Buying Property in Costa Blanca: A Step-by-Step Guide for UK Buyers

Buying a home on the Costa Blanca can begin with a sea view, a warm evening and the feeling that you have finally found the property you have been imagining for years.

But the safest purchases are rarely the fastest ones.

Before you reserve a villa, apartment or new-build property, you need to understand what you can realistically spend, where you should buy, what must be checked, when money becomes at risk and which decisions should be made before you fall in love with a property.

This guide takes you through the Costa Blanca buying process from preparation and viewings to legal due diligence, contracts, completion and the practical steps after receiving the keys.

The objective is not to make buying property in Spain sound complicated. It is to help you recognise the moments when slowing down can protect a very large financial decision.

Can UK Citizens Buy Property in Costa Blanca After Brexit?

Yes. British citizens can continue to buy property in Spain.

Brexit changed immigration and travel rules for British citizens, but buying a Spanish property and obtaining the right to live permanently in Spain are two different legal questions.

A UK buyer can own a holiday home, second home or future retirement property on the Costa Blanca while remaining resident in the United Kingdom.

If you intend to relocate permanently or spend extended periods in Spain, immigration status and tax residency should be considered separately from the property purchase.

Owning a home in Spain does not, by itself, give a British citizen an automatic right to live in Spain indefinitely.

OWNING A PROPERTY

You can own a Costa Blanca property while remaining resident outside Spain.

LIVING IN SPAIN

Property ownership does not replace the immigration permission that may be required for long-term residence.

TAX RESIDENCY

Owning a property and becoming Spanish tax resident are not automatically the same event.

The Most Dangerous Moment Is Often When the Property Feels Perfect

International buyers rarely make poor decisions because they do not care enough.

They make them because emotion begins moving faster than information.

You spend weeks scrolling through listings. You fly to Alicante. You view several homes that do not feel right.

Then you walk onto one terrace and suddenly everything fits.

The view works. The kitchen works. Your partner loves it. You can already imagine breakfast outside. Then someone mentions that another buyer may be interested.

That is precisely when a disciplined buying process becomes most valuable.

The moment you most want to speed up may be the moment you most need to slow down.

A property can be replaced.

A deposit already transferred, an unsuitable location, an undocumented extension or a contract signed without understanding its consequences can be considerably harder to correct.

The purpose of preparation is not to remove the excitement from buying a home in Spain.

It is to make sure the excitement belongs to the right property, in the right location, under conditions you understand.

Costa Blanca Property Buying Guide: What You Will Learn

Before You Start Viewing Property, Make Five Decisions

Opening property portals is easy. Building your buying criteria first is more valuable.

Before arranging serious viewings, define the boundaries of the purchase. These decisions prevent an attractive property from quietly changing your budget, location or lifestyle requirements.

1. What Is the Property For?

Permanent home, retirement, second home, regular holidays or future relocation?

Different uses require different locations and different properties.

2. What Is Your Real Maximum Budget?

Separate the advertised property price from purchase taxes, professional fees, financing, furnishing, improvements and the cash reserve you want to retain after completion.

3. How Important Is Walkability?

Decide whether driving for groceries, restaurants, healthcare or the beach is acceptable before falling in love with a villa in a car-dependent location.

4. Cash or Mortgage?

If financing is required, investigate borrowing capacity before negotiating a property.

5. What Will Make You Walk Away?

Define your non-negotiables before the viewing:

location, legal issues, excessive community costs, car dependence, property condition, poor orientation or financing limits.

A viewing should test your criteria. It should not create them.

The Costa Blanca Property Buying Process in 10 Steps

Every transaction is different, but a careful international purchase normally follows the same logic:

prepare first, investigate second, and commit significant money only when you understand what happens next.

01 — Build the Real Budget

Calculate purchasing capacity after purchase taxes, fees and financing requirements, not from the listing price alone.

02 — Choose the Location

Compare towns and neighbourhoods according to the life you realistically expect to lead.

03 — Prepare NIE, Lawyer and Finance

Remove avoidable administrative and financing uncertainty before the right property appears.

04 — View and Inspect

Evaluate the property, building, surroundings and everyday routine — not only the interior.

05 — Negotiate the Offer

Agree price and important conditions without allowing urgency to remove necessary checks.

06 — Review the Reservation

Understand what happens to the reservation money if the transaction cannot proceed.

07 — Complete Legal Due Diligence

Verify ownership, registered charges, planning status, community issues and other relevant documentation.

08 — Sign the Private Purchase Contract

Commit to the transaction only when contractual conditions and consequences are understood.

09 — Prepare Completion

Finalise financing, funds, documentation and pre-completion checks.

10 — Sign, Complete and Register

Complete before the notary, receive the keys and finalise post-purchase registration, tax and utility administration.

How Much Does Buying Property in Costa Blanca Really Cost?

One of the easiest ways to create financial stress is to treat the advertised property price as the buying budget.

The price of the home and the amount of cash required to buy it are not the same number.

Costa Blanca is in the Valencian Community, so Valencian tax rules are particularly relevant.

Buying a Resale Property

As of August 2026, the general Valencian ITP rate on property acquisitions is 9%. Where the value of the property exceeds €1 million, the general rate specified by Valencian legislation is 11%, subject in both cases to any reduced rate or special treatment applicable to the buyer or transaction.

Buyers should also be aware of Spain’s valor de referencia. When applicable, it can operate as the minimum taxable base for ITP; if the declared price or consideration is higher, the higher figure is used.

Ask your lawyer for a transaction-specific tax calculation rather than relying on a generic percentage from a property video or advertisement.

Buying a New-Build Property

The first delivery of a new residential property by a developer is generally subject to 10% VAT (IVA).

AJD can also apply to the notarised transaction. Valencian legislation provides different rates depending on the circumstances: for example, 0.1% for certain deeds documenting acquisition of a habitual residence and a general 1.4% rate in other cases from 1 June 2026, subject to the detailed statutory rules.

Cost Area	Resale Property	New Build
Main purchase tax	ITP — Valencian rate depends on the transaction and buyer circumstances	VAT — generally 10% for qualifying first deliveries of residential property
AJD	Depends on the document and transaction	Commonly relevant to the notarised new-build purchase; applicable rate must be checked
Lawyer	Professional fee varies	Professional fee varies
Notary	Variable	Variable
Land Registry	Variable	Variable
Technical inspection	Worth considering according to age and condition	Snagging inspection may be appropriate before handover
Mortgage-related buyer costs	May include valuation and buyer-specific finance costs	May include valuation and buyer-specific finance costs
Furniture and improvements	Frequently underestimated	Depends on the developer specification and what is included

Do not ask only, “Can I afford this property?”

Ask: “Can I comfortably complete this purchase and still have sufficient cash after receiving the keys?”

Choose the Costa Blanca Location Before You Choose the Property

A beautiful property can persuade you to compromise on a location you would never have selected first.

That is backwards.

The location determines the routine. The property determines what happens inside it.

Before comparing individual homes, decide whether you need:

year-round town life;
beach walkability;
private villa space;
international services;
schools;
healthcare;
airport convenience;
low maintenance;
quieter surroundings;
reduced car dependence.

A villa ten minutes from the beach by car is not the same lifestyle as an apartment ten minutes from the beach on foot.

A lively summer urbanisation may feel completely different in January.

A spectacular hillside view may also mean steep access, additional driving and less convenient everyday shopping.

Location compromises repeat themselves every day. Interior compromises can often be changed.

Prepare Your NIE, Independent Lawyer and Finance Before You Need Them

The right property can appear before your paperwork is ready.

That creates pressure.

Pressure then creates shortcuts.

A stronger position is to prepare the administrative, legal and financial parts of the purchase before a seller is waiting for your decision.

Get Your NIE Underway

The NIE — Número de Identidad de Extranjero — is the personal identification number assigned to foreigners who have economic, professional, social or other dealings with Spain.

Property buyers should organise it early rather than waiting until completion becomes urgent.

An NIE identifies you. It is not proof that you are resident in Spain.

Appoint an Independent Property Lawyer

Spanish property transactions involve legal, contractual and planning questions that may be unfamiliar to a UK buyer.

Your lawyer should act for you, review documents before important payments and investigate the property independently.

UK government guidance specifically recommends using an independent lawyer specialising in Spanish land law and advises buyers not to sign documents or hand over money before taking independent legal advice.

The notary performs an essential public function in the transaction, but the notary is not a substitute for a lawyer representing your interests.

Investigate the Mortgage Before Making Offers

Do not plan the transaction around an 80%, 90% or 100% mortgage figure you have seen advertised online.

Non-resident lending is profile-specific.

Income, currency, age, existing borrowing, employment, property characteristics, affordability and the particular lender can all influence the result.

The mortgage specialists in the research supplied for this guide repeatedly emphasise preparing financing before house hunting, because the risky sequence is the opposite: fall in love → reserve → commit a larger deposit → discover that the required finance is unavailable.

Passport / ID
NIE process
Proof of address
Bank statements
Income evidence
Tax returns where required
Employment or company documentation
Existing debt information
Deposit funds
Source-of-funds documentation

Mortgage criteria are commercial lending decisions, not buyer rights. Treat any quoted LTV as indicative until your own circumstances have been assessed.

View the Property Like an Owner, Not Like a Tourist

A property viewing is naturally focused on appearance.

A buying decision needs more information.

Do not inspect only the rooms. Inspect the life that comes with them.

Check the Location

Actual walking routes
Road noise
Parking
Steep slopes and steps
Winter sunlight
Orientation
Nearby undeveloped land
Construction activity
Summer traffic
Healthcare
Supermarkets
Public transport
Airport journey

Check the Property

Damp or ventilation issues
Windows and insulation
Air conditioning
Roof or terraces where relevant
Pool condition
Retaining walls
Exterior maintenance
Storage
Parking
Furniture and inventory
Common areas
Lift condition
Planned works

Check the Everyday Costs

Community fees
IBI
Waste charges
Utilities
Pool and garden maintenance
Home insurance
Property management while empty
Security
Transport
Future repairs

Legal due diligence and technical inspection answer different questions.
Where the physical condition of the property matters, consider using an appropriate independent architect, surveyor or technical professional.

STOP Before You Transfer a Reservation Deposit

You have found the property.

The offer has been accepted.

Someone tells you another buyer is interested.

You are asked for a few thousand euros to remove the property from the market.

This is not the moment to stop asking questions. It is the moment to ask better ones.

Before Paying, Know the Answers to These Questions

Who receives the money?
What document are you signing?
Exactly which property is being reserved?
How long is the reservation valid?
Is the payment refundable?
Under which circumstances?
What happens if legal due diligence identifies a serious problem?
What happens if mortgage finance is required but unavailable?
What happens if the seller withdraws?
What happens if you withdraw?
What furniture or inventory is included?
What deadline follows the reservation?
Has your independent lawyer reviewed the wording?

“It is only a small deposit” is the wrong way to assess the risk.

Ask instead: “Am I comfortable losing this amount if the agreement says that I must?”

What Happens When You Sign a Reservation Contract?

A reservation agreement is commonly used to record the buyer’s intention to purchase and to remove a property from active marketing for an agreed period.

Do not assume that every document called a “reservation agreement” works in exactly the same way.

The amount, refund conditions, deadlines and relationship with the subsequent private purchase contract depend on the wording you actually sign.

Important Conditions Should Be Identified Before You Sign

Depending on the transaction, these may include:

satisfactory legal due diligence;
financing;
specific furniture or fixtures;
an agreed completion date;
matters relating to the intended use;
developer documentation;
other conditions important enough that you would not proceed without them.

A verbal reassurance is not a contractual condition.

If something is fundamental to the reason you are buying, ask your adviser how it should be addressed in writing.

Legal Due Diligence: What Should Be Checked Before You Commit?

Due diligence is where the legal reality of the property is compared with the transaction you believe you are buying.

A Mediterranean view cannot tell you whether the seller owns what is being sold, whether registered charges exist or whether an extension was properly authorised.

1. Ownership and Land Registry

Your lawyer may examine the relevant Land Registry information to verify the registered owner, property description and rights or charges affecting the property.

2. Planning and Property Description

Check where relevant:

Registered description
Cadastral description
Planning status
Building licences
Extensions
Pools
Terraces
Garages
Storage
Occupancy documentation
Alterations made by previous owners

3. Community of Owners

For apartments and urbanisations:

Community fees
Outstanding debts
Community statutes
Recent meeting minutes
Approved extraordinary assessments
Potential major works
Lift, façade or roof projects
Relevant restrictions

4. Local Charges and Practical Documentation

IBI status
Relevant municipal charges
Utility information
Existing occupancy where applicable
Seller authority
Transaction documentation

Due diligence is property-specific.
A beachfront apartment, rural villa, resale townhouse and off-plan development do not require identical investigations.

The Private Purchase Contract and Arras: When the Commitment Becomes Serious

After the initial reservation and satisfactory progress on legal checks, many transactions move to a more substantial private purchase agreement.

This is often the point at which a significantly larger payment becomes due.

Do not treat “arras” as a universal contract with one automatic consequence.

The rights and consequences depend on the legal structure and wording of the contract being signed.

Before Signing, Be Clear About

Purchase price
Amount already paid
Amount being paid now
Remaining balance
Completion deadline
Fixtures and furniture
Conditions applying to the transaction
Consequences of buyer default
Consequences of seller default
Mortgage conditions where relevant
Obligations before completion
Who pays which expenses

Do not sign because the next payment is “standard”.
Sign because your adviser has explained what you are committing to and what happens if the transaction does not proceed.

Mortgage, Funds and Pre-Completion Preparation

Between contract and completion, attention moves from choosing the property to making sure the transaction can actually close.

Buyers requiring finance will normally need the bank’s approval process, valuation and final mortgage documentation completed in time for the agreed completion.

Do Not Leave the Funding Plan Until the End

Check:

mortgage approval status;
valuation;
buyer contribution;
taxes and costs;
currency conversion;
transfer limits;
source-of-funds evidence;
required bank documentation;
completion statement;
payment method required at completion.

Currency Is Part of the Purchase

A UK buyer may calculate affordability in pounds while the purchase completes in euros.

Do not compare only the property price. Understand how much GBP is required to deliver the EUR amount needed on the relevant dates.

Exchange rates can move while you are between reservation and completion. Buyers moving large sums should understand the transfer process, fees and timing before the completion deadline becomes urgent.

Completion at the Notary: Signing the Escritura and Receiving the Keys

Completion normally culminates in the signing of the public title deed — escritura pública — before a Spanish notary.

The notarial stage formalises the transfer, but it should not be confused with the independent due diligence completed for the buyer.

By this point, the important questions should already have been resolved.

Completion is not the moment to discover what you bought. It is the moment to formally complete the purchase you already understand.

Before Completion

Check that your professional team has confirmed the required:

Identification
NIE
Contract documentation
Funding
Mortgage documentation where applicable
Seller documentation
Required certificates
Outstanding amounts
Key/inventory arrangements

At or Around Completion

Public deed signed
Purchase funds completed
Keys transferred
Relevant taxes handled
Registration process begins
Utility/administrative handover starts

After Completion: Owning the Property Starts When the Viewing Ends

Receiving the keys feels like the end of the purchase.

Operationally, it is the beginning of ownership.

Post-Purchase Administration

Land Registry follow-up
Tax filings
Utility ownership
Community notification
Direct debits
Insurance
Key holding if the property will be empty
Property management where required

Build an Annual Ownership Budget

Consider:

IBI
Waste charges
Community fees
Electricity
Water
Internet
Insurance
Pool/garden maintenance
Repairs
Security
Management while empty

A property that is affordable to buy should also be comfortable to own.

Resale or New Build in Costa Blanca? The Buying Process Is Not the Same

Both can be excellent choices. The important point is to understand that they expose the buyer to different types of uncertainty.

Buying a Resale Property

Potential advantages:

See the finished property
Inspect the exact views
Experience the neighbourhood
Understand existing community
Potentially faster completion
Existing utilities/infrastructure

Check carefully:

Property condition
Registered description
Unauthorised changes
Community history
Future building works
Existing debts/charges
ITP
Technical condition

Buying New Build or Off Plan

Potential advantages:

Modern design
Energy efficiency
New installations
Modern layouts
Potential customisation
Fewer immediate renovation requirements

Check carefully:

Developer
Building licence
Specifications
Floor plan
Orientation
What can be built nearby
Payment schedule
Guarantee of advance payments
Completion deadline
Handover documentation
Snagging

Resale uncertainty is often about what already exists.
Off-plan uncertainty is often about what does not exist yet.

Buying Off Plan in Costa Blanca: How Are Your Advance Payments Protected?

Buying off plan changes the risk completely: you may be paying substantial amounts before the property physically exists.

The key question is therefore not only what you are buying, but what protects your money between signing the contract and receiving the completed home.

Off-plan risk changes as the project moves from licence and construction to final handover.

01-Check the Building Licence

Before significant off-plan payments are committed, confirm what stage the development has reached and whether the required building licence is in place.

02-Know Where Your Money Goes

Qualifying advance payments should be handled through the appropriate protected structure, including the special account used for the development.

03-Confirm the Payment Guarantee

Your lawyer should verify what bank guarantee or insurance protection applies, who issued it and which payments are covered.

04-Check Before Handover

Before completion, confirm the required documentation, property condition and whether an independent snagging inspection is appropriate.

Buying Property in Costa Blanca After Brexit: 3 Rules You Should Keep Separate

Buying a home, spending time in Spain and becoming Spanish tax resident are three different questions.

Mixing them together is one of the easiest ways for a UK buyer to misunderstand what property ownership actually allows.

01 — OWN

Can I Buy the Property?

Yes. Property ownership is separate from residency.
A British citizen can own a Costa Blanca home while remaining resident in the United Kingdom.

Buying ≠ right of residence

02 — STAY

How Long Can I Stay?

If you do not hold another applicable residence status or long-stay permission, normal Schengen short-stay rules generally limit visits to 90 days in any rolling 180-day period.
Owning the property does not remove that restriction.

Property ownership ≠ immigration permission

03 — TAX

Where Am I Tax Resident?

Spanish tax residency has its own tests.
Spending more than 183 days in Spain during a calendar year is one important criterion, but it is not the only one. Your economic interests and personal circumstances can also matter.

Tax residency ≠ simply counting holidays

There Is No Universal “Magic Moving Date” If the year of your move also involves selling a UK home, accessing investments, changing employment, drawing pensions or transferring substantial assets, get individual cross-border tax advice before fixing your relocation date.

10 Costa Blanca Property Buying Mistakes You Can Avoid

Most expensive mistakes are not dramatic legal disasters.

They begin as small compromises made while the buyer is excited, under-informed or under time pressure.

Location & Budget

Falling for the Property Before Testing the Location

A beautiful home can still create the wrong everyday routine.

Using Your Entire Budget for the Property Price

Taxes, professional costs, furnishing and ownership expenses require additional cash.

Waiting Until You Find the Property to Investigate Finance

Mortgage uncertainty becomes much more stressful once contractual deadlines begin.

Money & Contracts

Paying a Reservation Without Understanding the Exit Conditions

Know when your money is refundable — and when it may not be.

Accepting Verbal Reassurances Instead of Contractual Protection

If something is essential to the purchase, ask how it should be reflected in writing.

Legal & Technical Checks

Treating the Estate Agent as Your Independent Legal Adviser

The professionals involved in a transaction do not all represent the same interests.

Assuming the Notary Replaces Your Lawyer

Formalising the transfer and conducting buyer-specific due diligence are different functions.

Judging Condition from Decoration

A renovated kitchen tells you very little about planning legality, damp, roof condition or future community works.

New Build & Relocation

Buying the Render Instead of Investigating the Development

Check licences, specifications, surrounding land, payment protection and handover requirements.

Confusing Owning a Spanish Home with Living Permanently in Spain

Property ownership, immigration status and tax residency require separate consideration.

You do not need a risk-free purchase. You need an informed one.
The objective is to identify the uncertainties that can be investigated before they become expensive commitments.

How Long Does Buying Property in Costa Blanca Take?

There is no universal Spanish property-buying timeline.

The type of property, financing, documentation and legal findings determine how quickly the transaction can progress.

PREPARE

Budget
NIE
Lawyer
Finance

Remove avoidable uncertainty before serious viewings.

SEARCH

Areas
Viewings
Property comparison

Find the location first, then test individual properties.

COMMIT

Offer
Reservation
Deadlines

Money and contractual obligations begin to matter.

VERIFY

Due diligence
Contract
Mortgage
Funds

Legal and financial work moves the purchase toward completion.

COMPLETE

Notary
Keys
Taxes
Registration

Ownership transfers and post-purchase administration begins.

WHAT CHANGES THE TIMELINE?

RESALE + CASH

Fewer financing stages can make a straightforward transaction simpler.

RESALE + MORTGAGE

Valuation, bank approval and mortgage documentation introduce additional stages.

OFF PLAN

The purchase may begin long before the property is ready for completion.

Your contract sets the dates that matter — not an average timeline found online.

Costa Blanca Buyer Checklist: Are You Ready for the Next Step?

You do not need every answer on day one.

You do need the right answers before each financial commitment.

CHECKPOINT 01

Before Serious Viewings

Intended use defined
Real maximum budget established
Purchase costs considered
Two or three areas shortlisted
Mortgage investigated if required
NIE process considered or underway
Independent lawyer identified

Goal: Know what you are actually searching for.

CHECKPOINT 02

Before Reservation

Location tested
Property viewed critically
Major condition concerns identified
Reservation document reviewed
Refund conditions understood
Essential conditions identified

Goal: Know what happens to your money before transferring it.

CHECKPOINT 03

Before the Private Contract

Ownership investigated
Registered charges checked
Planning/property description reviewed
Community matters considered
Finance sufficiently clear
Contract consequences explained

Goal: Understand the property and the commitment.

CHECKPOINT 04

Before Completion

Funds ready
Mortgage finalised if applicable
Completion figures checked
Required documents confirmed
Keys/inventory arrangements clear
Post-completion administration planned

Goal: Arrive at completion without last-minute surprises.

The best checklist is the one you still follow after you have fallen in love with the property.

Tell Us What You Are Looking For and Where You Are in the Process

You do not need to know exactly which property to buy.

Tell us what you want from the location, your approximate budget and where you currently are in the buying process.

We can use that information to make the next stage of your Costa Blanca research more focused.

WHAT HAPPENS NEXT?

01-You Tell Us

Budget, intended use and current buying stage.

02-We Review the Enquiry

We identify the locations and practical questions most relevant to your search.

03-You Get a Clearer Next Step

Continue researching with a smaller, more relevant shortlist.

Legal, tax and mortgage matters should always be assessed by the appropriate independent professional.

Name

WhatsApp / Phone

Country of Residence

Approximate Property Budget

Buying Stage

Main Intended Use

Mortgage

Areas You Are Considering

What Would You Most Like Help Clarifying?

I agree to the Privacy Policy and consent to being contacted about my enquiry.

Already researching a specific property or location?

Tell us what remains unclear and where you are in the buying process.

Research Costa Blanca Property Areas Before Your Trip

Do not compare towns only by photographs or property prices.

Compare the everyday life each location would create for you.

Costa Blanca North

Mediterranean towns, established coastal communities, varied terrain and a mix of apartments, villas and year-round town life.

Costa Blanca South

Flatter coastal environments in many areas, extensive residential development and strong international communities.

Frequently Asked Questions About Buying Property in Costa Blanca

These are the practical questions that most often affect UK and international buyers before, during and immediately after a Costa Blanca purchase.

1. Can British citizens buy property in Costa Blanca after Brexit?

Yes. British citizens can buy property in Spain. Property ownership and immigration status are separate matters, so owning a Spanish home does not automatically provide a right to live permanently in Spain.

2. Do I need to be a Spanish resident to buy property?

No. Non-residents can purchase Spanish property. Residency can, however, affect taxation, financing and how you intend to use the home.

3. Do I need an NIE to buy property?

Foreign buyers should organise an NIE, the identification number used for foreigners dealing with Spanish administrative and economic matters. Starting the process early can help avoid unnecessary transaction delays.

4. Do I legally need a lawyer?

A lawyer is not universally mandatory for the purchase itself, but independent Spanish property-law advice is strongly recommended for an international buyer.

5. Is the Spanish notary my lawyer?

No. The notary performs an important independent public function, but does not replace a lawyer acting specifically in your interests.

6. What does legal due diligence check?

Depending on the property, checks may include registered ownership, charges, planning status, licences, property description, community matters and other legal issues relevant to the purchase.

7. What tax applies to a resale property in Costa Blanca?

As of August 2026, the general Valencian ITP rate is 9%, rising to a general 11% where the relevant property value exceeds €1 million. Reduced rates and other rules can apply depending on the buyer and transaction.

8. What tax applies to a new-build property?

A qualifying first delivery of residential property by a developer is generally subject to 10% VAT. AJD may also apply depending on the specific transaction and circumstances.

9. Is a reservation deposit automatically refundable?

No. The wording of the reservation agreement matters. Before paying, understand exactly when the money can be returned and when it can be retained.

10. Can a UK non-resident obtain a Spanish mortgage?

Yes, qualifying non-residents can obtain Spanish mortgages. Loan-to-value, affordability, interest rates and conditions depend on the borrower, property and lender.

11. Can I buy without travelling to Spain for every stage?

Potentially. Certain parts of the transaction can be handled through properly authorised representation, including an appropriate Spanish power of attorney. Your lawyer should define its scope.

12. Does buying a house let me stay in Spain for more than 90 days?

Not by itself. British visitors without another applicable immigration status are generally subject to the Schengen 90 days in any rolling 180-day period rule.

Do You Have Costa Blanca Property to Present to International Buyers?

Present suitable properties to international buyers researching the Costa Blanca.

Turn Your Costa Blanca Research Into a Clear Buying Plan

The right property search should become smaller and clearer as you learn more — not larger and more confusing.

Know what you can spend. Know which locations genuinely fit your life. Understand the point at which money becomes committed.

Then you can approach the right property with clarity instead of urgency.