A clearer path
to your new home.

Start with your life, then your shortlist

Choose the areas and features that will make the home work for you. Consider everyday access, outside space, parking and the way you will use the property throughout the year. Share your budget and timing with us so we can organise a useful shortlist.

Plan the full budget

Allow for purchase-related costs as well as the asking price. Ask your independent adviser for a written breakdown of the taxes and professional costs that apply to your particular purchase. If you need a mortgage, discuss your position with a lender before making commitments.

Use viewings to ask practical questions

Look closely at condition, orientation, access and what is included in the sale. Ask about community charges, planned works and how the property is occupied. Arrange an independent technical assessment where you need more certainty about the building or its condition.

Have the property and paperwork checked

The Spanish Government recommends checking a property’s legal status, ownership and charges before purchase. A recent Land Registry report, known as a nota simple, forms part of that work. Ask your independent lawyer to review the title, relevant permissions and any issues affecting your intended use.

Understand the offer and any deposit agreement

Have the proposed price, included items, conditions and timetable recorded clearly. The Spanish notaries’ guidance recommends seeking advice before signing documents or paying money, including a deposit. Make sure your lawyer explains the particular contract and the consequences of withdrawing.

Prepare for completion and the practical handover

Your lawyer, lender and notary can explain the documents, funds and arrangements required for your purchase. Agree the handover details, keys and included items. Ask your adviser to confirm the steps after signing, including the relevant tax and registration arrangements.

Considering a new development?

Ask for the specification, payment schedule, proposed completion date and what is included in the price. Your lawyer should review the developer and land details, relevant permissions and the arrangements that apply to any payments before you commit.

Keep useful questions in one place.

• What is included in the agreed price?
• What costs will apply to this particular purchase?
• Are there community works or charges to consider?
• Has my lawyer reviewed the property and contract?
• Does the agreed timing work with my funding?
• What needs to happen before and after handover?

Official information to read alongside your advice

The following primary sources explain the registry and notarial process. Your advisers can explain how these apply to the property you choose.

• Spanish Government: buying real estate, notaries and property registers
• Consejo General del Notariado: houses and real estate properties