Spain713k
homes sold in 2025 (+11.4 %) – INE
The most liquid market in the Mediterranean. Foreign buyers make up a record 16 % of purchases (Q2 2026): when you sell, the buyer exists.
Costa del Sol · Costa Blanca · Costa Cálida · Barcelona
Mediterranean apartments from €205,000, houses with pools from €370,000. Spanish prices rose 12.9 % in 2025, foreign buyers make up a record 16 % of the market, and 96.8 million tourists fill your rental. You buy in the EU, in euros, with a non-resident mortgage – and with our team on the ground that guides more than 1,500 buyers a year to their keys. Visa-free for Bosnian citizens for up to 90 days.
Spain is where foreigners have been buying for 60 years – because everything works: the law, the banks, the airports, the hospitals. And because the sun never stops.
Emotion brings you to the coast. Numbers keep you there. Here are the numbers – and three things you must know before you buy.
homes sold in 2025 (+11.4 %) – INE
The most liquid market in the Mediterranean. Foreign buyers make up a record 16 % of purchases (Q2 2026): when you sell, the buyer exists.
price growth in 2025 (INE), +15 % in Alicante and Murcia
Spain builds 130,000 homes a year fewer than it needs (deficit of 730,000). Scarcity supports prices – and your capital.
gross rental yield (Barcelona 7.4 %, Murcia 6.1 %)
Long-term rental in the cities, holiday rental on the coast – 96.8 million tourists and €134.7 bn of spending in 2025.
average mortgage rate (June 2026)
Non-residents get 60–70 % financing from Spanish banks. Leverage that Türkiye and Cyprus do not offer.
tourists in 2025 – the second most visited country in the world
Catalonia 20 m, Balearics and Canaries 15.7 m each. Costa del Sol: 320 days of sun.
visa-free for Bosnian citizens (Schengen, 90/180)
Buying does not grant residence (the Golden Visa ended in April 2025), but the Non-Lucrative Visa with €2,400/month of income gives residence for the whole family.
Transfer tax 7–10 % (resale) or VAT 10 % + stamp duty 1.2–1.5 % (new-build), notary, registry, lawyer. In Spain you budget price + 12 %. We calculate it before you reserve.
Since July 2025 every holiday rental needs a national registration number; since April 2025 a building can ban new holiday lets (60 % of votes); Barcelona phases out licences by 2028, Málaga has a moratorium in 43 districts. For rental income, choose a property with a licence or long-term tenancy.
As a citizen of a non-EU country you pay 24 % on gross rental income (no deductions) and an “imputed” tax even when you do not rent out. On sale: 19 % on the gain, the buyer withholds 3 %. We calculate net, not gross.
Pick a goal – the page will highlight the coasts and properties that fit it.
Long-term rental in a city or holiday rental on the coast – with licence, management and tax included.
+13–16 % a yearBuy where prices rise 13–16 % a year and supply is below demand.
320 days of sunSummers, retirement or remote work in the EU – 320 days of sun, 2.5 hours by air.
NLV €2,400/monthNon-Lucrative or Digital Nomad visa with your own address in Spain – permanent residence after 5 years.
Each coast sells a different life – and a different return. Choose yours.
Málaga · 320 days of sun · 37 % of buyers are foreign · the priciest and most liquid coast
The California of Europe: Marbella, Estepona, Fuengirola, Mijas.
Goal: Second home · Capital growth · Residence
Properties on the Costa del SolAlicante · Torrevieja · Orihuela Costa · Altea · Benidorm · 46 % of buyers are foreign
The most foreign buyers in Spain – and prices still rising 15 %.
Goal: Rental · Capital growth · Second home
Properties on the Costa BlancaMurcia · Los Alcázares · San Pedro del Pinatar · La Manga · fastest price growth (+16 %)
Mar Menor, golf resorts and the lowest price per m² on the Mediterranean.
Goal: Rental · Capital growth
Properties on the Costa CálidaBarcelona · Maresme · Costa Brava · 20 m tourists · 7.4 % gross yield
A metropolis by the sea – the highest long-term rental yield.
Goal: Rental (long-term) · Residence
Properties in BarcelonaMM Real Estate · Málaga and Alicante
Our partner network in Spain has offices in Benalmádena (Málaga) and Orihuela Costa (Alicante), more than 800 properties on offer and over 1,500 buyers a year. Licensed lawyers run the legal check, obtain your NIE number, open your bank account and coordinate the notary and the Land Registry – and we guide the whole process in your language.
We work with licensed lawyers, offices on the ground and after-sales service. Every new partner goes through the same check.
A selection from our portfolio: new-builds and completed properties on four coasts. Prices and dates are per the October 2026 offer. Filter by destination.
Change the assumptions and see what your apartment in Spain really returns – including purchase costs and a mortgage. Illustrative; exact figures come with the feasibility study.
Assumptions: linear value growth, rent without indexation, costs include non-resident income tax where stated. Taxes differ by autonomous region – the exact amount is confirmed by the lawyer.
Ownership, charges, permits, rental licence and community costs are checked by our licensed lawyer in Spain – before you pay a deposit.
Consultation, contract and handover in your language. Team in Sarajevo, partner offices in Málaga and Alicante.
NIE, bank account, tax representative, rental management and resale. EU ownership without permanent residence.
Goal, budget (price + 12 % costs), horizon. Output: investment profile and a shortlist of coasts.
On site in Spain with our agent (we organise the trip) or by video.
Deposit of €3,000–6,000, the property comes off the market, price locked.
We obtain your NIE number and open a Spanish bank account – 1–2 weeks.
The lawyer checks ownership and charges; private contract (arras) with a 10 % deposit.
Signing of the escritura at the notary, payment of the balance (or mortgage), keys the same day.
Registration at the Land Registry, taxes, utilities, optional rental management.
| Item | Amount | Note |
|---|---|---|
| Transfer tax (ITP) – resale | 7–10 % | Andalusia 7 %, Murcia 8 %, Valencia and Catalonia 10 % |
| VAT (IVA) – new-build | 10 % | + AJD stamp duty 1.2–1.5 % (by region) |
| Notary | €600–1,200 | Tariff, depends on price |
| Land Registry | €400–700 | Registro de la Propiedad |
| Lawyer | 1 % + VAT | Due diligence, contract, NIE, representation |
| NIE and gestor | €15 + €100–300 | Foreigner identification number |
| Total | 10–14 % of price | Resale 10–12 %, new-build 12–14 % |
| Item | Amount | Note |
|---|---|---|
| IBI (property tax) | 0.4–1.1 % of cadastral value | Usually €300–1,200 a year |
| Community fees | €50–250 per month | Higher in resorts with pools |
| Non-resident tax (no rental) | 1.1–2 % of cad. value × 24 % | Usually €100–400 a year |
| Rental income tax | 24 % gross (Bosnia, non-EU) | EU residents: 19 % on net |
| Tax on sale | 19 % on the gain | Buyer withholds 3 % of the price on account; + municipal Plusvalía |
Yes, without restrictions and in your own name, with the same rights as Spaniards. You need an NIE number (foreigner identification number), which we obtain for you, and a Spanish bank account. You enter Spain visa-free for up to 90 days in 180.
Usually 4–8 weeks from viewing to registration of ownership; 2–4 weeks if the NIE and bank account are ready. A mortgage adds about a month.
Yes. Spanish banks (Santander, CaixaBank, Sabadell, Unicaja) finance non-residents at 60–70 % of value, with proof of income and tax returns. The average rate in 2026 is around 3 %.
No – the Golden Visa ended on 3 April 2025. Residence comes through the Non-Lucrative Visa (proof of income of €2,400/month + €600 per family member, no work in Spain) or the Digital Nomad Visa (work for a foreign employer). Owning a property makes both easier.
It depends on the property: you need a national registration number (since July 2025), a regional licence and – in buildings – a community of owners that has not banned holiday lets. Before you buy we check whether the property has or can get a licence; in Barcelona licences end in 2028.
Annual IBI and community fees; as a non-EU non-resident 24 % on gross rental income, or an “imputed” tax if you do not rent out. On sale 19 % on the gain (the buyer withholds 3 % on account). We appoint a tax representative who files everything.
Direct flights from the region (Belgrade, Zagreb, Tuzla in season) to Málaga, Alicante and Barcelona, or via Vienna, Istanbul and Munich. Málaga airport is 30 min from Marbella, Alicante 40 min from Torrevieja.
Tell us why you are buying – rent, growth, a second home or residence – and you get an investment profile, a shortlist of coasts, a cost and mortgage calculation and numbers you can verify. No obligation.
We will get back to you the same working day with a consultation slot.
Data are from the listed sources, verified in October 2026. Prices per m² are asking prices (RealAdvisor/Idealista, Q3 2026) or registered prices (Registradores, Q2 2026); price growth per the INE index. Yields are gross (annual rent / price). Property prices are from the current offer and may change.
Pexels (free licence) – authors listed in data/media.js; property photos: MM Real Estate portfolio.