Is the Costa del Sol a good place to live year-round or only for holidays?
The Costa del Sol is ideal for both holidays and year-round living. It offers good healthcare, international schools, modern infrastructure, a safe environment and a warm climate, making it popular with families and international residents.
Can you arrange a property viewing trip to the Costa del Sol?
Yes. We can arrange a personalised Costa del Sol property viewing trip, including airport or hotel collection, project visits and meetings with developers. Our local partner Tomáš Morávek and his team are based in Fuengirola and provide expert local guidance, access to current pricing and floorplans and support throughout the buying process.
Can I arrange a private consultation after the property presentation?
Yes. After the presentation, you can book a private online or in-person consultation with one of our real estate advisers. The consultation is tailored to your needs, including location, property type, budget, financing and rental potential, with no pressure to proceed.
How does the live chat work during the property presentation?
The live chat is available throughout the property presentation, so you can ask questions at any time. Our advisers respond in real time and can provide guidance on locations, budgets, financing and property options. More detailed questions can be discussed during a private follow-up consultation.
Can I ask questions during the property presentation and receive personalised answers?
Yes. During the property presentation, you can ask questions through the live chat and receive personalised answers from our advisers. We can discuss locations, financing, rental potential and suitable property options in real time.
Will the private property consultation explain how to manage short-term rentals safely in Spain?
Yes. During the private consultation, one of our real estate advisers will explain how short-term rentals work on the Costa del Sol, including local regulations, tourist registration and homeowners’ association rules. You will also receive guidance on suitable locations, developments and potential rental restrictions before buying.
How much money do I need upfront to buy property in Spain?
Foreign buyers typically need around 30–40% of the property price to cover the deposit, taxes and purchase costs. In some cases, Spanish mortgage finance can be combined with borrowing in your home country to reduce the upfront capital required. Our private property consultation will help you explore suitable financing options based on your circumstances.
Can foreign buyers get a mortgage to buy property in Spain?
Yes. Non-resident foreign buyers can apply for a mortgage in Spain, with some banks offering financing of up to 70% of the property value. For certain new developments, buyers may also be able to take over part of the developer’s existing mortgage through subrogation, subject to bank approval. Our private property consultation can help you compare the available financing options and prepare for the application process.
Can your consultants help me find the best-value property on the Costa del Sol?
Yes. During a private property consultation, our advisers will help you compare locations, developments, sales phases and available units. We can also identify where negotiation may be possible and help you balance price, quality, security and long-term potential.
What are the main risks of buying property in Spain and how can buyers avoid them?
Common risks include incomplete legal checks, hidden costs, rental restrictions, unreliable developers and choosing the wrong location or property. During a private property consultation, our advisers can help you assess the development, developer, local regulations and long-term costs before you make a commitment.
Is it safe for foreign buyers to purchase property in Spain?
Yes. Foreign buyers can purchase property safely in Spain when independent legal due diligence is completed. A lawyer should verify the property, contracts and guarantees before payment, while a notary oversees the formal completion of the sale.
Is the information in the property presentation based on current Costa del Sol market conditions?
Yes. The property presentation is based on current Costa del Sol market conditions, including pricing, new development availability, buyer demand and developer activity. You can also ask questions during the live chat or arrange a private consultation for advice tailored to your situation.
Who will lead the property presentation and what experience do they have?
The property presentation is led by Petr Hušek, an experienced finance and real estate professional specialising in the Costa del Sol. With over 20 years of industry experience, he shares practical insights from real property transactions, developer negotiations and international buyer support.
What makes this Costa del Sol property presentation different?
This Costa del Sol property presentation focuses on practical market insight rather than simply promoting listings. It explains how to compare developments, identify potential risks and understand which opportunities offer genuine value. The aim is to help buyers make informed decisions with a clearer view of the market.
Who is the property presentation for and is it suitable for first-time buyers?
The property presentation is suitable for both first-time and experienced buyers. It explains the buying process clearly and covers current market conditions, project comparisons, timing and potential risks to help you decide on your next steps.
What will I learn during the 45-minute Costa del Sol property presentation?
During the 45-minute property presentation, you will learn how the market works, which areas and property types may suit your goals and what to consider before buying. We also cover financing, foreign-buyer mortgages, rental potential and legal checks, helping you understand your next steps without pressure.
Why is now the right time to watch the Costa del Sol property presentation?
The Costa del Sol property market moves quickly and attractive opportunities may sell before reaching public listings. Watching the presentation early can help you understand current market conditions, avoid costly mistakes and make better-informed buying decisions.
Is the Costa del Sol a safe place to live and buy property?
Yes. The Costa del Sol is a well-established destination for international residents and foreign property buyers. It offers mature residential areas, strong infrastructure, extensive healthcare services, international schools and amenities that operate throughout the year. However, safety and suitability vary between towns and neighbourhoods, so each location should be assessed individually. Safety and everyday life Spain compares favourably with many OECD countries in measures such as homicide rates. The Costa del Sol includes numerous established residential communities popular with families, retirees and international residents. As with any destination, buyers should consider the precise neighbourhood, local security, transport connections and[...]
Can foreign buyers finance a property purchase in Spain with a mortgage?
Yes. Foreign and non-resident buyers can finance a property purchase in Spain with a Spanish mortgage. Some banks offer financing of up to 70% of the property value, although the amount available depends on the lower of the purchase price or bank valuation, as well as your income, existing debts, assets and credit profile. Buyers must normally cover the remaining balance plus taxes and purchasing costs from their own funds. 🏦 What types of Spanish mortgages are available? Spanish banks offer fixed-rate, variable-rate and mixed mortgages. Variable mortgages are commonly linked to Euribor plus a lender’s margin, while mixed[...]
What VAT and property transfer taxes apply when buying property in Andalusia?
When buying property in Andalusia, the taxes depend primarily on whether you are purchasing a new-build or resale property. Taxes on a new-build property Buyers purchasing a new-build home directly from a developer generally pay: 10% VAT (IVA) 1.2% Stamp Duty (AJD) These taxes are normally calculated on the purchase price. If you use a Spanish mortgage, the bank pays the taxes and formalisation costs associated with the mortgage deed. However, the buyer still normally pays the 1.2% AJD relating to the new-build purchase deed. Taxes on a resale property For a resale property purchased from a private owner,[...]
Why do foreign buyers need an NIE to purchase property in Spain?
An NIE (Número de Identidad de Extranjero) is a personal tax identification number for foreign nationals and serves as the essential administrative key for official procedures in Spain. As soon as a foreign national has an economic or legal interest in Spain, an NIE becomes essential. It is a unique, personal and permanent number that remains with you throughout your life, regardless of whether you stay in Spain temporarily or permanently. When is an NIE required? An NIE is required for practically every significant transaction, particularly when you: Buy or sell property Sign a reservation or purchase agreement Apply[...]
What currency is used when buying property in Spain?
Property purchases in Spain are normally priced and completed in euros. The purchase price, taxes, notary costs and Land Registry fees must therefore be budgeted and settled in euros. International buyers can still use funds held in British pounds, US dollars or another home currency. These funds must be converted into euros before the relevant payments are made. How can buyers reduce currency-conversion costs? Exchange rates and provider fees can make a significant difference when transferring a large amount for a Spanish property purchase. Buyers should compare: The exchange rate offered Any transfer or conversion fees The final number[...]
How are buyers’ payments protected when purchasing property in Spain?
Protecting buyers’ funds is one of the most strictly regulated aspects of purchasing property in Spain, particularly when buying a new-build property. The system is designed to minimise the buyer’s risk and prevent the misuse of their money. ⚖️ Legal protection for new-build payments The protection of buyers’ funds is established under Spanish legislation, particularly Law 38/1999, the Building Regulations Act (Ley de Ordenación de la Edificación or LOE) and related regulations. This legal framework requires developers to: Deposit all buyers’ payments, including reservation deposits and staged purchase payments, into special separate bank accounts Protect each payment through a[...]
What is the quality of food, shopping and everyday services on the Costa del Sol?
Yes. The excellent quality of life is one of the main reasons international buyers choose to live on the Costa del Sol. The region combines fresh food, modern infrastructure, excellent healthcare and a wide range of lifestyle amenities, all within a warm Mediterranean climate. 🥑 Fresh food and international shopping Thanks to the region’s climate and agricultural tradition, fresh fruit and vegetables are widely available throughout the year. Local markets, fishmongers and supermarkets offer a broad selection of fresh produce, seafood and regional specialities. International residents are also well catered for, with major supermarkets and specialist shops offering products[...]
