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Legal & Financial Advice
Legal & Financial Advice
Luxury Real Estate
Luxury Real Estate
Legal and financial matters, well coordinated
Buying or selling in Spain involves lawyers, notaries, tax offices and banks. We make sure you have the right independent specialists and that everything happens on time.
Independent lawyers
Your interests come first
We introduce independent, English-speaking lawyers who work only for you. They check the land registry, licences, debts and contracts, draft or review the arras contract and accompany you at the notary.
Lawyers usually charge around 1% of the price plus VAT; the exact fee is agreed in advance between you and the lawyer.
NIE, bank and taxes
The paperwork, step by step
You need an NIE and a Spanish bank account to buy. Your lawyer or gestor can apply for them, also with a power of attorney if you are not in Spain. After the purchase they pay the taxes, register the deed and set up direct debits for IBI and utilities.
- NIE – foreigner identification number, needed to buy
- Taxes on purchase – 9% ITP on resale homes, or 10% VAT plus 1.4% AJD on new builds
- Annual tax – non-resident income tax (form 210) if you do not live in Spain
- Selling – capital gains tax, plusvalía and 3% withholding for non-residents
Mortgages
Financing in Spain
Spanish banks usually lend non-residents up to 60–70% of the value and residents up to about 80%. We introduce independent mortgage brokers who compare banks and arrange the valuation, so that your financing is in place before the contract deadlines.
How it works
How we coordinate
- Introduction to your own lawyer and gestor
- NIE and bank account arranged
- Legal checks before you sign
- Mortgage via an independent broker
- Notary appointment and payments
- Taxes, registration and direct debits after completion
Why Enjoy Houses Spain
Questions about the legal side?
Contact us and we will introduce you to the right independent specialist for your situation.
- Independent, English-speaking lawyers
- Gestores for taxes and paperwork
- Mortgage brokers for non-residents
- Clear coordination of every step
Photos: Vicenç Salvador Torres Guerola (CC BY-SA 4.0) · Diego Delso (CC BY-SA 4.0) · Diego Delso (CC BY-SA 4.0)
