Buyers
How buying works in Spain
Buying a home in Spain is different from back home – but with the right help it is simple and safe. Here is the whole process, step by step, and what we take care of for you.
01
Needs and budget
We start with a conversation about what you are looking for, your budget and which areas fit. We also help with financing advice if you need a Spanish mortgage.
02
NIE number
All foreign buyers need a Spanish tax number (NIE). Depending on your situation we can book the appointment for you or look into arranging it by power of attorney, without you needing to travel.
03
Viewings
We arrange viewings in person or by video and suggest homes that are not yet published. You get honest opinions on areas, condition and price.
04
Offer and reservation
When you find the right home we place your offer. On a deal a reservation agreement is signed with a reservation amount – and the property comes off the market. Before anything is signed or paid, we make sure you understand the terms of the amount and when it can be refunded.
05
Legal checks
An independent lawyer checks ownership, debts and permits. We help you find a lawyer who speaks your language and follow everything up.
06
Private purchase contract
Next is the private contract (contrato privado) where normally 10 percent of the price is paid. It sets the terms and the completion date.
07
Bank and financing
If you need a loan we help with bank choice, valuation and the mortgage offer. We also help you with the contact with a Spanish bank and the documents the bank asks for.
08
Notary and completion
On completion day the title deed (escritura) is signed at the notary and you get the keys. You sign at the notary yourself, or let your lawyer represent you with a power of attorney – we prepare everything beforehand.
Costs to budget for
Expect additional costs on top of the purchase price. Taxes and fees depend on the region, the property type and your situation – we help you work out an estimate for the home you are interested in. The most common items:
Transfer tax (ITP)
9% of the price on resale homes (the Valencia region's general rate, from 1 June 2026)
VAT + stamp duty (new build)
9% IVA + around 1.5% AJD when buying a new build
Notary and registration
Around 1–2% for notary, land registry and lawyer
Bank and valuation
Possible costs if you finance with a mortgage
Why Hammarlund Homes
You always talk to someone who lives here
We are five agents with offices in Torre de la Horadada and Altea, and we sell property across the whole Costa Blanca – and we answer the phone ourselves. This is the whole team you will meet.
First step
Curious about buying in Spain?
Call us and we will tell you more about the areas, price levels and what suits you – with no obligations.