Every cost of buying a home, explained: taxes, notary, registry, agent fees and the extras first-time buyers miss. Guides with worked examples.
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
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
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