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Jul 13, 2022 · Buyers love the fact it is within easy reach of Alicante, the beaches of Punta Prima and Playa Flamenca, and the shopping mall of La Zenia. Expect similar pricing, with plenty of good two-bedroom apartments for a budget of €80,000.
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Information on legal requirements and advice for British nationals buying or renting property in Spain.
This guide sets out essential information for British nationals wanting to buy property in Spain, including advice on legal advice, buying in certain areas, complaints and more. It should be read together with the ‘how to buy property abroad’ guide.
The Foreign, Commonwealth & Development Office (FCDO) is unable to provide any guidance on individual property purchases apart from the information and links listed below.
See our information on what consulates can and cannot do for British nationals.
See the video on buying property in Spain.
We strongly recommended that you choose an independent lawyer who specialises in Spanish land law (urbanismo). Independent means that they work on your behalf only and are not also looking after the interests of the agent or developer.
The Spanish property conveyancing system is different to the UK system so you should ensure that those involved in the transaction are qualified and experienced in Spain.
If you do not have a good understanding of Spanish, make sure that you get all contracts and documents translated by an independent translator.
You can find a list of accredited translators and interpreters in Spain on the Spanish Ministry for Foreign Affairs website.
Do your homework: you should analyse and compare different products and services offered by lending companies. If you have any doubts about the terms and conditions, ask the lender to explain.
You should also check with the Bank of Spain that the lender is authorised to operate in Spain
There are a range of mortgages on offer and you should pay special attention to the interest rate and repayment period, fees for setting up the mortgage as well as early repayment and cancellation fees.
If you cannot keep up the mortgage repayments, the Spanish bank could repossess your property in Spain. If the value of the property is less than the total debt outstanding (you are in negative equity), the bank may pursue your UK assets to recover the mortgage shortfall using a European Enforcement Order.
Make sure you fully understand the mortgage agreement you sign. If you have any doubts check with the branch during the 10 working-day period after the binding offer has been provided.
If for any reason you cannot keep up the mortgage repayments, you should speak to your bank immediately (before defaulting on repayments) to discuss the options available.
A NIE (Numero de Identidad de Extranjero), is a personal identification number required in order to carry out any fiscal transaction in Spain such as opening a bank account or buying property.
Foreign nationals are assigned a NIE number on registering as a resident in Spain at the Oficina de Extranjeros (immigration office) or designated police station, however property buyers from outside Spain can apply for a NIE at the Spanish embassy or consulate in the UK or through a representative.
Taxation is a complex issue, and taxes associated with buying, selling and renting property in Spain can vary widely from one region to the next, therefore it is advisable to seek the advice of an accountant or professional tax advisor.
The Spanish tax authority, the Agencia Tributaria provides some information on property and tax on its website in English.
If you believe your lawyer has been negligent and has not met their obligations, you should first complain to the provincial bar association (Ilustre Colegio Provincial de Abogados). If their response is unsatisfactory, you can take your complaint to the regional and then national bar associations.
Complaints should be in writing and in Spanish.
See a list of the bar associations around Spain on the General Council of Spanish Lawyers website.
If you have a complaint about the way a court has handled your case, contact the General Council of the Judiciary.
Aug 22, 2023 · Why buy a holiday home in Spain? Where to buy a holiday home in Spain; How to buy a holiday home in Spain ; Buying a holiday home in Spain: A Checklist; Buying a holiday home after Brexit ; Cost of owning a holiday home in Spain; Renting out your holiday home; Maintaining your holiday home in Spain
Apr 21, 2021 · Searching for a holiday home in Spain is easy thanks to our tips: first, find the ideal location, second find the ideal property thanks to our top criteria.
Aug 28, 2024 · Learn how to buy a holiday home in Spain: property types, best locations, and essential tips for non-resident buyers
Aug 17, 2023 · In this informative guide on where to buy a holiday home in Spain, we will provide you with valuable insights into the best regions to consider, the buying process, and the potential returns on your investment.
Jun 27, 2023 · Is it worth buying a holiday home in Spain? Top 5 best places to buy a holiday home in Spain; How to buy a holiday home in Spain; Buying a holiday home in Spain after Brexit; Cheapest coastal property locations in Spain
