Worth knowing when buying a house in Spain

Attorney – Lawyer – Representative in Spain

When buying a second home in Spain, it is advisable to always work in collaboration with a representative. A notary in Spain is an official who records and ensures that documents comply with legal requirements. It is best to have a representative, a lawyer, verify the property registrations (ownership, land registry, etc.) before signing the purchase contract. A representative is familiar with the local legal system and represents your interests towards the seller. Engage a representative when your offer is accepted, or even better, during the orientation phase. Waiting until the offer is accepted often leaves you with insufficient time to make an informed decision.

Purchasing in Combination with a Mortgage

If you are buying a second home in Spain and require a mortgage, the bank always verifies the property’s registration status. Purchasing in collaboration with a bank provides you with additional security, sometimes even more than relying solely on a representative. Try to arrange for the bank’s appraisal and verification to be done before you have to pay the deposit. Banks that collaborate with Fynis International Mortgages offer this possibility.

Spanish Tax Identification Number

Both for buying a second home in Spain and applying for a mortgage, you will need an NIE, a Spanish tax identification number. It is possible to authorize your lawyer-representative to handle this process for you. They will explain the best way to proceed. You do not need to have a residential address in Spain.

Fynis International Mortgages offers international buyers a customised mortgage service for Spanish properties: a holiday home or rental investment.

Mortgage Offer for Spain

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Mortgage Calculation

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