Real Estate & Living Costa del Sol

Expect approximately 10–13% in additional costs on top of the purchase price: property transfer tax or VAT, notary fees, registration, and legal assistance. We provide a clear overview in advance.

After selecting a property, a reservation is made followed by the purchase contract with a deposit. The purchase is finalized at the notary. We guide you through every step.

Yes, non-residents can also apply for a Spanish mortgage, typically up to 60–70% of the appraisal value. We are happy to put you in touch with reliable financial partners.

Certainly. A buyer's agent knows the local market, saves you from unnecessary viewings and pitfalls, and guides the negotiation and legal process.

We discuss the costs in advance, without obligation and transparently. They depend on your property and the agreements made; during the introductory meeting you will receive a personal proposal.

Based on an analysis of comparable properties in your area, the condition of your home and current demand. In this way we advise a realistic and strategic price.

That depends on the property, the price and the market. Following the sales agreement comes the transfer at the notary; we discuss a realistic timeline in advance.

Yes. We combine local market knowledge with an international network and present your property to buyers from various countries.

The deposit varies per new development and depends on the stage of construction of the property. Typically, you first pay a reservation fee, followed by a deposit upon signing the purchase contract. For properties under construction, interim payments may also be agreed upon. The complete payment schedule is contractually established in advance.

The construction time depends on the project, the scale of the development and the current construction phase. For many new build projects, the construction process takes approximately 18 to 30 months, although this can vary per project. The scheduled completion date and any applicable conditions are included in the purchase agreement.

Yes, even if you do not reside in Spain, you can purchase a property without any issues. Among other things, you will need a Spanish tax identification number (NIE) for this. In addition, there are several administrative and financial matters to take into account. Living SoLuxe guides you through the purchasing process and helps you gain insight into the various steps.

When purchasing a new build property from a developer, you generally pay 10% IVA (VAT). In Andalusia, an additional 1.2% AJD (stamp duty) also applies. You must also account for notary and registration fees, as well as any legal assistance fees. The total additional costs depend on the purchase and the chosen financing. We recommend mapping these out carefully in advance.

Yes, even if you live outside Spain, you can apply for a mortgage with a Spanish bank. The bank assesses your income, financial obligations, creditworthiness and the value of the property, among other factors. The financing options and conditions vary depending on the bank and your personal situation. It is wise to have your financial options assessed in advance, so you can search for a suitable new build property with confidence.

Following a no-obligation introductory meeting, we discuss your requirements and personally guide you through the entire process, from orientation up to and including completion.

The costs depend on your requirements and the agreements we make. We always discuss them with you in advance, transparently and without obligation.

Our portfolio and expertise are focused on the Costa del Sol. If you have requirements for another region, please contact us so we can explore the possibilities.

Via the contact form on our website, by email, by phone, or via WhatsApp. We will respond as quickly as possible.

Certainly. Get in touch with us and we will arrange a consultation at your home, at our office, or online.