How to buy an apartment on the Costa del Sol.
Long-form, sourced, dated guides for foreign buyers. We update them as Spanish law and Andalucía-specific rules change — there's a date stamp on every page and a public changelog at the bottom of each.
Buying an apartment on the Costa del Sol — the 2026 guide
The full process for foreign buyers — NIE, lawyer, bank, taxes, timelines, closing costs. The master pillar.
What it really costs to own an apartment in Spain
Annual costs — IBI, comunidad, basura, insurance, utilities, non-resident income tax (Modelo 210). With a worked example.
Mortgages for foreign buyers in Spain
LTV caps for non-residents, banks worth approaching, documentation, the 2019 mortgage law, when UK/Dutch equity release is the better answer.
NIE number for foreign property buyers
Three application routes (in Spain, abroad, power of attorney), the EX-15 form, realistic timelines, costs, common pitfalls.
These guides cover Spanish national law and Andalucía-specific tax rules as we understand them at the date stamp on each article. They are general information, not legal or tax advice. The detail changes; always confirm specifics with a qualified Spanish abogado (lawyer) and asesor fiscal (tax advisor) before acting. If you spot something out of date, email the team — we credit corrections in the changelog.