What to expect when buying property in Marbella

Buying a home in Marbella involves more than choosing the right property. From legal checks and reservation contracts to timelines, deposits, and completion, each step plays a key role in protecting your investment. Below, we walk you through the process as it typically unfolds, so you know what to expect and when. If you prefer a complete overview, you can also explore the full guide at any time.

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Step 1: Plan like a pro

Set your budget—it’s the first step. Expect 12-14% in additional costs, covering taxes, notary fees, and legal expenses. Planning ahead ensures a smooth purchase with no surprises.

Foreign buyers need a NIE (Foreigner’s Identification Number) for property transactions, utilities, and insurance. This can be obtained in Spain or handled by your lawyer. Non-EU residents staying over 183 days per year must establish tax residency. Our team navigates every legal step, ensuring compliance and peace of mind.

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Step 3: Viewings & strategy

In Spain, property viewings are private, guided by a sales agent who provides insight beyond the property itself—helping you assess location, orientation, and overall investment potential.

To make the process seamless, we coordinate your viewings, refine your search, and align every option with your needs, budget, and lifestyle vision. When it’s time to make an offer, our strategic guidance helps you secure the best deal.

Step 4: Lock it in

Once an offer is accepted, a reservation contract is signed and a 1% deposit is placed to take the property off the market. If you withdraw, the fee is non-refundable unless specific conditions apply.

Your lawyer verifies the property’s legal status and, if financing is involved, an independent appraiser carries out a valuation. In general, within 7-14 days, a private contract is signed with a 10% payment of the purchase price, including the reservation deposit.

Step 5: Make it yours

At the final stage, both parties—or their legal representatives—must be present at the notary’s office to sign the title deed, officially transferring ownership and responsibility. Payment is completed and taxes are settled. The original deed and invoices are issued, and the keys are handed over—sealing the deal.

Welcome home. But we’re still here. Our aftersales team is ready whenever you need, ensuring a seamless transition into your new life in Marbella.

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