Buying Property in Valencia 2026
Step-by-step guide for expats buying in Valencia: NIE, mortgage, notary, and key handover.
Step-by-Step Buying Process
From NIE to keys - the complete process for expat buyers.
Get Your NIE
Required for any financial transaction in Spain.
Open a Spanish Bank Account
Needed for taxes, fees, and purchase payments.
Find Your Property
Visit in person and verify the Nota Simple before committing.
Reservation and Arras
Sign reservation and arras contract, then pay the deposit.
Arrange Mortgage
Non-residents usually get 60-70% LTV, residents up to 80%.
Notary Signature
The escritura publica is signed and the purchase is completed.
Land Registry
Ownership is formally recorded at the Registro de la Propiedad.
Costs Breakdown
Plan around 12-15% on top of the purchase price.
| Cost Item | Amount / % | Notes |
|---|---|---|
| Transfer Tax (ITP) | 10% | Applied to resale properties in Valencia. |
| Notary Fees | 0.5-1% | Regulated fees linked to property value. |
| Land Registry | 0.1-0.25% | Registration fee for ownership transfer. |
| Legal Fees (Abogado) | 1-1.5% | Due diligence and legal checks by an independent lawyer. |
| Gestor Fees | €300-€600 | Administrative handling of filings and paperwork. |
| Mortgage Costs | 1-2% | Valuation and financing setup costs. |
Calculate Your Total Purchase Cost
Move the sliders for your target price and property type. We'll show every closing cost and the cash you'll need at signing, using Valencia 2026 rates.
Drag the slider or type a value.
In Spain the seller usually pays the agent. Toggle on only if you've separately hired a buyer's agent (typical 3% + 21% IVA).
Your Estimate
Paid before closing to take the property off the market. Credited toward the price at signing. If you withdraw, you forfeit it. If the seller withdraws, they owe you double.
Estimate, not a quote
These figures are 2026 estimates for the Comunidad Valenciana. Real costs vary by property, lender and notary, and tax rules can change mid-year. Get a binding breakdown from a Spanish lawyer or gestoria before you commit.
Sources
- -ITP rate (10% on resales) - Comunidad Valenciana, Ley 13/1997 de Tributos Cedidos.
- -IVA on new builds (10%) and AJD (1.5% in Valencia) - Spanish Tax Agency (AEAT) and Generalitat Valenciana 2026 budget.
- -Notary and Registry tariffs - Real Decreto 1426/1989 (notaries) and Real Decreto 1427/1989 (property registers).
- -Gestoria, valuation and buyer-agent ranges - sector averages 2025-2026 (Idealista, Spanish bank tariffs).
Want a real quote on a specific property?
We coordinate with vetted Spanish lawyers and gestorias to give you a binding cost breakdown before you sign anything.
Best Neighbourhoods for Investment
Average prices and trends across Valencia's most popular barrios.
Resident vs Non-Resident Buying
Resident Buyer
- Mortgage up to 80% LTV
- Lower interest rates
- Simpler banking setup
- Potential tax advantages
- More financing options
Non-Resident Buyer
- Mortgage 60-70% LTV
- Slightly higher rates
- Different rental tax rules
- Possible fiscal representation
- More bank checks
Frequently Asked Questions
Can a non-resident buy in Spain?
Yes. You need an NIE and a Spanish bank account.
How much extra should I budget?
Usually 12-15% above the purchase price.
How long does the process take?
Most purchases complete in 6-10 weeks.
Do I need a lawyer?
Not mandatory, but strongly recommended.
Need Help Buying Property in Valencia?
We connect expats with trusted buyer's agents, lawyers, and mortgage brokers.