🏠 Guide to buying a home in Spain as a non-resident
Taxes, costs and key steps. Plus the tool that maximises your outcome: our Due Diligence Report + Valuation (ideal to buy, sell or price).
Why so affordable? Is it reliable?
We use technology for cadastral checks and market comparables, cutting operating costs. Human review focuses on critical risks. High report volume = competitive pricing. Professional service with proven expertise in IRNR taxation for non-residents.
Quick path: NIE → Bank account → Viewings → Deposit 5–10% → Due diligence → Notary → Taxes → Land Registry.
💰 Taxes on purchase
Resale property
| Tax | Rate | Payer |
|---|---|---|
| ITP (Transfer Tax) | 6%–10% (Madrid: 6%) | Buyer |
| Plusvalía (IIVTNU) (Land Value Tax) | By local rules | Seller (negotiable) |
| 3% withholding (Form 211) | 3% of price | Buyer (if seller is non-resident) |
New-build
| Tax | Rate | Payer |
|---|---|---|
| VAT | 10% dwelling (≤2 parking + 1 storage) / 21% others | Buyer |
| AJD (Stamp Duty) | 0.5%–1.5% (Madrid ~0.75%) | Buyer |
| Plusvalía | By local rules | Seller (negotiable) |
🏦 Mortgage (non-resident)
- Loan-to-value: 60–70% of the lower of appraisal vs. price.
- 2025 rates: 3%–5% variable. Mortgage AJD: paid by bank. Appraisal: client.
📅 After purchase (IRNR 210/211)
- Imputed income (not rented): 1 Jan – 31 Dec of the following year.
- Rentals: quarterly filing 1–20 Apr/Jul/Oct/Jan or annual option in certain cases.
- Sale: buyer pays 3% (Form 211) within 1 month; seller files 210 within 3 months after the 211 deadline.
💡 Turn this guide into money saved
Before signing or pricing, order the Due Diligence Report + Valuation:
- Buyers: avoid risks, spot overpricing, negotiate with comparables.
- Sellers: set a realistic price to sell faster and better.
- Non-residents: IRNR projection (annual and sale) with 210/211.
Ready to buy or sell with data?
Order the Due Diligence Report + Valuation and download the guide in PDF.
Frequently asked questions (FAQ)
Can I buy without my NIE yet?
Yes, you can sign a deposit and move forward, but you will need the NIE before the notary. We indicate fast tracks and alternatives.
How much should I pay as a deposit?
Typically 5–10%. We recommend clear clauses on financing, encumbrances and deadlines to avoid losses.
Which taxes do I pay as a non-resident?
On purchase: ITP/VAT + AJD depending on the case. After purchase: IRNR for imputed income or rentals and, on sale, 210/211.
How long does your report take?
Usual delivery within 24–72h depending on complexity. <24h option available.
How does the report help me negotiate?
We give you objective arguments (real purchase costs, comparables, detected risks and pending works) to lower the price or improve terms (timings, repairs, withholdings).
What exactly do you check in the report?
- Total cost of purchase (taxes, notary/registry, agency) and recurring expenses.
- Document risks (encumbrances, land-registry/cadastre discrepancies, existing tenancies, community/IBI).
- Tax scenarios as a non-resident (imputation, rentals and future sale).
- Checklist of useful clauses for deposit/contract and points to verify before the notary.
What if we detect red flags?
We deliver a traffic-light summary (low/medium/high) with concrete actions to mitigate: documents to request, clause adjustments, withholdings to the seller or, if advisable, to postpone or discard the deal.
What’s the next step after receiving the report?
Resolution in 24–72h depending on complexity. We include clarifications via email/WhatsApp to prepare your negotiation or review key clauses.