Financial

I am glad when clients ask me, "What are the fees for buying property in Spain?" First, it shows that you are a serious buyer, and second, it makes my job much easier when transitioning from different topics, such as legal, technical, and financial. We will briefly discuss what you must pay and the available options. However, we have a complete guide on all property taxes on the Costa del Sol,...

The Spanish real estate market continues to show strong momentum in 2026, and this is particularly evident in Andalusia. Recent data from the INE (National Institute of Statistics), Idealista and mortgage statistics all indicate stable demand, rising prices and a market driven by genuine buyers rather than speculation. Spain is short of 800,000 housing units, mortgage rates are relatively low, and the...

Although selling a property on the Costa del Sol is not complicated, doing it well can significantly impact both the price and speed of sale. Many owners underestimate the importance of preparation and the time needed to communicate with buyers. I would say that 80% of offers made over the phone or via online listings are not serious. So, are you ready to answer the phone 100 times this week? For...

Investing in Spanish real estate is a popular way to combine lifestyle with financial return. The key is to keep things simple and focus on the fundamentals. Last year, rising prices outstripped inflation by a factor of five: officially, we had 2.7% inflation, while real estate prices in cities such as Fuengirola, Mijas and Benalmádena rose by 16%. At the same time, you can expect an average ROI of...

A few weeks ago, I had an interesting conversation with an elderly German woman who was viewing properties on the Costa del Sol. She told me: 'I checked the prices two years ago. Don't offer me overpriced properties.' The truth is that property prices in many parts of Spain have changed significantly over the past two years. In some cities on the Costa del Sol, such as Fuengirola, prices have risen by...

If you are researching non-resident property tax in Spain, you may initially feel confused. I often see this with clients. The term itself is misleading. In reality, there is no separate 'property tax' for non-residents. Instead, there is an annual income tax levied on property ownership in Spain. Let me explain in simple, practical terms. What Is the Non-Resident Income Tax in Spain? Let's start...

Whether you are planning a holiday home, retirement residence or long-term investment, buying property on the Costa del Sol is an exciting step. However, many international buyers are taken aback by the additional purchase costs. When buying property in Spain, you will incur additional costs such as taxes, legal fees and notary expenses. Based on my experience of helping buyers in Benalmádena, I...

Many international buyers ask if they can leverage a purchase by taking out a mortgage. 'Can foreigners get a mortgage in Spain?' The short answer is yes. Spanish banks regularly offer mortgages to international buyers, including non-residents, provided certain financial requirements are met. I have been living on the Costa del Sol for over nine years, raising two children here and helping...

Spain has many attractive locations for real estate investment, but the Costa del Sol is one of the most stable and in-demand markets internationally. If you want to get an overview of all the Spanish regions, here's an article you can check out. Remember that there are different types of investment, which depend on your strategy, lifestyle and budget. Here, you can invest in short-term rentals,...