by Denisa Fussiova 
Discover how to buy property in Spain as a foreigner. Learn about NIE, taxes, legal steps, and how Deni Casa helps you make it easy in Costa del Sol & Campo de Gibraltar.
Buying property in Spain is an exciting decision, especially in sunny regions like Costa del Sol and Campo de Gibraltar. These areas offer a relaxed Mediterranean lifestyle, excellent weather all year round, and great potential for rental income or long-term investment. But if you’re a non-resident, the process can seem confusing at first. That’s where Deni Casa Real Estate comes in — to guide you every step of the way.
Step 1: Get Your NIE (Foreigner ID Number)
The NIE (“Número de Identidad de Extranjero”) is required for any property transaction in Spain. It’s a personal identification number used for all legal and tax purposes. Without it, you can’t purchase a property, open a bank account, or set up utilities.
Tip: Deni Casa can help you apply for your NIE either in Spain or at your nearest Spanish consulate abroad.
Step 2: Open a Spanish Bank Account
You’ll need a local bank account to pay taxes, utilities, and make your property payments. Most banks require a valid NIE, passport, proof of income, and a deposit. We help our clients with appointments and paperwork at banks that are foreign-buyer friendly.
Step 3: Define Your Budget
Spanish banks typically offer mortgages to foreigners covering 50-70% of the property price. Knowing your available budget in advance helps narrow your search. Don’t forget to account for closing costs (approx. 10-15% of the purchase price).
Step 4: Choose the Right Location
We focus on La Línea de la Concepcion, Alcaidesa, San Roque, Sotogrande and Manilva where buyers can find properties near beaches, golf courses, and Gibraltar. Whether you’re looking for a modern apartment, a golf-side townhouse, or a family villa, our portfolio is constantly updated.
Step 5: Hire a Local Lawyer
Although not mandatory, we highly recommend using a trusted lawyer to perform due diligence, check legal titles, and ensure a secure transaction. We work closely with reputable English-speaking lawyers.
Step 6: Understand All Costs Involved
Beyond the purchase price, consider the following:
- Transfer tax (ITP) or VAT (IVA)
- Notary fees
- Land registry fees
- Legal fees
- Bank and mortgage charges
- Annual property tax (IBI), rubbish collection fees, and community charges
We provide all cost breakdowns to avoid surprises later.
Step 7: Final Steps
Once the lawyer completes due diligence, you’ll sign a private purchase contract and pay a deposit. Later, the public deed is signed at a notary office and your name is officially registered as the new owner.
Why Work with Deni Casa?
- Multilingual support
- Local market expertise
- Transparent advice
- Full assistance with paperwork and viewings
Let us make your dream of owning a home in Spain a stress-free reality. Contact Deni Casa to start your journey today!
