Looking for a clear, complete overview of what it takes to buy a home in Spain?
Download our Exclusive Buyer’s Guide for a complete overview—from legal steps to insider tips.
Buying a home in Marbella is exciting—but it also comes with its own set of decisions, questions, and, let’s face it, a few unknowns. Whether you’re searching for a seaside apartment, a family-friendly villa, or an investment opportunity, understanding how the process works in Spain is the first step toward making confident and informed choices.
At Cima, we make sure our clients feel supported from day one. Here’s what to expect when buying property in Marbella—and how to approach it with clarity and ease.
Set Your Budget and Explore Financing Options
Before you start browsing listings or booking viewings, it’s essential to understand your budget and how you’ll finance the purchase. Buyers who secure pre-approval from a bank, or have a clear view of their available funds, are often able to move faster when the right property appears.
Spanish banks typically finance between 50–70% of the purchase price, and if you’re a non-resident, some paperwork and a NIE number will be required. A qualified lawyer can help with all of this, and we’ll recommend trusted professionals if needed.
Define What You’re Looking For
Are you drawn to Marbella’s beachfront lifestyle, golf-side homes, or mountain views? Maybe you’re interested in renovation potential or a newly built development with modern amenities. Whatever your priorities, our team will help you refine your search and introduce you to options—often including off-market properties—based on your criteria.
Thanks to our extended network, we work beyond our own listings to make sure you don’t miss the right match.
Book Viewings and Get to Know the Neighbourhoods
Viewings in Marbella tend to be relaxed, usually done one-on-one with your agent. This gives you space to explore each home at your pace, ask questions, and imagine how the space might work for you.
We’ll give you honest feedback, insights on the area, and point out both the highlights and the details worth considering.
Making an Offer and Securing the Property
When you find the right fit, your agent will help you make an offer. In Spain, it’s typical to offer below asking price—negotiations are expected, and we’ll guide you through the process.
Once an offer is accepted, a reservation agreement is signed and a deposit is paid (usually between €6,000–€10,000), followed by a due diligence period and the purchase agreement, where 10% of the price is paid.
Legal Support and Due Diligence
A local lawyer plays a key role throughout the purchase—not only managing contracts but also checking the property’s legal status, ensuring there are no existing debts, and handling the official paperwork.
For international buyers, it’s especially helpful to give your lawyer power of attorney, so they can represent you if you’re not in Spain throughout the process.
Completion at the Notary
The final step—completion at the notary—is when the remaining balance is paid, the property is officially transferred to your name, and the keys are handed over. It’s a simple process when everything has been prepared properly, and we’ll guide you through every detail alongside your legal representative.
Understand the Additional Costs
It’s important to factor in 12–14% in additional purchase costs, including:
- Transfer tax (7% for resale) or VAT (10% for new builds)
- Notary and title registration fees
- Legal fees (typically 1%)
- Mortgage-related costs, if applicable
We’ll help you break these down so you have a clear picture from the beginning.
Buying New Developments vs Resale Properties
If you’re considering a new development, you’ll typically pay in stages during construction, with the opportunity to customise interior finishes. A resale home, on the other hand, may be ready to move into sooner—but requires closer inspection of condition, age, and previous use.
Both paths offer advantages, and we’ll walk you through the differences so you can make a choice that aligns with your goals.
There’s more to know—especially when it comes to timelines, taxes, and choosing between a primary residence or an investment property.
Learn more by downloading our full Exclusive Buyer’s Guide – scroll to the bottom of the page to get your copy.
Thinking of Buying?
At Cima, we make the process of buying a home in Marbella feel clear, supported, and genuinely enjoyable. From the first conversation to the notary signature, we’re by your side—offering expert guidance, tailored recommendations, and a relaxed, professional experience throughout.
Looking for your next property in Marbella? Let’s talk—we’d love to help you find the one.
