Buying Property in Spain
A complete path from first search to keys in hand
Foreigners can buy property in Spain with no restriction on nationality or residency status — but the process runs through several distinct stages, each with its own paperwork, cost and timeline. This guide walks through what actually happens, in order.
Five sections below cover everything a first-time foreign buyer needs to understand: the buying process itself, what it really costs, how financing works for non-residents, the legal steps involved, and what changes if you’re buying from the UK or Ireland specifically.
From first offer to holding the keys
What actually happens between finding a property and completing the purchase, and who is eligible to buy in the first place.
What it really costs
The purchase price is only part of the budget — taxes, notary fees and registration add a fixed percentage on top, and a few costs catch first-time buyers by surprise.
Financing as a non-resident
What Spanish banks expect from a foreign borrower, how much deposit to plan for, and whether a local bank account is required before you can buy.
The paperwork that makes it official
The identification, contracts and professional advice that make a purchase legally valid in Spain — and where buyers most often need a specialist.
Notes for UK & Irish buyers
What changes — and what doesn’t — depending on which country you’re buying from, including how Brexit affects the process today.