Seville offers some of the best property value among Spain’s major cities, drawing expats who want Andalusian charm without Madrid or Barcelona prices. But the sticker price is only part of the story — buying in Spain carries taxes and fees that can add roughly 10–13% on top. Here’s what to budget for.
The costs beyond the purchase price
- Transfer tax (ITP) — on resale (second-hand) homes, Andalusia charges a property transfer tax; on new-build homes you pay VAT (IVA) plus stamp duty instead.
- Notary and Land Registry fees — to formalise and register the sale.
- Legal fees — an independent lawyer (abogado) to run due diligence and protect your interests.
- Mortgage costs — valuation and arrangement fees if you’re borrowing.
The buying process in brief
- Get your NIE and open a Spanish bank account.
- Agree a price and sign a reservation or deposit contract (contrato de arras).
- Complete due diligence — ownership, debts, planning, and community fees.
- Sign the deed (escritura) before a notary and register the property.
Why due diligence matters
Spanish property can carry hidden debts, planning irregularities, or outstanding community charges that transfer with the home. An independent lawyer — not one recommended only by the seller — is the single best protection against costly surprises.
Plan your purchase
Understand the city first in our Living in Seville guide, read the wider real estate section, and find an independent lawyer or agent in our Insider Directory before you commit.
This article is general information, not legal or financial advice. Tax rates vary by region and change over time.
Leave a Reply