Buyers’ homepage2026-04-27T08:40:15+02:00

Looking to buy property
on the Costa del Sol?

If your goal is a second home or an investment in the sun —
we find the right property for you and guide the purchase safely through to completion.
Start with a free video call.

You don’t need to know the Spanish market or legal framework — that’s our role.
Let’s talk.

If you’re looking for a second home

You can picture it clearly — morning coffee on the terrace, the sea on the horizon, winter months in a warm climate.
A place to unwind and recharge. A place that is truly yours.

But then reality sets in. Where do you start looking? How do you know the price is fair?
How do you buy safely in another country, in a different language, alongside your everyday life?
And what if the property has issues no one mentions?

If you’re looking for an investment property

The Costa del Sol is one of Europe’s highest-demand tourism markets. Rental income, capital growth, portfolio diversification — you have already worked through the numbers.
Now it’s about finding the right property, at the right time, at the right price.

But the market moves fast. Strong opportunities disappear within days. There are significant differences between areas.
Legal nuances can turn a profitable investment into a costly lesson.

A buyer’s agent works for you —
not for the seller’s interests

Most real estate agents on the Costa del Sol represent the seller.
Their fee depends on the transaction closing — price negotiations are not in your favour.

As a buyer’s agent, we work exclusively for you. Your goal of a second home or a smart investment
requires a partner who understands the market from the inside.
We start with a consultation — it is free and with no obligation.

How the buying process works — from idea to keys

The process typically takes 1–2 months.
As a rule, you do not pay the buyer’s agent — our fee is covered by the seller’s agent commission.

1. Free consultation

You gain clarity on which property truly suits you — based on your goals, budget, and lifestyle. We speak openly about whether and how we can help, so we know exactly what to look for and what to avoid.

2. Area orientation and property viewings

You experience the areas first-hand — getting a real sense of the lifestyle and atmosphere. You view properties that match your criteria — either in person with us or conveniently via video viewings.

3. Offer and price negotiations

Once we have found the right property, we negotiate with the seller on your behalf — we structure the offer and protect your interests. We understand the market and know where there is room in the price, so you don’t overpay.

4. Power of attorney, NIE, and bank account

Before the transaction, we help you arrange three essential elements: a power of attorney for your lawyer, who will protect your interests, an NIE number, and a local bank account. We guide you through every step — you don’t need to handle Spanish paperwork on your own.

5. Reservation agreement

The reservation agreement secures the agreed price and removes the property from the market. For resale properties, the reservation fee is €6,000, and we include the necessary clauses in the contract to protect you. If the agreed conditions are not met, your payment is refunded.

6. Legal due diligence and technical inspection

Your lawyer verifies that the property is legally sound — with no hidden debts or planning issues. If needed, we also arrange a technical inspection so you understand the property’s condition. This step helps avoid costly surprises later.

7. Private purchase contract — 10% payment

The private purchase contract secures the transaction — the property is effectively yours. It protects both sides: if you withdraw, you lose 10%. If the seller withdraws, you receive double the amount back.

8. Notarial completion and key handover

At the notary, the most important step of the transaction takes place — the contract is read, signed, and the purchase funds are transferred. Once everything is completed, you receive the keys and the property is officially yours.

9. Final steps

After completion, you don’t need to worry about anything — your lawyer handles the purchase-related taxes, sets up electricity and water contracts, and registers the property in your name. You can simply enjoy your new home.

Learn before you invest

Webinars, consultation, and a newsletter that help you make an informed and secure decision.

📩 Buy smarter on the Costa del Sol — free 8-week guide in your inbox

By subscribing, you receive a practical newsletter once a week for 8 weeks: buying process, taxes, mortgages, checklists, new developments, and rentals. After that, once a month. Only information that helps you make smarter decisions.
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🏠 Buyer webinar — for individuals and companies

A free webinar answering the 10 questions international buyers always ask before buying on the Costa del Sol — costs, taxes, mortgages, rentals, and common mistakes.
Hosted by two local agents who work with international buyers daily.
Register and get a 14-day replay link. →

▶️ Everything foreign buyers need to know — in 65 videos under 3 minutes each

Most foreign buyers only discover the hidden costs, contract pitfalls and tax obligations after they’ve already signed. By then, the lesson costs a lot more than 49 €.

This video course gives you what most agents won’t: a honest, step-by-step walkthrough of the entire buying process — before, during and after the purchase. 65 short videos, each under 3 minutes, covering taxes, mortgages, legal checks, registration, non-resident obligations and the mistakes that catch almost everyone off guard.

Go through the course — then bring your questions to a free 1-hour consultation with our team.
49 € · 14-day access · Free consultation included
Get access now →

Let’s have a quick call

Not sure which area fits your lifestyle? Wondering how the buying process actually works?
Let’s talk it through — a short video call with our team gives you a clear picture and a next step.

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Book your personal consultation — just go to Next.

Property types on the Costa del Sol

Life on the Costa del Sol can look very different — mornings by the sea or peaceful time in your own garden, surrounded by greenery and tranquillity in sought-after areas such as Benahavís, Marbella, or Estepona.

As your buyer’s agent, we select properties that align with your goals, budget, and lifestyle — so you can focus on the options that truly feel right.

Elutuba tüüp A

Apartments

From coastal studios to spacious penthouses with panoramic views of the surroundings or the sea.
Well suited for both holidays and rentals — often within gated complexes with a communal pool, and located within walking distance of the beach and restaurants.

From €400,000

View apartments →

How to buy property in spain as

Villas

From semi-detached houses to spacious villas with a private pool, garden, and greater privacy.
Well suited for families or longer-term living — often located in gated residential areas or more peaceful surroundings.

From €450,000

View houses →

C Villa Avenue

New Developments

From off-plan to completed new developments, with modern architecture and built-in energy efficiency.
Well suited if you are looking for a new and straightforward solution — developer payment plans and guarantees bring clarity to the buying process.

From €300,000

View new developments →

Taxes when buying property

Use our Spanish property purchase cost calculator to get an instant estimate of the total acquisition cost.
Choose between resale and new development to see a clear breakdown of taxes, notary and registry fees, and legal costs.

New Development Purchase Cost Calculator




Result:

Second-hand Property Purchase Cost Calculator




Result:

Note
The calculator is an estimate. Notary fees and land registry fees may vary. Additionally, the lawyer’s fee is lower than 1% for higher-value transactions.

A second home or an investment on the Costa del Sol —
we start with you, not the properties

A quick, free video call in English where we define your goals, budget, preferred areas, and expectations.

What our clients say about us

We have helped many families find, purchase, and enjoy their dream home on the Costa del Sol.
Read what they say about their experience.

A reliable and trustworthy partner in the transaction. Provides sound advice and listens to the client’s needs.

Jaanus Mäger

I have been very satisfied with the work of Merlis and Eve. The entire purchase process was well under control, and any concerns were clearly highlighted when needed to ensure nothing was delayed. Even though the transaction took place several years ago, they are still available, offering valuable advice and sharing their experience whenever needed. It is truly great to see their company growing steadily and their professionalism reaching new levels. Wishing you continued success!

Veiko Kirs

We had a very positive experience working with Merlis and Eve when purchasing property. All viewings were arranged in advance and scheduled smoothly. A great deal of preparation was also handled via email beforehand. The lawyers they recommended were highly competent. A strong recommendation!

Imre Liivamets

FAQ

Why do I need a buyer’s agent on the Costa del Sol?2026-04-23T15:09:42+02:00

A buyer’s agent represents only you — they search across the entire market, negotiate in your interest, and coordinate the whole transaction. You do not pay the buyer’s agent — the fee is covered by the property owner.

Most agents on the Costa del Sol represent the seller, and their goal is to achieve the highest possible price. A buyer’s agent, on the other hand, understands true market values in each area and knows when an asking price is not justified. Beyond finding the right property, they coordinate the lawyer, notary, bank, and seller’s representative, and ensure that the contract terms protect your funds.

Book a free consultation — 30 minutes, via Zoom or phone, no obligation.

What is the step-by-step process of buying property on the Costa del Sol?2026-04-23T15:10:40+02:00

The purchase process typically takes 1–2 months and consists of ten steps: consultation → area orientation → property viewings → offer → power of attorney, NIE, and bank account → reservation agreement → legal due diligence → private purchase contract (10%) → notarial completion → key handover.

The process begins with a consultation, where your goals, budget, and preferred areas are defined. Once a suitable property is found, a reservation agreement secures the price and removes the property from the market. A lawyer then conducts legal due diligence — debts, mortgages, planning status, and building registry. With the private purchase contract, you pay 10%, and at notarial completion, ownership is transferred into your name. After key handover, the lawyer handles taxes, utility contracts, and registry entries. You do not pay the buyer’s agent — the fee is covered by the seller.

Book a free consultation — we will discuss your plans and explain the process based on your situation.

Can a foreigner get a mortgage to buy property on the Costa del Sol, and what are the conditions?2026-04-23T15:11:28+02:00

Yes. Spanish banks lend to non-residents up to 60–70% of the property value, with loan terms of up to 25 years. Fixed interest rates in 2026 range between 2.8% and 3.8%. The mortgage process typically takes 4–8 weeks.

To apply, you will need payslips, tax returns, and bank statements, translated into English or Spanish. It is advisable to explore financing options before starting your property search — this way, you know your exact budget and can act quickly.

Book a free consultation — we will help clarify your budget and connect you with the right bank contact.

What taxes and fees are involved when buying property on the Costa del Sol?2026-04-23T15:12:18+02:00

In addition to the purchase price, you should budget for 10–13% in additional costs. For resale properties in Andalusia, the property transfer tax (ITP) is 7%. For new developments, VAT (IVA) is 10% plus stamp duty (AJD) at 1.2%.

You will also pay notary fees, land registry fees, and legal fees (typically around 1% of the purchase price). If financing is involved, there are additional bank valuation and arrangement costs. As a concrete example: for a €400,000 resale property, additional costs are around €40,000. For a new development at the same price, approximately €52,000.

Book a free consultation — we will prepare a detailed cost breakdown based on your situation.

Do I need a lawyer to buy property in Spain, and what do they do?2026-04-23T15:13:10+02:00

It is not legally required, but for a foreign buyer, a lawyer is essentially indispensable. In Spain, the notary does not carry out legal due diligence — they formalise the transaction but do not protect you. A lawyer ensures the property has no hidden issues and safeguards your funds throughout the process.

Specifically, the lawyer verifies ownership, debts, and encumbrances in the land registry, as well as planning permissions and the building registry. They review the contract terms to ensure your deposit is protected. After completion, they handle tax payments, utility contracts, and registry entries. Legal fees are typically around 1% of the purchase price.

Book a free consultation — our network includes lawyers specialised in real estate transactions.

Which areas on the Costa del Sol are best for buying property?2026-04-23T15:14:03+02:00

The best area depends on your objective — a second home, rental income, or a permanent residence. The Costa del Sol stretches across 150 km of coastline, and there are significant differences between areas in terms of pricing, lifestyle, and rental returns.

Marbella and Nueva Andalucía — luxury segment, high rental yields, international community. Apartments from €300,000, villas from €500,000+. Estepona — rapidly developing, more authentic, more affordable than Marbella. Benalmádena and Fuengirola — more affordable, strong infrastructure, close to the airport. Mijas — coastal area popular for holiday homes, inland offers a quieter village lifestyle.

Book a free consultation — we will identify the area that best fits your goals and budget.

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