Free home buying guide tips

1. Welcome / Introduction

Welcome to your step-by-step guide to buying property in Costa del Sol!

Costa del Sol has become one of the most popular destinations for Irish buyers looking for sun, lifestyle, and investment opportunities. In this guide, we'll walk you through the entire buying process—from budgeting to moving in—so you can make confident decisions.

Quick tip: Buying in Spain doesn't have to be stressful. With the right guidance, your dream property can become a reality quickly and safely.

2. Why Buy in Costa del Sol?

  • Sun & Lifestyle: 320+ days of sunshine per year, beaches, golf, and vibrant communities.
  • Investment Potential: Strong rental demand and property appreciation.
  • Healthcare & Safety: Excellent local healthcare and safe neighborhoods.
  • Popular Areas: Marbella, Estepona, Fuengirola, Mijas, Benalmádena.

Tip: Match your lifestyle to the area: retirees may prefer Estepona; families often choose Mijas; Marbella is popular with investors and luxury buyers.

3. Step-by-Step Buying Process

Step 1: Budget & Financing

  • Determine your budget including purchase price, taxes, and fees.
  • Explore mortgage options available for foreign buyers.

Step 2: Choose Your Area & Property Type

  • Apartment, townhouse, villa? Coastal, town centre, or countryside?

Step 3: Find a Reputable Agent

  • Work with someone who knows the market and understands your needs.

At Choosecostadelsol we have relationships with many.

Step 4: Property Viewings & Inspections

  • Always visit multiple properties. Consider a survey to avoid surprises.

Step 5: Legal Checks & Notary

  • Hire a Spanish lawyer. Ensure property has clear title and no debts.

Step 6: Make an Offer & Complete Purchase

  • Secure your property with a deposit.
  • Complete contracts, pay fees, and receive the keys!

Quick Tip: Avoid common mistakes like skipping legal checks or overpaying for foreign fees.

4. Costs to Expect

  • Property Price Ranges:
    • Apartments: €150,000 – €450,000
    • Townhouses: €250,000 – €600,000
    • Villas: €400,000 – €2,000,000+
  • Additional Costs:
    • Notary & registration fees: 1–2% of purchase price
    • Lawyer: 1% approx.
    • Taxes (Property Transfer Tax or VAT): 7–10% depending on property type
  • Ongoing Costs:
    • Community fees: €50–€300/month
    • Utilities & insurance

Example: A €500,000 villa may cost an extra €30,000–€50,000 in fees and taxes.

5. Popular Areas & Neighborhood Guide

Area                                  Highlights                                               Ideal Buyer

Marbella                           Luxury, golf, nightlife                            Investors, luxury buyers

Estepona                         Family-friendly, beaches, relaxed        Families, retirees

Fuengirola                       Central location, easy transport           Families, working expats

Mijas                                 Hillside charm, peaceful                        Retirees, nature lovers

Benalmádena                  Marina & expat community                  Holiday homeowners, young couples

Tip: Consider commuting options, schools, and lifestyle amenities when choosing an area.

6. Legal & Administrative Tips

  • NIE Number: Required for all foreign property buyers.
  • Bank Account: Needed for payments, taxes, and bills.
  • Taxes & Registration: Property transfer tax, notary fees, municipal taxes.
  • Avoid Scams: Always use a registered agent and lawyer.

7. Moving & Settling In

  • Shipping belongings, car registration, and utilities setup.
  • Healthcare registration for EU citizens.
  • Local clubs, expat communities, and schools.
  • Explore your neighborhood before committing long-term.

8. Frequently Asked Questions

Q: Can I get a mortgage as a foreigner?
A: Yes. Most banks offer mortgages up to 70% of the property value for non-residents.

Q: How long does it take to buy a property?
A: Typically 8–12 weeks once you have identified the property and arranged financing.

Q: Do I need a lawyer?
A: Absolutely. A lawyer protects your investment and ensures all paperwork is correct.

Q: Can I rent out my property?
A: Yes, but check local rental regulations and taxes.

9. About Choose Costa del Sol

We specialize in helping Irish buyers find their dream home in Spain. With years of experience, hundreds of happy clients, and local knowledge, we make buying in Costa del Sol stress-free.

Testimonials:

"Choose Costa del Sol made buying our villa simple and enjoyable. Highly recommend!" – Sarah & John, Dublin

Book your free consultation today or download personalized property recommendations!

10. Bonus Checklist

Your 10-Point Costa del Sol Buying Checklist
✅ Budget set
✅ Mortgage pre-approved
✅ Neighborhood researched
✅ Agent chosen
✅ Properties shortlisted
✅ Property viewed
✅ Lawyer appointed
✅ Offer made
✅ Contract signed
✅ Keys collected

  • Email: info@choosecostadelsol.ie
  • Phone / WhatsApp: +353 852666160
  • Link: Book a free consultation now