Home Frequently Asked Questions

Whether you are considering your first purchase in Spain, preparing to sell, evaluating an investment or planning a move to Marbella, the right information helps you make better decisions.

Use the categories below to navigate directly to the information you need. For more detailed guidance, each section connects to our Buyer’s Guide, Seller’s Guide and other resources.


Key questions about eligibility, paperwork, mortgages, purchasing remotely and the typical acquisition process.

Yes. Spain allows non-residents of any nationality to buy and own property. Spanish residency is not required to complete a purchase.

Yes. The NIE, or Número de Identificación de Extranjero, is required to complete the purchase, pay taxes and register ownership.

At minimum, you will need a valid passport and NIE. In practice, buyers should also prepare banking and compliance documents such as proof of income, proof of funds and information regarding the origin of funds.

Your lawyer and bank will confirm the exact requirements for your circumstances.

As a general planning range, buyers should allow approximately 8,5%–9,5% above the purchase price for a resale property and approximately 12–13% for a newly built property.

Actual costs depend on the property, tax treatment, legal structure and financing.

Yes. Spanish banks can finance non-resident buyers, subject to income, affordability, nationality, property valuation and internal bank policy. Financing is generally calculated on the lower of the purchase price or bank valuation.

Yes. Video viewings, electronic document exchange and a notarised power of attorney can allow much of the process to be handled remotely. We nevertheless recommend visiting the property personally whenever possible.

A straightforward resale transaction often completes within approximately four to eight weeks after agreement, although the timing depends on due diligence, financing, documentation and the terms negotiated with the seller.


Practical answers about preparation, required documents, agency fees, marketing and the factors that influence sale time.

The timeline depends on price, location, condition, presentation, demand and the strength of the marketing strategy. Correctly positioned properties generally attract serious buyers more quickly.

In most Marbella transactions, the seller pays the agreed estate agency fee, unless a different arrangement has been made in writing.

Typical documentation includes the title deed, Nota Simple, latest IBI receipt, community fee confirmation, energy performance certificate and, where applicable, the First Occupation Licence or equivalent planning documentation.

Yes. A valid Energy Performance Certificate is generally required when marketing and selling a property.

Our marketing strategy can include professional photography, video, international property portals, targeted digital campaigns, direct buyer outreach, social media, our international Chestertons network and, where appropriate, discreet off-market exposure.

Not always. Some homes benefit from targeted improvements, staging or cosmetic updates, while others are better positioned as renovation opportunities. We assess each property in relation to its likely buyer profile and resale potential.


A concise overview of purchase taxes, annual ownership costs and taxes that may apply when selling.

The applicable taxes depend mainly on whether the property is a resale or a new build, and on the buyer’s legal and tax profile. Resale properties are generally subject to Transfer Tax, while newly built homes are generally subject to VAT and Stamp Duty.

Andalusia has offered reduced transfer tax treatment in certain cases for qualifying property professionals purchasing for resale. These regimes are strictly regulated and can change, so eligibility should always be confirmed with a qualified tax advisor before purchase.

Capital Gains Tax may apply to the profit made on sale. The calculation depends on acquisition cost, eligible expenses, sale costs, ownership profile and tax residency.

Plusvalía Municipal is a local tax connected to the increase in the cadastral value of the land during the period of ownership. It is normally paid by the seller, unless otherwise agreed.

  • IBI municipal property tax
  • Community fees, where applicable
  • Waste collection tax
  • Utilities and insurance
  • Maintenance and property management
  • Resident or non-resident income tax obligations, where applicable

When a non-resident sells Spanish property, the buyer is generally required to retain 3% of the sale price and pay it to the Spanish Tax Agency on account of the seller’s potential tax liability.


Questions about areas, schools, healthcare, rentals, renovations and year-round life in Marbella.

The best area depends on lifestyle, budget and intended use. Popular prime locations include the Golden Mile, Sierra Blanca, Nueva Andalucía, La Zagaleta, El Madroñal, Guadalmina and selected areas of Estepona.

Yes. Marbella and the wider Costa del Sol offer a strong selection of international schools with British, international and other European curricula.

Yes, subject to applicable community rules, local planning restrictions, registration requirements and Andalusian rental regulations. Holiday rentals require particular attention to licensing and compliance.

Yes, subject to planning, community and technical requirements. Through our local partners, buyers can access architecture, interior design, construction and renovation guidance.

Yes. Marbella combines a mild climate, international community, quality schools, healthcare, restaurants, sports facilities and direct access to Málaga Airport.

Yes. A technical architect, architect or qualified surveyor can inspect the structure, installations, waterproofing, roofing and other technical aspects before purchase, particularly for older homes or renovation projects.


Our detailed guides explain the purchase and sale process in greater depth, with practical steps tailored to the Marbella market.

This FAQ is intended as a general guide only. Legal, tax, immigration, rental and planning rules can change and may apply differently depending on the property and the individual.

Chestertons Marbella always recommends obtaining advice from qualified independent lawyers, tax advisors, architects and other relevant professionals before making a decision.

Our advisors are happy to help with any questions about buying, selling or investing in Marbella.

Jorden Meirsman

Managing Director

+34 623 54 29 01

jorden@chestertonsmarbella.es