Guides
In-depth guides to buying and owning property in Spain, written by us and reviewed by a lawyer.
Buying processBuying property in Spain: step by stepBuying property in Spain is straightforward when the steps are done in the right order, but it differs from a purchase back home. Here we walk through the whole path, from your NIE number to the keys in your hand, and where your lawyer comes in. The goal is that you recognise every step before you're standing in it.8 min
Buying processBuying new-build in Spain: payment and protection step by stepBuying new-build, often off-plan (sobre plano), works differently from a resale, and in several ways to your advantage. You pay a smaller share during construction and the bulk only when the home is ready, and your instalments are protected by law the whole way. Here we explain how the payments are split, how the protection works and what happens up to the keys in your hand.7 min
Legal & taxOwning property in Spain: legal, tax and inheritance step by stepOnce the purchase is done, ownership begins, and there are a few things a Nordic owner should know, though they're rarely complicated with the right help. Here we walk through the lawyer's role, how you can handle most things from home, what tax you pay as an owner, and why a Spanish will is worth having. The goal is that you feel secure about what owning means, not just buying.8 min
SellingSelling property in Spain: how it works, step by stepSelling your Spanish property is entirely manageable as a Nordic owner, but there are a few tax details that differ from home, and that are easier with the right help at your side. Here we walk through how a sale works, which documents you need, what tax you pay, and that 3% rule that worries so many people needlessly. The goal is that you know exactly what to expect before you put the property up for sale.8 min
FinancingMortgages in Spain: how to finance your purchase as a Nordic buyerBuying on the Costa del Sol isn't only about finding the right property, because getting the financing right matters just as much. As a Swedish or Finnish buyer you have full rights to own property in Spain, and you can finance the purchase in several ways: with a Spanish mortgage, by extending the loan on your home back home, or with a combination. This guide covers how much you can borrow, what the rate and costs actually are in 2026, what documents the bank wants to see, and something few sites take seriously: how the tax treatment differs for you as a Swedish versus a Finnish buyer.13 min
Investment & rentalInvesting on the Costa del Sol: tourist licence, rental and tax step by stepFor Nordic buyers, the Costa del Sol has quietly become one of Europe's most rational places to own a rental home: reliable year-round sun, a deep and growing tourism base, relatively affordable entry prices, and an airport four to five hours from most Nordic cities. This guide explains Andalusia's licensing system for tourist rentals, how a short-term let is run in practice, which taxes a non-resident owner actually pays, and how the numbers can be arranged so the property largely pays for itself. Read the licence and tax chapters carefully; that's where most first-time investors stumble, and where your real return is decided.10 min
The Road to the Costa del Sol
Our audio guide series for anyone thinking about buying a home in Spain.
Episode 1 · 14 min
Resale or new build: which should you choose?
Two buyers, the same budget, two completely different purchases. Process, tax, risk, and what many miss about the payments.
Episode 2 · 13 min
Investing on the Costa del Sol: how a home pays for itself
The tourist licence, non-resident taxes, and the numbers behind a property that covers its own costs: everything to understand before buying to let.
More episodes on the way.