Fees & costs· 12 min read
Spain property purchase costs: taxes, notary and more
What you pay beyond the price: ITP or VAT, AJD, notary, registry, agency and mortgage costs — with links to our purchase-costs calculator.
In this guide
- New build vs resale tax map
- Notary, registry and gestoría
- Mortgage-related costs
- Regional differences (high level)
- How to use the calculator
The asking price is not what you pay. Spanish purchases add taxes, notary, registry, gestoría and — if financed — mortgage-related costs. This guide gives English-speaking buyers a map, then points you to our purchase-costs calculator for a first numeric pass.
Cost map at a glance
Split costs into three buckets: taxes on the purchase, transactional fees (notary/registry/gestoría), and mortgage costs if you borrow.
Orientation — confirm rates for your autonomous community
| Bucket | Typical items | Paid when |
|---|---|---|
| Taxes | ITP (resale) or VAT + AJD (many new builds) | Around completion |
| Transaction | Notary, land registry, gestoría | Completion / shortly after |
| Mortgage | Valuation, arrangement if any, related products | During underwriting / signing |
| Other | Agency fees if buyer-paid, community debts cleared | Per contract |
New build vs resale
Resales usually attract transfer tax (ITP) at regional rates. New builds often attract VAT (IVA) plus stamp duty (AJD) — percentages and exemptions vary.
Never copy a friend’s invoice from another region. Balearic, Madrid, Valencian and Andalusian rules differ.
Notary, registry and gestoría
Notary fees follow regulated scales related to deed value. Registry records the new owner (and mortgage). A gestoría often handles tax presentation and registry filing for a fee.
Ask for a written estimate once the price and financing structure are known.
Mortgage-related costs
Valuation is almost always required. Arrangement fees are less common than a decade ago but still appear. Insurance linked to the loan may be optional or incentivised — read the FEIN carefully.
Intermediary fees (ours from €4,000) are separate from bank fees and should be quoted in writing before work starts.
How to use our purchase-costs calculator
Enter price, property type and region for a ballpark. It is not a tax opinion and does not replace your lawyer or notary quote.
Open the calculator: /en/purchase-costs-calculator/.
Cash planning for non-residents
International wires need time and AML paperwork. Keep a buffer above the calculator output for FX moves and last-minute registry invoices.
Sources
FAQ
- Does the mortgage cover taxes?
- Usually not. Taxes and most transactional fees come from your cash. LTV applies to property value, not to the tax bill.
- Are agency fees paid by the buyer?
- Custom varies. Read the mandate. Seller-paid commission is common in some markets; buyer fees appear in others.
- Where do I see SkyFS fees?
- On /en/fees/ — from €4,000 with a written quote. They are intermediary fees, not government taxes.
Next step
Want a case review with real numbers?
Registered intermediary (Banco de España D286). 20+ banks. Fees from €4000, in writing. No approval promises.