Cost calculator

What will it really cost?

The asking price is only part of it. Enter a price and a region to see the taxes, fees and cash you need, worked out with the official 2026 rates. It is the same arithmetic we run for every client as their buyer's agent in Spain.

Property
Financing
Your money is in

Residents and non-residents pay the same purchase taxes in Spain, so there is no need to tell us where you live.

Total cash needed

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— on top of the price (—)

Enter a price between €50,000 and €20,000,000.

  • Property search if you want one, with live or recorded video tours
  • In person: €500 a day, up to five homes
  • Cost, tax and return analysis on every shortlisted home
  • Narrowing it down with you, so your lawyer checks only the home you offer on
  • Offer strategy and negotiation on price
  • Coordinating your lawyer, NIE, notary and power of attorney from abroad
  • Live client portal with weekly progress reports
  • We act only for you, never for the seller

Method

How it is worked out

Official rates, checked on 27 September 2026

  1. Taxes

    Each region sets its own. A resale home pays transfer tax (ITP); a new build pays 10% VAT (7% IGIC in the Canaries) plus stamp duty (AJD). Taken from each regional tax agency.

  2. Land Registry

    Worked out on the official fee scale (Royal Decree 1427/1989), plus VAT.

  3. Our fee and the lawyer

    Our fee is 2% of the asking price, with a minimum of €7,500 and no IVA, and pays for our own work. The lawyer, NIE and notary bill you directly. Their lines round up the current quotes from the professionals we work with, and you can use your own lawyer. You pay the taxes, Land Registry and mortgage costs directly too.

  4. Mortgage

    Since 2019 the bank pays the tax and notary costs of the mortgage deed. You pay the valuation and any arrangement fee.

  5. Currency

    A retail bank usually takes 2 to 4% inside the exchange rate. The estimate uses a specialist broker at 0.4%.

  6. An estimate

    Not tax or legal advice. Reduced rates for young buyers, large families or a main home in the region are not applied.

Want these numbers for a specific property, before you make an offer? A buyer's agent in Spain works them out on every home on your shortlist.

Speak with an advisor Get the 2026 Spain Buyer's Report