Purchase Guidance

Buying a home in Spain starts with the right guidance

A special step, but also a process full of choices. That's why proper preparation is essential.

At CASA SOL, we specialize in personalized property searches. We guide our clients step by step in finding a home that truly fits — whether it's a holiday home, an investment, or relocation.

From first idea to the right home

A successful purchase begins with structure, insight, and the right guidance. That's why we always start with a careful process in which we really get to know your wishes and goals.

We start with:

• A personal introductory meeting where we clearly map out the search

• Determining a realistic budget

• Selecting the right regions

• An initial, targeted selection of homes that match your wishes

Through this approach, we create clarity, peace of mind, and direction — and achieve a high success rate.

Why viewings make the difference

Our experience shows that reality is often different from online listings. What looks perfect on paper can feel different in person. And conversely, it regularly happens that a home pleasantly surprises you.

That's why we organize extensive area and viewing tours. During these tours:

• we show multiple properties

• we explore different areas

• and you get a realistic picture of the possibilities

This way, you discover what truly suits you.

Good budget planning is crucial

A realistic budget significantly increases the chances of success. Financing in Spain works differently than in the Netherlands and is often stricter. Incorrect or incomplete information can lead to delays or additional costs.

That's why we offer a free financial check. With this you get:

• Insight into your possibilities

• An initial indication of your budget

• Clarity before you enter the market

Additional costs

In addition to the agreed purchase price, you should account for the so-called buyer's costs.

New construction

When purchasing a new home in Andalusia, you should budget approximately 13.2% in additional costs on top of the purchase price. These costs are structured as follows:

• IVA (VAT) – 10% — Spanish VAT on new construction. Always check whether this is already included in the asking price.

• AJD (stamp duty) – 1.2% — A tax on the notarial registration of the purchase deed. Andalusia has a favorable permanent rate of 1.2%.

• Notary costs – approx. 0.5% — The notary signs and officially registers your purchase deed.

• Registration costs – approx. 0.3% — Registration of your property in the land registry.

• Legal costs (lawyer) – 1.2% — The lawyer guides you from reservation to transfer. Additionally, there are a number of fixed additional costs: file fees (€200), NIE number application including tax (€312.34), preparation of power of attorney (€200), setting up contracts & automatic payments (€425), and bank check costs on the day of deed (€200).

• Mortgage costs – approx. 1% (optional) — When taking out a Spanish mortgage, there are approximately 1% additional costs. You pay half at reservation, the rest when signing the deed.

In total, you should budget approximately 13.2% excluding mortgage, or 14.2% including mortgage.

Existing properties

When purchasing an existing home in Andalusia, additional costs are lower: approximately 9%. The breakdown is as follows:

• ITP (transfer tax) – 7% — Instead of VAT, you pay transfer tax on existing properties. Andalusia's rate of 7% is lower than in many other Spanish regions.

• Notary costs – approx. 0.5% — The notary signs and registers the purchase deed.

• Registration costs – approx. 0.3% — Registration of your property in the land registry.

• Legal costs (lawyer) – 1.2% — Complete guidance through the purchase process. Fixed additional costs also apply here: file fees (€200), NIE number application including tax (€312.34), preparation of power of attorney (€200), setting up contracts & automatic payments (€425), and bank check costs on the day of deed (€200).

• Mortgage costs – approx. 1% (optional) — With financing through a Spanish mortgage, you should budget approximately 1% extra. You pay half at reservation, the rest at signing.

In total, you should budget approximately 9% excluding mortgage, or 10% including mortgage.

Full-service guidance from A to Z

We are a Dutch-speaking full-service real estate agency, located on the New Golden Mile between Marbella and Estepona. We handle everything for you: purchase, financing, furnishing, permits, and rental management. Including complete aftercare after the key transfer.

You have one point of contact. We take care of the rest.