Blog
Clear, practical writing about every cost, fee, and step of buying a house.
Spanish homes now change hands after 18 years on average, and when yours does, the tax office will want proof of what you spent on day one. Here's which purchase costs and improvements reduce your capital gains tax, what evidence still holds up two decades later, and how to build the file the week you buy.
October 3, 2026 · 11 min
Eighteen months after the announcement that scared half the internet, the 100% tax on non-EU buyers has not been debated, voted or applied — and foreign purchases just hit an all-time record. Here is the honest status of the proposal, and the real numbers a non-resident buyer pays today.
August 26, 2026 · 6 min
Dutch lenders finance the appraisal, not your offer. If you win a bidding war, the difference is money no mortgage will ever cover — and most guides never mention it.
August 15, 2026 · 8 min
Almost every guide telling you to hire a lawyer in Spain was written by a lawyer. Here's what the notary and the land registry already check for you by law, which risks genuinely fall outside that, and why paying 1% of the purchase price is the wrong way to buy the answer.
July 27, 2026 · 9 min
Spain's state guarantee for first-time buyers was quietly rebuilt in June 2026 — higher income caps, a bigger wealth allowance, and two more years to use it. Here's who qualifies now, what the guarantee actually covers, and the five-figure cash bill it doesn't touch.
July 7, 2026 · 8 min
Everyone compares the asking price. The tax line is where a new build and a resale really diverge — by five figures on the same budget — and the non-tax costs can flip the answer entirely.
June 16, 2026 · 9 min
Everyone fixates on the deposit. It's the one number you can plan for — and the smallest source of nasty surprises. Here's how low you can really go, what a bigger deposit actually buys, and the cash that has nothing to do with the down payment at all.
June 1, 2026 · 8 min
The online calculator says €320,000. The bank approves €260,000. The gap isn't a mistake — it's the stress test doing its job. Here's how to find your real number before you fall for a house you can't finance.
May 22, 2026 · 9 min
Two people, one mortgage, one deed — and six countries' worth of rules about what happens if life doesn't go the way you planned. Here's how joint ownership actually works, and the one habit that protects both of you from day one.
May 11, 2026 · 10 min
The notary appointment is the moment ownership legally transfers — 60 to 120 minutes of reading, verifying, paying and signing. Here's what gets read, what gets paid, and the seven things buyers wish they'd checked before they signed.
May 4, 2026 · 11 min
The EPC used to be a piece of paper nobody read. Now your lender prices it, the law is putting deadlines on it, and your future buyer will use it to discount the offer. Here's what changed.
May 4, 2026 · 10 min
Most fixed-vs-variable guides quote today's headline rate. The decision actually hinges on what the Euribor forward curve says about tomorrow's — and after March, the answer changed.
April 28, 2026 · 9 min
You've saved for the down payment. Congratulations — you're about halfway there. Here's the full list of every other fee that shows up between the offer and the keys.
April 23, 2026 · 10 min
The textbook advice — overpay when your mortgage rate beats your savings rate — misses the number that actually decides it: the legal cap on prepayment penalties in your country.
April 23, 2026 · 9 min
You priced the kitchen at €25,000. Eight weeks in, you're at €33,000 and the tiler hasn't even started. This is how renovation overruns actually happen — and the system that stops them.
April 23, 2026 · 8 min
Six months after closing, most first-time buyers are still bleeding cash for reasons nobody explained before they signed. Here's the year-one budget that survives reality, market by market.
April 23, 2026 · 8 min