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For foreign buyers · Costa Blanca since 1988
Buying a house in Spain as a foreigner step by step
We guide you through the whole process: NIE, financing, taxes and signing at the notary, in Spanish, English, French and Russian.
You do not need to be a resident
We help you get your NIE
English-speaking team
1988
Operating on the Costa Blanca
0
Properties sold
0
Active properties in our portfolio
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Countries our buyers come from
Foreign buyer process
How a foreigner buys a property in Spain, step by step
Every year, thousands of foreigners buy a home on the Costa Blanca without being residents of Spain. You do not need Spanish nationality or to live here: with an NIE, the right paperwork and proper guidance, the process is perfectly accessible. Bennecke has helped buyers from over 10 countries find their home and complete the purchase safely, legally and tax-wise, since 1988.
Get your NIE
The Foreigner Identification Number (NIE) is mandatory to buy in Spain. We explain how to apply for it from your home country or once you are in Spain.
Financing (if you need it)
If you are not paying in cash, we advise you on non-resident mortgages: Spanish banks typically lend up to 60-70% of the appraised value.
Reservation, deposit contract and signing
We arrange the reservation, the deposit contract (arras) and coordinate the signing at the notary; if you cannot travel, you can sign via a power of attorney.
Taxes & costs
Taxes and costs when buying a property in Spain
These are the main figures to budget for on top of the purchase price. We give you an exact, personalised breakdown before you make any offer.
Property Transfer Tax (ITP): for resale homes in the Valencian Community, 10% of the purchase price.
VAT + stamp duty on new-build: 10% VAT plus 1.5% stamp duty (AJD) on the price, instead of ITP.
Notary, land registry and gestoría: around an extra 1-1.5% of the price, depending on the property value and whether there is a mortgage.
NIE and opening a bank account: applying for the NIE itself is free (via an appointment at a consulate or police station); a Spanish account makes payments and direct debits easier.
Indicative summary; the exact amount depends on each transaction. We give you a personalised, no-obligation breakdown.
Why foreign buyers choose Bennecke
Why foreign buyers choose Bennecke
1988Helping foreign buyers for over 35 years
Service in your language
We assist you in Spanish, English, French and Russian throughout the whole process, with no need for translations.
NIE and financing support
We guide you on the NIE, opening a bank account and non-resident mortgages from the very first contact.
Legal and tax security
We work with trusted lawyers and gestorías so your purchase is free of hidden charges and tax surprises.
You can buy remotely
If you cannot travel for every step, you can sign via a power of attorney granted in your home country or at a Spanish consulate.
We sell across the Costa Blanca
We sell across the Costa Blanca
Torrevieja
Punta Prima
Orihuela Costa
La Zenia
Alicante
FAQ
Buying as a foreigner: frequently asked questions
Do I need to be a resident of Spain to buy a property?
No. Any foreigner, resident or not, can buy a property in Spain. You just need an NIE and, if you are financing the purchase, a Spanish bank account.
What is the NIE and how do I get one?
The NIE (Foreigner Identification Number) is mandatory for any significant financial transaction in Spain, including buying property. You can apply at a Spanish consulate in your home country or, once in Spain, at a police station or foreigners' office with a prior appointment. We help you with the process.
Can I get a mortgage in Spain without being a resident?
Yes. Spanish banks offer mortgages to non-residents, usually up to 60-70% of the appraised value, with somewhat stricter conditions than for residents. We advise you on which lenders work best with foreign buyers.
What taxes do I pay when buying a property in Spain?
For resale homes, ITP in the Valencian Community is 10% of the price. For new-build, 10% VAT plus 1.5% stamp duty. On top of that, you also need to budget for notary, land registry and gestoría fees, around an extra 1-1.5%.
Can I buy without travelling to Spain?
Yes. You can grant a power of attorney to a trusted lawyer or representative, in your home country or at a Spanish consulate, so they can sign on your behalf at the notary.
