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Buying in Spain · 02
Costs & taxes explained for buyers in Spain
Every tax, fee and annual charge of buying and owning property in Spain, explained with 2026 rates, worked examples and the questions to ask before you commit.
A look inside
Inside the explanation guide
- The full cost picture
- Transfer tax (ITP) on resale homes
- VAT and stamp duty on new builds
- The cadastral reference value
- Notary, land registry and administration
- Lawyer and tax adviser fees
- Survey and technical costs
- Mortgage costs for the buyer
- Currency and international transfers
- When the money is needed
- The seller's taxes, and why they matter to you
- Local taxes and running costs
- Renovation, furnishing and licences
- Annual taxes on your Spanish property
- Thinking ahead: the costs of selling
- Three complete worked examples
- Ten legitimate ways to save money
- Glossary of Spanish terms and FAQ
Inside the checklist & workbook
The budget guide for international buyers: every tax, purchase cost and annual charge, with current 2026 rates and worked examples.
- Start with the full cost picture
- Transfer tax (ITP)
- VAT (IVA) and AJD on new builds
- New build of €500,000
- The cadastral reference value
- Notary, land registry and administration
- Independent lawyer and tax advice
- Survey, technical checks and certificates
- Mortgage costs for the buyer
- Exchange rates and safe transfers
- When the money is needed
- Community fees, IBI and local taxes
- Furnishing, renovation and licences
- The annual cost of ownership
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All 10 explanation guides
More than 400 pages explaining the whole journey of buying a home in Spain.
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