Buying a house in Spain – safe, in Swedish, all the way
We guide you from your first question to keys in hand – no hassle and no hard sell.
As an EU citizen you can buy a house in Spain without extra permits. The process normally takes 6–12 weeks and requires a NIE number, a Spanish bank account and an independent lawyer. With a Swedish-speaking team on the ground you do not have to navigate the bureaucracy alone.
Why buy through us
Swedish-speaking agents
You speak Swedish with us throughout – from first question to key handover. No language barriers, no misunderstandings.
All the way: NIE → notary → keys
We assist with your NIE application, banking, lawyer and contract review. No step is yours to handle alone.
Hundreds of properties
Hand-picked properties along Costa Blanca and Costa del Sol – apartments, townhouses and villas at all price points.
How the purchase works – step by step
1. Budget & region
Set a realistic budget that includes all costs, not just the purchase price. Allow 10–15% on top for taxes and fees. Prices vary widely – Costa Blanca South starts around €1,800/m², Costa del Sol from €2,500/m².
2. NIE number
A NIE (Número de Identidad de Extranjero) is mandatory to buy property, open a bank account and pay taxes. You can apply at the Spanish consulate in Stockholm (2–4 weeks) or directly in Spain (1–3 days). Apply early – without a NIE the entire process stops.
3. Spanish bank account
With a NIE you can open an account at CaixaBank, BBVA, Sabadell or Santander. It normally takes 1–2 days. You need the account to pay by banker's draft at the notary signing and for ongoing costs such as electricity, water and community fees.
4. Reservation & contract
When you find the right property you sign a reservation agreement with a deposit of €3,000–6,000. Your lawyer checks the property (Nota Simple, debts, planning permits). If all is clear a Contrato de Arras is drawn up with 10% deposit – if the seller pulls out they must pay back double.
5. Notary & title registration
On the completion date buyer, seller and notary meet to sign the Escritura Pública. You pay the remaining purchase price by banker's draft and receive the keys on the spot. Title registration (Registro de la Propiedad) takes 1–2 months.
6. Taxes & ongoing costs
Within 30 days you pay purchase tax: ITP 7–10% for resale (depending on region) or 10% VAT plus stamp duty for new builds. Ongoing costs include property tax (IBI), non-resident income tax (IRNR) and community fees.
Next steps
Where do you want to live?
Costa Blanca, Costa del Sol or somewhere else? Explore all coastal areas and find the one that suits you.
Explore areas →Properties near golf
Dreaming of a villa or apartment with the golf course around the corner? See our selection of golf properties.
See golf properties →Free viewing trip
Nothing replaces seeing the properties in person. We arrange viewing trips to Costa Blanca and Costa del Sol – travel costs reimbursed on purchase.
Read about viewing trips →Featured properties in Spain
Bungalow in Rojales
Lo Marabú, Alicante
Bungalow in Rojales
Lo Marabú, Alicante
Townhouse in El Campello
Platja de L´Amerador, Alicante
Villa in Benejúzar
alta, Alicante
Townhouse in El Campello
Platja de L´Amerador, Alicante
Townhouse in El Verger
El Verger, Alicante
Current properties in Spain
Common questions about buying a house in Spain
Yes, without restrictions. Sweden and Spain are both EU members, which gives you identical ownership rights to a Spanish citizen. You need neither a residence permit nor a permanent address in the country.
A NIE (Número de Identidad de Extranjero) is your foreign identification number in Spain. It is mandatory to buy property, open a bank account, pay taxes and sign contracts for electricity and water. You apply at the Swedish consulate (2–4 weeks) or directly in Spain (1–3 days).
Allow 10–15% on top of the purchase price. Resale properties: ITP 7–10% depending on region. New builds: 10% VAT plus 0.5–1.5% stamp duty (AJD). On top of that: notary fee (€600–1,200), title registration (€400–800) and lawyer (€1,200–3,000).
Yes, Spanish banks offer mortgages to EU citizens. As a non-resident you can normally borrow 60–70% of the property value, meaning a deposit of 30–40%. Fixed rates are 2.5–4.9% (Q1 2026) and the maximum term is 20–25 years.
Allow 6–12 weeks from finding the right property to having the keys. NIE application takes 1–3 weeks, legal review 1–2 weeks and the period between purchase contract and notary signature is normally 4–8 weeks. A mortgage can add 4–6 weeks.
What our clients say
We sent a short message on a Sunday night and had a reply by the next morning. From the very first contact, we felt we were in safe hands.
Being able to speak Swedish throughout the purchase made all the difference. Marcus and the team explained every document, every step.
Ready to take the next step?
Book a free call with one of our agents. We will tell you what suits your budget and preferences – no obligations.
“We sent a short message on a Sunday night and had a reply by the next morning. From the very first contact, we felt we were in safe hands.”