Leading Real Estate Agency
based in marbella,
Spain
Advantages of property
in marbella, spain
Discover the benefits of owning property in Marbella, Spain – a prime destination known for its luxury, stunning views, and high rental returns. Whether for investment or vacation, Marbella offers unmatched opportunities
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Key-READY PROPERTIES
our benefits
01
BUY PROPERTY
0% commission for buyer
02
NEW DEVELOPMENT
Partnership with all developers in the region
03
RENT PROPERTY
Safe turnkey rentals with full support
04
INVESTMENTS
Only selected, high return property options, selected options
05
DEVELOPMENT
Partnership with architects, builders, and designers for seamless project delivery
06
LEGAL SUPPORT
We verify documents, provide tax advice, arrange mortgages, and assist with residence permits.
New DEVELOPMENTS
FAQ
Does the Buyer Pay a Commission to the Agency?
No, the buyer does not pay the agency commission — it is covered by the seller. In Marbella, agency fees are typically included in the property price and are paid by the seller, meaning the buyer is not responsible for this cost.
What Taxes Apply When Buying Property?
- Property Transfer Tax (ITP): For resale properties, the rate is 7%. For new developments purchased directly from the developer, buyers pay 10% VAT (IVA) plus 1.2% stamp duty.
- Municipal Property Tax (IBI): An annual tax based on the cadastral value of the property. It’s usually paid between August and September.
- Plusvalía Tax (Capital Gains on Land Value): This is paid by the seller and is based on the increase in the land’s cadastral value over the period of ownership.
- Non-Resident Income Tax: Non-resident owners renting out property are taxed at a flat rate of 24%. Residents of EU countries benefit from a reduced rate of 19%.
- Wealth Tax: Applies to properties exceeding a certain value — from €700,000 for residents and from €3 million for non-residents, with progressive rates up to 2.5%.
What Legal Requirements Should You Know When Buying Property in Marbella?
- Obtain an NIE (Número de Identificación de Extranjero): This identification number is required for all legal and financial transactions in Spain. It can be obtained through a Spanish consulate abroad or a police station in Spain.
- Open a Spanish Bank Account: A local bank account is necessary for managing the transaction and related payments. You’ll need your NIE, passport, and proof of funds.
- Due Diligence: This includes both technical and legal inspections of the property. It ensures the property is structurally sound, legally owned, free of debts or encumbrances, and compliant with local regulations.
- Hire a Lawyer: It’s highly recommended to work with a lawyer specializing in Spanish real estate law to oversee the process and review all documents.
- Sign the Preliminary and Final Contracts: First, a reservation or deposit contract is signed. The purchase is finalized with the Escritura (title deed), signed before a notary.
- Pay Taxes and Fees: These include the property transfer tax (6–10% for resales), VAT for new builds (10%), stamp duty (1–2%), and notary and registration fees.
Is Marbella a Good Place to Invest?
- Strong Demand for Luxury Homes: The excellent climate, high quality of life, and modern infrastructure draw international buyers, particularly to areas like the Golden Mile, La Zagaleta, and Sierra Blanca.
- Market Stability: Despite global economic uncertainty, Marbella’s real estate market has shown consistent growth and resilience.
- Limited Supply: A lack of available land and few new developments help maintain high property values and drive continued investment interest.
- Branded Luxury Developments: World-famous brands such as Dolce & Gabbana, Fendi, and Karl Lagerfeld have launched real estate projects here, further elevating Marbella’s appeal to high-net-worth individuals.
- Rental Yield Potential: As one of the top tourist destinations in Europe, Marbella offers excellent returns from both short- and long-term rentals.
How to Get a Mortgage for Property in Marbella?
To secure a mortgage in Marbella, follow these steps:
- Loan-to-Value Ratio (LTV): Non-residents of Spain can usually obtain financing for 50–70% of the property’s value, while residents may be eligible for up to 80%.
- Required Documents: You’ll need an NIE (Foreigner Identification Number), a Spanish bank account, proof of income, tax returns, details of any existing financial obligations, property documents, and a credit report from your home country.
- Mortgage Types: Both fixed and variable rate mortgages are available. Fixed rates typically range between 2.4% and 3%.
- Additional Costs: Keep in mind expenses such as property valuation, mortgage setup fees, insurance, notary fees, and land registry charges.
- Application Process: Ensure all documents are translated into Spanish and notarized if necessary before submission.
Are There New High-End Developments in Marbella?
Yes, Marbella is currently home to several premium new developments aimed at buyers seeking exclusivity, exceptional design, and top-tier quality. Many are created in collaboration with iconic global brands:
- UNO: Located on the prestigious Golden Mile, this gated community is set to be one of the most exclusive coastal projects launched in the last two decades.
- Design Hills by Dolce & Gabbana: A collection of unique villas developed with the iconic fashion house. These residences offer breathtaking views, luxury finishes, and are within walking distance of the Puente Romano resort.
- Elie Saab Villas: These refined properties reflect the signature elegance and spacious layouts associated with designer Elie Saab.
- Fendi Villas: Representing the luxury and sophistication of the Fendi brand, these homes showcase premium materials and cutting-edge technologies.
- Karl Lagerfeld Villas: Designed to reflect the innovative vision of Karl Lagerfeld, these residences feature bold architectural elements and top-class amenities.
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