What were your top worries when buying a property in Spain?

Last Updated on March 18, 2026 by Bruno Bianchi

Question

What are your were your top worries when buying a property in Spain?

Answers

These are the answers of some Facebook group members.

“That banks will loan you only 70% of the cost, you need to put 30% upfront.”

“Apart from tough mortgage access (usually a 20% of upfront cash payment), I would say 10% of property price of upfront costs (tax, commissions, etc) when you buy. In the US you pay those costs when you sell, not when you buy.”

“30% deposit, 10% government tax, 4% real estate fees, 1% solicitor fees, effectively 45% of the costs of the property up front with some additional fees. The hassle and effort involved to get a mortgage is extremely intense also. Just bought a home but yeah it wasn’t easy. Worries around rights if not spanish, deeds etc.”

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Shaheen Samavati

Shaheen Samavati is a pivotal figure at SpainGuru, where she brings her profound understanding of Spanish immigration to the forefront. Her journey in Spain began when she arrived in Madrid to pursue her studies at IE Business School. Over the years, Shaheen has not only immersed herself in the Spanish culture but has also become a trusted resource for expats. Through her active participation in the "American Expats in Spain" Facebook group and her role as a content manager for Spotahome.com, she has consistently provided invaluable insights to the expat community.

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