About Costa del Sol
Regions, the Costa del Sol, Costa de la Luz, Málaga and the Serranía de Ronda.
Casasol Luxury Real Estate
The complete guide to buying a home in Costa del Sol
Considering buying a home in Spain? Our free, no-obligation guide walks you through the additional costs, the mortgage options for non-residents and the complete buying process in six clear chapters.
- 6 CHAPTERS
- FREE PDF
- UPDATED 2026
- NL & BE BUYERS
What will you learn in this guide?
Six clear chapters covering everything about buying a home in Costa del Sol — from the regions to the final signature at the notary.
Additional costs
Cost tables for new builds (~13%) and resale properties (~9%), with a worked example on € 500,000.
Mortgage options
Bank rules for non-residents and a concrete worked example.
The buying process
8 steps from first orientation to handover of the keys.
Checklist
Preparation, during the purchase and after the purchase.
Practical tips
Common mistakes and advice from our specialists.
70%
max. financing for non-residents
~9–13%
additional costs on top of the purchase price
25 years
max. mortgage term in Spain
300+
sunny days per year in Costa del Sol
Who is this guide for?
Holiday-home buyers
A place in the sun to enjoy yourself, close to the beach, golf and fine dining.
Investors & landlords
Returns on the Costa del Sol with insight into rentals, costs and financing.
Emigrants & expats
Living permanently in Costa del Sol — from residencia to the right home in the right region.
Buying a home in Costa del Sol — what you really need to know
For many Dutch and Belgian buyers, buying a home in Spain is a dream that is closer than they think. Yet the buying process differs fundamentally from the one in the Netherlands or Belgium. From the NIE application to the role of the Spanish notary and the additional costs: those who are well prepared buy with confidence. This guide lays it all out for you.
What are the additional costs when buying a home in Spain?
Count on roughly 9% for resale properties and ~13% for new builds on top of the purchase price. Think of transfer tax (ITP) or IVA and AJD, notary and lawyer fees, and registration in the land registry (Registro de la Propiedad). The guide contains full cost tables and a worked example on € 500,000.
How much can you borrow for a home in Spain?
Spanish banks typically finance non-residents up to 70% of the purchase price, with terms of up to 25 years. Your income, existing commitments and age determine the scope. Want to know straight away? Take our free mortgage scan.
How does the buying process work in Spain?
In eight steps we guide you from orientation and viewing, through the reservation contract (contrato de reserva) and the deposit, to the final deed at the notary and the handover of the keys. The guide describes every step.
Why choose Casasol Luxury Real Estate?
As a Dutch-speaking agency on the Costa del Sol, we combine local knowledge with personal guidance in your own language. From first orientation to after the purchase, we stand beside you — without obligation and fully transparent.
Need personal advice?
Schedule a no-obligation call with one of our specialists and discover what is possible for you in Costa del Sol.