Buying a home in Spain might sound complicated if you are coming from abroad, but once you understand the process, it is surprisingly straightforward. Whether you are searching for a sunny holiday home or planning a full relocation, knowing the correct steps helps avoid costly mistakes and delays.

Here is a simple step-by-step guide to buying property in Spain as a foreigner in 2025.

Step 1: Decide Where and What to Buy

Start with research. Spain has a wide range of property markets, each with its own feel and price point. The Costa del Sol, Costa Blanca, and Balearics offer popular coastal living, while inland areas such as Valencia or Granada provide better value.

Decide what suits your lifestyle and goals — whether that is rental income, retirement, or a base for remote working.

Step 2: Get Your NIE Number

The Número de Identificación de Extranjero (NIE) is essential. This is your Spanish tax ID number, and you cannot complete any property purchase without it.

You can apply for an NIE in Spain or through a Spanish consulate in your home country. If you are working with a lawyer, they can often arrange this on your behalf using power of attorney.

Step 3: Secure a Spanish Bank Account

You will need a local bank account to pay for utilities, taxes, and ongoing costs related to the property. Most Spanish banks will allow non-residents to open an account, provided you have your NIE and passport.

Step 4: Work with a Reputable Lawyer

Hire an independent solicitor who speaks your language and understands the Spanish legal system. They will handle contracts, due diligence, and ensure there are no debts or legal issues attached to the property.

Avoid using a lawyer provided by the seller or estate agent. Independence is key.

Step 5: Reserve the Property

Once you find the right property, the next step is to sign a reservation agreement. This removes the property from the market and usually involves a deposit of around 3,000 euros.

Your lawyer will begin checks on the property’s legal standing before you move forward.

Step 6: Sign the Private Purchase Contract

This is the main agreement between buyer and seller. At this stage, you will usually pay 10 percent of the purchase price. The contract outlines the timeline and sets the final date for completion.

Step 7: Completion at the Notary

The final step is signing the public deed (escritura pública) at the notary’s office. You will transfer the remaining funds, and the property will officially be yours. The notary will then send the deed to the land registry.

Step 8: Pay the Taxes and Register the Property

After completion, you must pay the required taxes within 30 days and register the property in your name. Your lawyer will usually manage this on your behalf.

Buying in Spain as a foreigner is perfectly doable, especially with the right support. With proper planning, a trusted legal advisor, and a clear understanding of the process, your dream of owning a home in Spain can become a smooth and successful reality.