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What to Expect from the Spanish Property Process

Property Buying Tips Series — Practical Advice for International Buyers in Spain

Buying a property in Spain is a rewarding opportunity, whether you’re looking for a holiday home, planning a permanent move, or seeking a smart investment. However, for many international buyers, the process can be unfamiliar and, at times, a little daunting. Understanding what to expect at each stage can help you make informed, confident decisions—and avoid any unnecessary surprises.

Here’s a practical guide to help you navigate the property purchase process in Spain.

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1. Define Your Priorities

Before you start viewing properties, it’s essential to be clear about what you’re looking for. Is this a home for personal use, a rental investment, or both? Do you want to be near a golf course, international schools, or within walking distance of the beach? Clarifying these priorities early on helps narrow your search and allows your estate agent to provide more tailored recommendations.

Agents like Serneholt Estate, begin with a personal consultation to understand your lifestyle, budget, and long-term goals—ensuring that every viewing is relevant.

2. Understand Regional Differences

Spain’s property market varies significantly by region. Buying in Marbella or Estepona is a different experience to purchasing in places like Valencia or Mallorca. Factors such as pricing, community feel, and even legal procedures can differ. If possible, spend time exploring your chosen area to ensure it fits your needs and expectations.

With expert teams based across the Costa del Sol and Balearic Islands, Serneholt Estate offers invaluable local insight to help you choose the right location for your lifestyle.

3. Get Your Paperwork in Order

To buy property in Spain, you’ll need an NIE (Número de Identificación de Extranjero), a Spanish bank account, and ideally an independent lawyer to manage due diligence and contracts. If you're considering a mortgage, pre-approval is also recommended to streamline the process.

Working with a reputable estate agency can connect you with trusted professionals. Serneholt Estate has longstanding relationships with reliable, English-speaking legal and financial experts who will guide you through each step.

4. Viewing and Making an Offer

Once you've shortlisted suitable properties, your agent will arrange viewings. If you find the right property, the next step is to submit an offer—typically through your estate agent. Negotiation is common, and it helps to have an experienced professional advocating on your behalf.

5. Reservation and Private Contract

When your offer is accepted, you’ll sign a reservation agreement and usually pay a deposit of between €6,000 and €10,000 to take the property off the market. After legal checks are complete, you’ll move to the private purchase contract stage, which typically requires a further deposit (usually 10% of the purchase price).

Having a dedicated agent ensures these steps run smoothly. Serneholt Estate, stay in close contact with both buyer and seller to ensure clear communication and a secure transaction.

6. Completion at the Notary

The final step is signing the title deed (escritura) at the notary’s office and transferring the balance of the payment. Once this is done, you’re officially the property’s new owner. Your lawyer and estate agent will also assist with registering the property and transferring utility accounts into your name.

In Summary

Buying property in Spain involves several key steps, but with the right guidance, it can be a straightforward and enjoyable experience. Choosing a service-led, experienced estate agency can make all the difference.

At Serneholt Estate, they pride themselves on offering personalised, professional support from the first enquiry to the final signature—ensuring your Spanish property purchase is smooth, secure, and stress-free.