Buying or selling on the Costa Blanca · total cost in one number
Buying or selling on the Costa Blanca costs a lot more than the asking price, and most people only find out at signing. We give you the real all-in cost in a single number, with no surprises on signing day. We handle everything; you just sign.
- · Licensed advisor in the Valencia Region
- · Up-to-date ITP/AJD rates for CV & Murcia
- · Municipal plusvalía calculated per town hall
Étape 1 sur 3 · Location
Where is the property?
Costa Blanca · Costa Cálida. Tax breaks vary by region and town.
What you pay, explained
A property sale has costs for both buyer and seller. These are the usual items on the Costa Blanca; the exact figures depend on price, municipality and your situation. We handle them all; you just sign.
Buyer's costs
| Item | Indicative amount |
|---|---|
| ITP · resale homeThe main tax when buying a resale home. There are reduced rates many people qualify for; we check whether they apply to you. | 10% (CV) · reduced 8% possible |
| VAT · new buildThe tax you pay instead of the above when buying a new build from the developer. | 10% |
| AJD · new build / mortgageA tax that comes with a new-build purchase or a mortgage. We factor it into your total cost. | 1.5% (CV) |
| NotaryThe cost of signing the deed before a notary. There is usually room for a discount and we secure it for you. | ≈ €600–1,000 |
| Land registryWhat it costs to have the home officially registered in your name. | ≈ €400–700 |
| spainfiscal feeOur end-to-end service: we give you the cost as a closed number and handle everything so you just sign. | 1% + VAT (min. €1,000) |
| NIE (if foreigner)Essential to buy if you are a foreigner. We get it for you and take the paperwork off your hands. | ≈ €10 fee + service |
| Valuation (if mortgaged)Valuation required by the bank if there is a mortgage. Not needed if you buy in cash. | ≈ €300–500 |
Seller's costs
| Item | Indicative amount |
|---|---|
| Municipal plusvalíaPaid by the seller, and every Costa Blanca town hall has its own rules. We calculate and handle it for you. | Depends on town hall |
| Withholding on a non-resident sellerWhen the seller is non-resident, part of the price is held back as a guarantee. We coordinate it so everything adds up. | 3% of price |
| IRNR on the gainIf the seller is non-resident, there is tax on the gain made from the sale. We calculate it and get it sorted. | 19% (EU/EEA non-residents) |
| Agency commissionThe estate agency fee, usually paid by the seller. Optional if you sell privately. | ≈ 3–5% + VAT |
| Energy certificate (EPC)A document required in order to sell. We arrange it for you so you don't have to look for anything. | ≈ €80–150 |
| Habitation certificateA document needed to transfer the home in the Valencia Region. We handle it for you. | ≈ €80–120 |
| Mortgage cancellationIf you still have a mortgage, it must be officially cancelled. We take care of the whole process. | ≈ €300–1,000 |
Indicative figures, not official, subject to verification by a licensed advisor. The calculator above gives you the breakdown tailored to your case.
Pricing
Property purchase · advisory + filings
Cost breakdown + tax filings + closing coordination
1% + VATmin. €1,000 + VAT
- · Full cost breakdown (ITP/AJD/notary/registry/plusvalía)
- · We handle every purchase tax with the authorities
- · Notary + registry coordination
- · We resolve the special tax situation if the seller is non-resident
What our conveyancing service covers
Included
- We give you the real all-in cost in a single number, with no surprises
- We handle every purchase tax with the authorities for you
- We coordinate the signing and registration so you don't have to chase anything
- We handle the special tax situation when the seller is non-resident, so the sale doesn't stall
- We get your NIE and represent you in Spain if you are non-resident
Not included
- Notary and registry payments (paid directly to the professional)
- The tax amounts themselves — we calculate and handle them, the money is paid by the client
- Lawsuits or litigation (we refer you to a trusted partner lawyer)
FAQ · buying property on the Costa Blanca
- How much does it cost to buy on the Costa Blanca?
- Buying on the Costa Blanca usually costs 10-13% on top of the property price. That range covers the purchase tax (resale home or new build), notary, registry and our fee. We give you one closed number so there are no nasty surprises.
- What ITP applies in Valencia and Murcia?
- The transfer-tax rate in Valencia and Murcia depends on the region and your personal situation, and there are reduced rates many people qualify for and never claim. We check whether they apply to you and save you whatever we can, with no homework on your side.
- How does the plusvalía work in Torrevieja, Orihuela or Benidorm?
- The municipal plusvalía is paid by the seller, and every Costa Blanca town hall (Torrevieja, Orihuela, Benidorm) sets its own rules and rates. We calculate and handle it for you so nobody gets hit with an unexpected charge.
- Do I need a NIE to buy?
- Yes: every foreigner needs a NIE to buy a property in Spain. It is the step that stops a lot of people; we get it for you and take the paperwork off your hands.
- What if the seller is non-resident?
- If the seller is non-resident, their tax side is special and, handled poorly, can even hold up the sale. We resolve it for you from start to finish, with no surprises or delays.
- New vs resale?
- A new build and a resale home are taxed differently, so the final cost changes depending on which you buy. We work it out for your specific case and tell you exactly how much you will need.
- How long does it take?
- A purchase usually completes within a few weeks from offer to signing. We coordinate each step so it runs as smoothly as possible and you do not have to chase anyone.
- Can a Brit buy post-Brexit?
- Yes, a British buyer can purchase in Spain post-Brexit with no restrictions. The only thing that changes is the tax side, and that is exactly where it pays most to have someone handle it for you. We take care of it.
- Do I need to be in Spain to sign?
- No, you do not need to be in Spain to sign: you can leave it with a trusted representative who signs on your behalf, without getting on a plane. We explain how, simply.
- What property documents are needed?
- Signing requires certain documents about the property, and gathering them in time is what prevents delays at signing. We give you a clear list and walk you through it stress-free.
Conveyancing by municipality · Costa Blanca
What it costs to buy or sell in each municipality, explained clearly.