be a Spanish resident or an EU citizen. You only need a Spanish tax number (NIE) and a local bank account. This guide explains how the process works when you buy with StartGroup, what it costs and how long it takes. It is based on more than 2,000 purchases we have completed since 2003, helping buyers before, during and after the purchase.
Can foreigners buy property in Spain?
Yes. Foreigners can buy property in Spain with no restrictions, EU citizens or not, residents or not. To complete a purchase you need two things:
- An NIE (Número de Identidad de Extranjero) — your Spanish tax identification number.
- A Spanish bank account to manage the payment and ongoing costs.
You will need both in place before completing the purchase.
All our agents are certified by G.I.P.E, and we are one of the few agencies to have been awarded the MMCEPI quality seal
StartGroup’s 7 Steps to Buying a Home on the Costa del Sol
Our buying process consists of 7 steps, developed after over 20 years of helping buyers make their property
purchase go smoothly.
1
Financial analysis
We meet with you to talk in detail about your requirements, needs and budget. We go through the buying process, associated costs, and your financial options in detail. What type of property do you need? What is important to you? If you need a loan, our certified in-house mortgage broker will help you secure the best conditions.
2
Finding the right property
Once we know what you want and how you will finance it, we search andshortlist the right homes for you.
3
The offer
Your agent guides you through the offer and negotiation to secure the deal — experience and know-how save both time and money.
4
Due diligence and contracts
Our certified estate agents take care of the legal checks and contracts so you are fully protected.
5
Mortgage application
If you need financing, we handle the mortgage application to secure your funds.
6
Notary and keys
You sign the title deed at the notary and receive the keys to your new home.
7
After-sales support
Our after-sales department helps with furniture, renovations, moving, and cleaning.
We have done it over 2,000 times since 2003.
StartGroup’s continuous training, certification and improvement efforts result in a knowledgeable and motivated team of estate agents and service personnel – ensuring that you have a secure and successful property transaction!
How much does it cost to buy property in Spain?
On top of the purchase price, you also need to budget for taxes and fees. The total depends on whether you buy a resale or a new-build property.
| Property type | Main taxes | Other fees | Approx. total |
| Resale | 7% transfer tax (ITP) | Notary, land registry, legal fees | ~9% of price |
| New build | 10% VAT (IVA) + 1.2% stamp duty (AJD) | Notary, land registry, legal fees | ~13-14% of price |
These percentages are indicative; StartGroup gives you a precise breakdown for your specific purchase during the financial analysis (step 1).
How long does the buying process take?
Most purchases take six to eight weeks from accepted offer to receiving the keys. With a mortgage, allow ten
to twelve weeks.
Why buy with StartGroup?
After 23 years on the Costa del Sol, StartGroup has built a system to guide buyers with quality service and
guarantees:
- Three offices on the Costa del Sol: Calahonda, La Cala de Mijas and Torrequebrada.
- Established since 2003, with more than 2,000 completed purchases.
- The only agency where every agent is a GIPE-certified estate agent, each holding individual professional liability insurance.
- Certified by API and holder of the European quality seal MMCEPI.
- An in-house licensed mortgage broker to secure your financing.
- A dedicated after-sales department for furniture, renovations, moving and more.
- A team that speaks 14 languages. Good communication is the key to success.
Our knowledgeable team will answer your questions about your purchase in English
Frequently asked questions
Do I need an NIE to buy property in Spain?
Yes. The NIE is your Spanish tax number and is required to complete any property purchase.
Can a non-resident get a mortgage in Spain?
Yes. Non-residents can obtain Spanish mortgages. Our in-house licensed mortgage broker helps you compare options and secure the best available terms.
Do I need a lawyer to buy a property?
A lawyer is not legally mandatory, but it is recommended. Our certified estate agents handle the due diligence and contracts, and we work alongside your lawyer if you appoint one.
What are the total costs of buying?
Around 9% on top of the price for a resale property, and around 13–14% for a new build. See the cost table above for the breakdown.
Can I buy a property remotely from abroad?
Yes. Much of the process can be handled remotely. You can give StartGroup Power of Attorney to sign the title deed for you and to set up direct debits for water, electricity and internet. To open a bank account, most banks ask you to visit the branch in person at least once for identification.
How long does it take to complete a purchase?
Usually six to eight weeks from offer to keys, or ten to twelve weeks with a mortgage.
Ready to find your home on the Costa del Sol?
Talk to our certified team. Call us, email us, or visit one of our offices in Calahonda, La Cala de Mijas or Torrequebrada. Let’s make it happen.
By telephone +34 952 90 48 90 or email: info@startgroup.com or visit our offices in Calahonda, La Cala de Mijas and Torrequebrada
