When purchasing a property in Spain, the purchase price is not the only cost to consider.
Additional expenses such as transfer tax, notary fees and legal costs determine your total budget.
For properties in Costa Blanca North (Dénia, Jávea, Moraira, Calpe), the regional rates of the Comunidad Valenciana apply.
When buying an existing property in Spain, you pay transfer tax (Impuesto de Transmisiones Patrimoniales – ITP).
In the Comunidad Valenciana, the standard rate is generally 10% of the purchase price.
In specific situations, a reduced rate may apply (for example, when purchasing as a primary residence and meeting certain conditions).
Important: the tax is calculated based on the official reference value, which can be higher than the actual purchase price.
Notary fees depend on the purchase price stated in the deed. On average, they range between 0.1% and 0.5%.
After signing, the property must be registered in the Spanish Land Registry (Registro de la Propiedad). Registration costs usually range between 0.3% and 0.7%.
The Catastro records technical data (surface, location).
The Land Registry records legal ownership.
For buyers, the Land Registry registration is legally decisive.
Hiring a lawyer is not legally mandatory, but strongly recommended.
Legal fees generally range between 1% and 2% of the purchase price.
A specialised real estate lawyer verifies:
Even after completion, I remain available. I am happy to assist you with transferring utilities, arranging insurance and handling practical matters so you can start your new life in Costa Blanca North with complete peace of mind.
Example: You purchase a resale property for €350,000 in the Comunidad Valenciana.
• ITP (10%): €35,000
• Notary & registration: approx. €3,000 – €4,000
• Lawyer (1%): approx. €3,500
Estimated total additional costs: approximately €41,000 – €45,000.
This is an indicative example. The exact costs depend on your situation, financing structure and property type.
Residence status, financing and property type significantly influence your final costs.
If you would like a clear and personalised cost calculation for Costa Blanca North, I will gladly review it with you.