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Your next home
Your next home
on the Costa del Sol.
Swipe through villas, apartments and fincas from Estepona to Sotogrande — Property‑Match.es finds the ones worth a second look.
Swipe up — properties for sale
Listings
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How it works
As easy as a swipe.
Property‑Match.es turns the search into a feed — three steps to a viewing.
01
Swipe to shortlist
Right for maybe, left for next — build a shortlist from every new listing on the coast.
02
Match with the owner or agent
A mutual match opens a chat directly with whoever is selling or renting the place.
03
Book the viewing
Pick a slot, confirm in the app, and see it in person — no phone tag required.
Introduction
The best decision of your life
Buying a home is one of the most important decisions you will ever make. Now imagine buying a property in Spain… it will not only be one of the best decisions, it can also be truly life-changing. Your chance to live the much-coveted laid-back luxury lifestyle of sunshine, siestas and the Mediterranean Sea.
Purchasing property in Spain can be complicated to anyone unfamiliar with the process, yet as an Aventus Realty Marbella client you won't need to worry about it. We'll be with you every step of the way, working to make the experience as simple and hassle-free as possible.
We've put together this guide so that you understand the steps involved and will see that with the right professional help there is nothing to worry about. In fact, each step our professional real estate agents makes, will take you closer to owning your perfect Spanish home!
Steps
Buyer's journey
Find the right property
You view with your head and buy with your heart! At Aventus Realty Marbella, we know that buying a property involves much more than ticking boxes and sticking to budgets. We know that you will have a list of requirements, yet it is our job to understand what type of property and which areas could suit your family's needs.
Once you make contact with Aventus Realty, you will have your own personal real estate agent who is familiar with every area on the Costa del Sol, the types of properties available and up to the minute information about prices and amenities within every region. To ensure you have the widest selection of properties to view, we offer you access to exclusive listings available only to Aventus Realty and also properties listed by collaborating agents.
Viewing propertyYour personal real estate agent will arrange and accompany you on all property viewings. This gives you the chance to ask any questions about the property and the area and weigh up the pros and cons of each. It's also an opportunity for your agent to really get to know what makes you tick… and to read between the lines.
Finance
Finance: Spanish mortgages
It is recommended that you not only know the size of your budget but also have your finance in place before you start looking for property. This will allow you to target the properties and areas within your price range, to save yourself unnecessary time viewing unsuitable properties and locations.
If you are considering applying for a mortgage from a Spanish bank, the Loan to Value (LTV) will differ depending upon whether you are a resident or non-resident in Spain. In general, residents can borrow up to 80% of the property's (assessed) value, whereas non-residents can expect to borrow between 60 to 70% of the LTV.
Generally, the amount that can be borrowed will depend upon whether it is a first or second home; if a first home, residents and non-residents could possibly borrow up to 80%.
Legal
Legal representation: protecting your interests
When buying or selling property in Spain, it is essential that you have legal representation to ensure your interests are protected throughout the entire process. Therefore, it is essential to contract the services of an experienced Spanish property lawyer.
NIEYour lawyer's fee will be charged at 1 percent of the sale price of the property. This fee will cover the cost of all due diligence, such as confirming ownership and searching for debts.
Your lawyer will also arrange for you to receive a fiscal number — Número de Identificación de Extranjero (NIE) — which is required in order to carry out any financial transactions in Spain, including paying tax, opening a bank account and connecting utilities.
Resale or new build
Resale properties and new developments
The term 'resale' is used to describe a home with at least one previous owner. This means that you will be purchasing the property from the current legal owner. The property could be relatively new or it could be an older property that may have maintenance issues. As a buyer, it is your lawyer's responsibility to carry out the necessary due diligence to make sure everything is correct and legal, therefore safe for you to proceed with the purchase.
The national average for transfer tax (ITP) for resale properties in Andalucía is currently 8% of the purchase price and stamp duty on mortgages is 1.50%. (2023)
New developmentsBuying a new development 'off-plan' means that you are purchasing a property before it has been built or completed. Your decision will be based on the plot, floor plans, site plans and 3D renders (impressions showing how the properties will look when finished), materials, fixtures and fittings, onsite amenities and local amenities and, of course, the completion date. The purchase will be made direct from the developer building the property.
Apart from the obvious advantage of obtaining a brand-new property, it is often possible to request changes at certain stages of the development according to your taste.
When purchasing a new property, the developer dictates the terms of the transaction. However, similar to resales, you will usually be required to pay a reservation fee of between €6,000 to €10,000 to take the property off the market. Another tranche of around 30 to 40% of the sales price will be paid during the building process, either instalments at set dates or all at once, depending upon the developer's requirements. The remainder of the sales price will be paid upon completion.
As the buyer, you will be required to pay 10% IVA (VAT) in addition to the sales price plus 1.2% stamp duty on any mortgage.
Good to know
Purchasing costs
The additional fees incurred when purchasing property in Spain can vary between regions and can be negotiable — for example, there are no regulations stipulating the fees charged by lawyers. However, in general these prices fall within the percentages listed below. Similarly, real estate agents' fees are not regulated and will be set by individual organisations.
Notary & Land Registry1–2.5%
Property transfer tax (resale)6–10%
IVA / VAT (new build)10%
Legal representation1–2%
Real estate agency feesfrom 3%
Notary fees are regulated by the Spanish government, which means that they charge set prices for their services.
*The percentages listed refer to the purchase price of the property. Source: Aventus Realty Marbella, 2023.
About
About Aventus Realty Marbella
Aventus Realty Marbella is a high-end real estate agency offering clients a one-of-a-kind, completely transparent service. We source the best quality rentals and homes for sale in Marbella and provide a comprehensive Concierge service upon request. Our team deals with exclusive property listings and collaborates with a network of local, national and international agents to guarantee early access to the best real estate on the Costa del Sol.
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