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Step 1 – Find the Right Property
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Buyer's Guide · Puerto Banús · Marbella
Buying Property in Puerto Banús
Buying a property in Puerto Banús is straightforward when you have the right team by your side. Our step-by-step guide explains the entire process, from your first property viewing to collecting the keys to your new home.
The Process
13 steps from search to keys
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Step 2 – Contact Our Team
Once you've found properties that interest you, we'll arrange private viewings. If you're visiting Marbella for only a few days, we'll prepare a personalised viewing schedule to maximise your time.
We'll also answer questions about location, community fees, taxes, rental potential, lifestyle and investment.
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Step 3 – Property Viewings
We personally accompany you to every viewing and explain pros, cons, community, future developments, running costs and rental regulations.
Our goal is to help you make an informed decision — not pressure you into buying.
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Step 4 – Make an Offer
When you've found the right property, we'll negotiate directly with the seller on your behalf. We advise on current market value, comparable sales, negotiation strategy and best offer.
Once a price has been agreed, the reservation process begins.
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Step 5 – Appoint an Independent Lawyer
We always recommend using an independent Spanish property lawyer. If you already have one, we'll happily work together. If not, we can introduce experienced English-speaking lawyers we trust.
Your lawyer will verify ownership, check debts, check licences, review contracts and handle legal paperwork.
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Step 6 – Apply for an NIE Number
Every foreign buyer needs an NIE number (Número de Identificación de Extranjero). This is required to buy property, pay taxes, open a bank account and connect utilities.
Your lawyer can usually arrange this on your behalf.
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Step 7 – Spanish Bank Account
Most buyers open a Spanish bank account before completion. This makes it easier to pay purchase costs, community fees, utilities and property taxes.
We can introduce trusted local banks with English-speaking staff.
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Step 8 – Mortgage (If Required)
If you require financing, we can introduce experienced mortgage brokers and local banks. Many international buyers successfully obtain Spanish mortgages.
The amount available depends on residency status, income, nationality and property value.
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Step 9 – Reservation Agreement
Once the price is agreed, a reservation agreement is signed. A reservation deposit is normally paid to remove the property from the market while legal checks are completed.
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Step 10 – Legal Due Diligence
Your lawyer will review ownership, debts, planning permissions, community information, licences and registry information.
Only once everything is approved does the purchase move forward.
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Step 11 – Private Purchase Contract
The private purchase contract sets out the agreed terms. At this stage, buyers typically pay a larger deposit before completion.
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Step 12 – Completion at the Notary
Completion takes place before a Spanish Notary. The remaining balance is paid, the title deed is signed and ownership officially transfers to you.
Congratulations — you now own your property in Puerto Banús.
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Step 13 – After Completion
After completion your lawyer will normally arrange registration, taxes, utility transfers, community registration and direct debits.
All that's left is collecting your keys and enjoying your new home.
Purchase Costs
Want to know exactly how much you'll need?
Model transfer tax, notary fees, legal costs and a mortgage estimate — down to the euro.
Purchase Cost CalculatorBrowse Properties
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8 Bedroom Penthouse for Sale in Puerto Banús
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4 Bedroom Ground Floor Apartment for Sale in Puerto Banús
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Frequently Asked Questions
Buying in Puerto Banús · FAQ
Can foreigners buy property in Spain?+
Yes. There are no restrictions on foreign buyers purchasing property in Spain. You simply need an NIE (foreigner identification number) and, typically, a Spanish bank account to complete the transaction.
Do I need an NIE number?+
Yes. Every foreign buyer must obtain an NIE (Número de Identificación de Extranjero) to buy property, pay taxes, connect utilities and open a Spanish bank account. Your lawyer can arrange it on your behalf.
Can I get a mortgage?+
Many international buyers obtain Spanish mortgages. Non-residents typically finance up to 60–70% of the property value; residents may borrow more. We introduce trusted local banks and mortgage brokers.
How long does the buying process take?+
From reservation to completion typically takes 4–8 weeks, depending on legal due diligence, mortgage timing and the seller's readiness. Cash purchases can complete faster.
Can I buy remotely?+
Yes. By granting Power of Attorney to your Spanish lawyer, you can complete the entire purchase remotely — including signing at the notary — without travelling to Spain.
What taxes will I pay?+
For resale properties, the main cost is Transfer Tax (ITP), typically 7% in Andalusia. New-build properties are charged VAT (IVA) at 10% plus Stamp Duty (AJD) at 1.2%. Use our Purchase Cost Calculator for a full breakdown.
Do I need a lawyer?+
We strongly recommend appointing an independent Spanish property lawyer. Your lawyer verifies ownership, checks debts and licences, reviews contracts and handles all legal paperwork on your behalf.
Can you recommend a bank?+
Yes. We introduce trusted local banks with English-speaking staff who regularly work with international buyers, making it easy to open an account and manage utilities, community fees and taxes.