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If you are thinking about buying a property in Spain, whether for investment, to enjoy your holidays or for your retirement, you should be well advised and informed of the steps and circumstances that can occur, thus avoiding encountering any unpleasant last minute surprises.


We provide help in the arrangement of Spanish Mortgages


We can provide you with tailored assistance in arranging your Spanish mortgages, through some of the major Spanish Banks. This would be included with the fixed Legal Costs for purchasing.


  • Step 1 - Property Searches: We attend to searches to find out what the legal situation of the property is, in order to confirm whether or not it is encumbered, whether there are any facilities or difficulties attached to its purchase, obtaining registry and urbanistic certificates to verify the state of the property, and also the legal owner of the property. In addition we check the situation with utilities connected to the property, applicable community fees and local taxes due on the property.

  • Step 2 - Reservation Agreement: The first stage in reserving a property, usually associated with a deposit.

  • Step 3 - Private Purchase Contract: We draft or revise the private sale agreement before signing the Public Deed at the notary office. In Spain the private sale agreement is extremely important. We cannot emphasize enough this point. Agreements made in this Private Purchase Contract are binding at the time of signing for the Title Deeds – Price, Conditions and Timescales.

  • Step 4 - Power of Attorney: Can be prepared in Spain or in your own country of origin, if required. We can arrange with a local notary most convenient to where you live.

  • Step 5 - NIE: We can assist with obtaining the Foreigners Identification Number (NIE) – this is an identification number used in Spain assigned to each person, and is a requirement for the purchase. This is done in person, or by Power of Attorney.

  • Step 6 - Finance: We can provide advice and assistance regarding financing – mortgages and bank accounts.

  • Step 7 - Notary: Preparation of and signing of the corresponding Deed of Purchase at the Notary, accompanying and translating for the client, or signing by Power of Attorney.

  • Step 8 - Taxes: Liquidation of corresponding taxes, depending on the type of property, value, and the region of Spain. For example:

    Type of Property Region Applied tax
    New build   (VAT 10% paid by constructor)
      Comunidad Valenciana (Alicante-Valencia-Castellón) 1.5% “Actos Jurídicos Documentados” (Stamp duty)
      Madrid 0.76% “Actos Jurídicos Documentados” (Stamp duty)
      Andalucia 1.5% “Actos Jurídicos Documentados” (Stamp duty)
    Resale   “Transmisiones Patrimoniales” (Property transfer tax)
      Comunidad Valenciana (Alicante-Valencia-Castellón) 10%
      Madrid 6%
      Andalucia Upto 400,000€ at 8%, between 400,001€ and 700,000 at 9%, and 700,001 and above at 10%
  • Step 9 - Registry: Change of title of the property at Cadastral and Registry offices. Please note that registry and notary fees vary depending on the property and region, but as a guide are around 1-1.5% of the property price.

  • Step 10 – Title Change: Ensuring the utilities, Community Fees (if applicable), IBI (Local taxes) and Townhall taxes (Rubbish and sewage) are changed into the clients name, and set up correctly with the bank.



  • Clear & Simple Legal Advice: Contact us directly for a consulation free of charge and without obligation.

  • Independant Legal Advice: You can depend upon information provided soley in your own best interests.

  • Recommended: JLCA & As.-Lawyers are listed as recommended lawyers with the British Embassy, US Embassy and Irish Embassy, as well as being members of regulated legal bodies such as the IBA (International Bar Association).

  • Qualified Legal Representatives: Our staff comprises of fully qualified lawyers experienced in conveyancing matters, and can provide you with comprehensive information detailing estimations of costs and taxes involved, as well as clear and concise explanations of the process itelf.

  • No language barriers: Our office staff include native speakers from the UK and US, in Spanish, as well as French, German, Russian and Swedish, so you can be confident of full understanding during the process.

  • Importance of Customer Service: A high level of client attention is provided throughout the process, to ensure clear understanding and confidence.

  • Offices: We have offices based in Gran Alacant-Alicante, Marbella, Madrid, Barcelona, London and associate offices in Paris, Brussels, Miami and Moscow – we cover the whole Spanish jurisdiction, including the Balearic Islands and the Canary Islands.

United Kingdom  Buying Property in Spain France  Acheter un Appartement en Espagne Россия  покупка недвижимости в испании
Deutschland  Kauf von Immobilien in Spanien

JLCA & AS.-LAWYERS, S.L.U. Avda. Escandinavia 72, C.C. Altomar 2 L8 Manzana E, 03130-GRAN ALACANT-ALICANTE-SPAIN

Insc. Reg. Merc. Alicante, Tomo 2574, Folio 43, Sección 8, Hoja A-72268, Inscripción 1º - C.I.F. B-53696050