Phase 01
Discovery & shortlist
We listen unhurriedly, define profile, budget and target area. We schedule curated viewings with an editorial dossier per property.
Buyer guide
Buying a home, step by step.
Realistic timelines, an honest checklist and an editorial team that walks with you. No shortcuts: only what we believe in, with paperwork in order.
Process in 4 phases
Phase 02
Financing & due diligence
Mortgage offers from 4-6 banks at zero cost. Lien check, building condition review, energy certificate, registry and tax documents.
Phase 03
Reservation & deposit
Reservation contract and 10% deposit (arras). The bank carries out the appraisal and final loan approval. We coordinate timelines with the seller.
Phase 04
Signing & keys
Signing at the Spanish notary, key handover, utility transfer and registry filing. We accompany you to the end.
Fees & taxes (no surprises)
As a rule of thumb, expect 10-13% above the deed price between taxes and operational fees.
- ITP (transfer tax — second-hand)
- 10% in Catalonia · 6% in Madrid
- VAT + AJD (new build)
- 10% + ~1.5%
- Notary
- 0.2% — 0.5%
- Land Registry
- 0.1% — 0.25%
- Bank appraisal
- €300 — €600
- Mortgage management
- Paid by the bank
On the deed price
VAT to seller, AJD to regional treasury
Fixed scale + extra copies
Registry filing of the deed
If you need a mortgage
From 2019 the bank covers most expenses