Marbella Property Buyers Guide

A potentially life changing decision

Deciding to buy a property in Spain is an exciting and life changing decision. Although there are some differences compared to buying property in other countries, it's not too complicated once you understand the process. You also have the reassurance that we at Seavilla are always available if you have any questions. This guide should provide a good introduction to the steps you need to take to become a property owner in Spain and start a new life with sand between your toes.

Quick steps of the buying process

1. Finance

Do a financial calculation of how you will finance the property and your budget.

2. Contact a sales agent

Find a sales agent and provide the agent with your criterias of what you're looking for. The sales agent will send you suggestions of propertis.

3. Viewings

Attend the viewings together with your sales agent.

4. Contact a legal representative

Find a legal representative that you trust and he/she will help you with Spanish registration number and power of attorney for the steps needed.

5. Put an offer

When you have found your dream home it's time to put an offer on it. In Spain the bidding usually takes place below the asking price which is different compared to many other countries.

6. Reservation contract

When you get an accepted offer you reserve the property by signing a reservation contract and pay the reservation fee usually between 6000 and 10 000 €). The transfer will be made into the lawyer's client account and not to the vendor. When the transfer is done, the property is off market and your lawyer starts with the due diligence.

7. Purchase contract

This is usually done 14 days after the reservation contract is signed. When both the vendor and buyer have signed the purchase contract 10% of the agreed price of the property (minus the reservation fee) is transferred to the lawyer's client account. The lawyer will confirm the transfer to the vendor. The agreed date of access is written in the purchase contract.

8. Completion of purchase

Everyone will meet at the notary to complete the purchase. By this time, registration in the title deed is made. The 10% at the lawyer's client account and the 90% that is left of the agreed price is transferred to the vendor at the notary.

The keys to the property are handed over to you.

Choose your new home with care

At Seavilla, we'll help you find the home or investment you're looking for, regardless of budget or property type. It's important to us that your home purchase is the right one and that it's the type of home that suits you best.

We have access to the entire Costa del Sol real estate market. This way you can use our knowledge and advise you on the best properties to suit your needs.

Our sales agents become your personal agent and you don't have to contact several sales agents and do all the research yourself. We also help you schedule all viewings and show you the properties.

Financing

We recommend our clients to set a plan of how you will finance the property before you actually start looking. In case yo will apply for a mortgage we recommend you to apply for an offer to find out your budget and what your options are.

One option is to apply for a mortgage in a Spanish bank where you usually can get a mortgage for up to 50-70% of the property price. Another option is to mortgage your existing home via your bank in your home country. Having a good overview of your finance gives you an idea what you can expect for the budget, what your new monthly cost will be and allow you to act in the most efficient manner when the right property comes along. Your sales agent will not be involved in the financing, but can provide you with recommendations of bank options as well as legal representation.

Legal Representation

We recommend everyone, both vendors and buyers, to hire a legal representation with experience of the Spanish property market/transactions to represent you throughout the purchase. The lawyer will cost you 1% of the agreed price of the property, which is a relatively small cost compared to that it will save you from future trouble and costs if something goes wrong in your purchase. For example, all debts on the property, such as bank loans, local taxes and fees are taken over by the new owner if the vendor doesn't apply for a change. This is included in the lawyers due diligence of the property and he will confirm that there are no debts on the property before you complete the purchase. If you're not a Spanish resident you will need a NIE number to buy a property in Spain. This is a Spanish identification number for foreigners (Numéro the Identificación de Extranjero).

The NIE number is a tax number which is required when buying a property, paying taxes, starting a bank account, signing up for subscriptions such as telephone, electricity, etc.

Your lawyer will apply and provide you with your NIE number, which is included in the 1% that you pay.

Viewings

The Spanish viewings are quite different from what we are used to in other countries. In Spain, the costumer often view several properties individually with the sales agent, which also means that you have enough time to ask questions without stress. Your sales agent will attend all your viewings and can also give his/hers recommendations and/or pros and cons according to our knowledge.

To buy a resale property

A resale property is an existing property that has had previous owners and where you buy the property from the current owner. All resale properties are sold in existing conditions with respect to age, price and usage.

It's the buyer's responsibility to check the property before signing the purchase contract. Your legal representation will help you to make a due diligence of the property to see that everything is in order and that it will be a safe purchase.

Property tax of a resale property is 7% of the purchase price.

To buy new development

Buying a new home off-plan is a little different than buying a resale property, but your sales agent is here to assist you and make sure that it will be a secure purchase. At all new developments, it's the developer of the property who becomes the vendor. The developer, together with your sales agent, will provide you with all information about the development such as when it's going to be built, finished and when the access of the properties will take place. There are renders, site plans and floor plans of the development to give you a clear picture how the result will look like. The developer will also show you the plot of the development and show you where your property is located. You get to see materials and depending on the developer and how far the building process has gone, you might be able to make some changes on the inside of the property to make it suit your needs and taste. The payment plan of buying a new development depends of the developer but usually a reservation fee of €6000-€10.000 will be paid to take the property off the market. During the building process you usually pay between 30-40% of the property price, sometimes all at once and sometimes divided into different ocasions. The 60-70% that's left will be paid at access when the development is completely done.

Property tax (VAT) of a property from a new development is 10% on top of the price of the property.

Costs connected with your purchase

When you buy a property, there will be additional costs of 12-14% of the agreed price and it's important that this is included in your budget. The buyer pays following costs in addition to the agreed property price.

Transfer tax

Property tax is 7% for a resale property and 10% of a new development.

Value Added Tax (VAT)

VAT is 10% and shall be paid when a home are being sold for the first time. In addition to VAT, stamp duty shall be paid for the issue of the legal documents. This is normally around 0.5% of the purchase price, but can be 1.5% in certain regions.

Notary fees and registration fees

In most cases the notary fee is between €1800 and €2000 but depending on the price of the property this rates can be much higher. If you have applied for a mortgage of the property, you will also need to pay the notary fees for the title registration linked to the mortgage.

Title registration fees are in most cases between €600 and €800.

Legal fees

Most lawyers charge around 1% of the agreed property price. This might be negotiable for more expensive properties. Some charge by the hour and others offer a set fee.

Access

When the due diligence, documents and finance are done, it's time to complete the purchase. The date of the completion is written in the purchase contact and it takes place at the notary. At this time the registration are made that the property has a new owner, and the agreed property price will be transferred to the vendor. The keys will be handed over and the buyer got a new home!

Welcome to Seavilla

Who We Are:

Seavilla is a premier real estate firm based in Marbella, specializing in helping buyers, sellers, and developers navigate the vibrant Costa del Sol market. With a focus on providing personalized services to international clients, we are your dedicated partner in finding the perfect property or investment.

Why Choose Seavilla?

• Expert Guidance: We offer in-depth knowledge of the local market, ensuring you make the right choice for your needs, whether it’s a dream home or a solid investment.

• Stress-Free Experience: Our goal is to make your property purchase as easy and satisfying as possible, handling every step of the process.

• Turnkey Services: Whether you’re here in person or online, we offer end-to-end support, from finding the perfect property to closing the deal.

• For Foreign Clients: We specialize in helping international clients access the growing Spanish market, making it easier to invest or buy a home in Marbella and beyond.

• International Partnerships: We have strong partnerships with global organizations, helping clients from all parts of the world invest in properties in Marbella and the Costa del Sol.

Our Comprehensive Services Include:

• Sales & Brokerage Services: Expert assistance in buying, selling, and brokering properties in Marbella and the Costa del Sol.

• Investment Management & Consulting: Strategic advice and management for profitable investment opportunities.

• Financial Services: Tailored financial solutions to suit your property investment needs.

• Legal Services: Expert legal support to ensure a smooth and legally secure transaction.

• Currency Exchange Services: Efficient and secure exchange for your international transactions.

• Property & Rental Management: Comprehensive services for managing and maintaining your property, whether for personal use or as an investment.

• Interior Design & Refurbishment: Expert design services to transform your property into your dream home.

Our Promise:

We are with you every step of the way, ensuring a seamless, hassle-free process as you secure your property in one of the most sought-after locations in Europe.

Join Us on Our Journey:

At Seavilla, we believe in building lasting relationships and delivering results. Let us help you make your dream property a reality.

Why Marbella Is An Excellent Place To Invest

Marbella, a jewel of Spain’s Costa del Sol, has long captivated property investors and holidaymakers alike. Its appeal lies in a perfect blend of breathtaking landscapes, a vibrant lifestyle, and a strong investment climate. As of 2024, Marbella remains one of the most desirable destinations for real estate investment. Here’s why:

1. Prime Location and Ideal Climate

Marbella’s stunning location is one of its biggest advantages. Nestled between the Sierra Blanca Mountains and the Mediterranean Sea, it boasts spectacular views and a unique microclimate. With approximately 320 sunny days a year, the warm and pleasant weather makes Marbella a year-round destination for both tourists and expatriates, sustaining a stable and lucrative real estate market.

2. Thriving Rental Market

Marbella’s rental market is exceptionally strong, fueled by demand for both short-term holiday rentals and long-term leases. Tourists are drawn to its beaches, golf courses, and cultural scene, creating consistent demand for vacation rentals. At the same time, expatriates and retirees seeking a sunny, luxurious lifestyle contribute to the need for long-term rental properties. This dual market provides property owners with steady rental income.

3. Luxury Lifestyle and World-Class Amenities

Marbella is synonymous with luxury. It features high-end shopping centers, gourmet restaurants, and exclusive beach clubs. The renowned Golden Mile, stretching between Marbella and Puerto Banús, is lined with opulent villas and five-star hotels. Its upscale ambiance attracts affluent buyers from around the world, driving property values upward and ensuring strong investment returns.

4. Excellent Infrastructure

Investing in Marbella comes with the advantage of excellent infrastructure. The city is well-connected to the rest of Europe via Málaga-Costa del Sol Airport, just a 45-minute drive away. A modern road network makes it easy to explore nearby cities and attractions. Additionally, Marbella is home to top-tier international schools, high-quality healthcare facilities, and efficient public services, making it highly attractive to expatriates and investors alike.

5. Rich Cultural and Recreational Offerings

Marbella blends cultural charm with modern leisure activities. The historic old town (Casco Antiguo), with its narrow streets and ancient architecture, contrasts beautifully with contemporary art galleries, music festivals, and a dynamic nightlife scene. Outdoor enthusiasts can enjoy water sports, mountain hikes, and world-class golf courses. These diverse attractions enhance the quality of life and contribute to a consistently strong real estate market.

6. A Resilient and Growing Real Estate Market

Marbella’s real estate market has shown impressive stability and growth over the years. Despite global economic fluctuations, property values have remained strong, often outperforming other European markets. The ongoing demand for luxury real estate, driven by both local and international buyers, ensures Marbella remains a prime location for investment.

7. Investor-Friendly Policies

Spain offers attractive incentives for real estate investors, including the Golden Visa program, which grants residency to non-EU investors who purchase properties worth €500,000 or more. This initiative has drawn numerous international buyers, further boosting Marbella’s property market. Additionally, Spain’s relatively low property taxes compared to other European nations enhance the investment appeal.

8. High Potential for Capital Appreciation

Marbella properties have a proven history of capital appreciation. The continuous demand for high-end real estate in sought-after locations—such as the Golden Mile, Sierra Blanca, and beachfront areas—drives property prices upward. With the development of new luxury projects and infrastructure improvements, investors can expect substantial returns over time.

9. Diverse Investment Opportunities

Marbella offers a wide variety of properties to suit different investment goals. Whether it’s a modern sea-view apartment, a classic Andalusian villa, or an exclusive penthouse, there’s something for every investor. This diversity allows buyers to choose properties that align with their financial strategies, whether focused on rental income, long-term capital growth, or a mix of both.

10. Unmatched Quality of Life

Above all, one of the most compelling reasons to invest in Marbella is the exceptional quality of life. The city offers a rare combination of stunning natural beauty, a mild climate, rich cultural heritage, and an unparalleled luxury lifestyle. These factors attract affluent buyers and families, sustaining high demand for premium properties and ensuring long-term market stability.

Conclusion

In 20245 Marbella continues to offer an outstanding opportunity for real estate investment. Its prime location, strong rental market, luxurious lifestyle, and favorable investment conditions make it a top choice for property buyers. Whether you’re looking for stable rental income, capital appreciation, or your own slice of paradise, Marbella delivers. As always, thorough research and expert guidance are key to making the best investment decisions, but the rewards of investing in Marbella real estate remain highly promising.

Why Marbella Remains a Prime Destination for Luxury Property Investment in 2025

Marbella has long been synonymous with luxury, attracting discerning buyers and investors from around the world. In 2025, this Mediterranean gem continues to be one of the most sought-after destinations for high-end real estate. But what makes Marbella such a prime location for luxury property investment? Let’s explore the key reasons.

1. Strong & Resilient Property Market

Marbella’s real estate market remains stable and resilient, even in times of economic fluctuations. The demand for prime properties, especially in exclusive areas like the Golden Mile, Sierra Blanca, and Nueva Andalucía, continues to outstrip supply. Investors see Marbella as a safe haven for capital appreciation and long-term returns.

2. International Appeal & High Demand

Marbella’s cosmopolitan lifestyle attracts buyers from the UK, Germany, Scandinavia, the Middle East, and beyond. With remote work becoming the norm, more high-net-worth individuals are choosing Marbella as their primary or secondary residence, increasing demand for luxury villas, beachfront penthouses, and private estates.

3. Exclusive Luxury Lifestyle & Amenities

• World-class golf courses, Michelin-starred restaurants, designer boutiques, and prestigious beach clubs make Marbella a luxury hub.

• Elite private schools and top-tier healthcare facilities attract families looking for a high-quality lifestyle.

• The famous Puerto Banús marina continues to be a hotspot for luxury yachts, high-end shopping, and fine dining.

4. Favorable Tax Benefits for Buyers

Spain offers lower property taxes compared to the UK and many other countries, making it an attractive market for international investors. Lower acquisition costs, combined with strong capital appreciation, ensure long-term value for buyers looking to invest in Marbella’s luxury market.

5. Sustainable & High-Tech Developments

New developments in Marbella focus on sustainability, energy efficiency, and smart home technology. Investors are increasingly drawn to eco-friendly villas and modern, tech-integrated properties, ensuring high demand for years to come.

6. Limited Supply & High ROI Potential

Exclusive beachfront properties and luxury gated communities have limited availability, driving property values higher. Investors benefit from strong rental yields, particularly in short-term holiday rentals catering to Marbella’s high-end tourism market.

7. Year-Round Sunshine & Stunning Natural Beauty

With over 320 days of sunshine per year, Marbella offers a unique blend of Mediterranean beauty, golden beaches, and the stunning backdrop of the La Concha mountain. The perfect climate makes it an ideal location for year-round living and vacationing.

Conclusion: A Smart Investment for 2025 and Beyond

Whether you’re looking for a luxury vacation home, a high-yield rental property, or a long-term investment, Marbella continues to stand out as one of the most desirable real estate markets in Europe. With rising property values, strong demand, and a lifestyle that embodies elegance and exclusivity, Marbella remains a prime destination for luxury property investment in 2025.

Interested in investing in Marbella’s luxury market?

Contact Seavilla today for expert guidance on finding your perfect property.

The Best Areas to Buy a Luxury Home on the Costa del Sol

The Costa del Sol is one of Europe’s most desirable locations for luxury real estate. With its stunning coastline, world-class golf courses, and year-round sunshine, it attracts high-net-worth buyers looking for both investment opportunities and dream homes. But with so many beautiful locations to choose from, where should you buy?

Here's a complete guide to the best areas for luxury real estate on the Costa del Sol.

1. Marbella’s Golden Mile – The Ultimate Luxury Address

The Golden Mile is synonymous with luxury, prestige, and exclusivity. Stretching between Marbella’s city center and Puerto Banús, this area is home to breathtaking beachfront mansions, high-end villas, and exclusive gated communities. Some of the most sought-after properties are located here, offering panoramic sea views and direct beach access.

Why buy here?
✅ Prime beachfront properties
✅ Close to Michelin-starred restaurants, luxury boutiques, and five-star hotels
✅ Strong property value appreciation

2. Sierra Blanca – Privacy and Prestige in Marbella

Perched above Marbella, Sierra Blanca is an exclusive gated community known for luxurious villas with large plots, security, and breathtaking views of the Mediterranean. This area is ideal for those who seek privacy while still being close to Marbella’s best amenities.

Why buy here?
✅ Exclusive gated community with 24/7 security
✅ Large, private estates with stunning sea and mountain views
✅ A favorite among international celebrities and business elites

3. Nueva Andalucía – The Golf Valley of Marbella

For golf lovers, Nueva Andalucía is the top choice. Located just behind Puerto Banús, this area is known as "Golf Valley" due to its prestigious golf courses, such as Las Brisas, Aloha, and Los Naranjos. The neighborhood offers a mix of modern villas, stylish apartments, and traditional Andalusian-style homes.

Why buy here?
✅ A paradise for golf enthusiasts
✅ Just minutes from Puerto Banús and Marbella’s nightlife
✅ High rental potential for investment buyers

4. Marbella East – Beachfront Tranquility with Space

Marbella East is a hidden gem for those who seek beautiful beaches, larger plots, and a relaxed lifestyle. Areas like Los Monteros, Elviria, and Cabopino offer some of the best beachfront villas and luxury gated communities.

Why buy here?
✅ Less crowded than Marbella’s center, but still close to amenities
✅ Some of the best sandy beaches on the Costa del Sol
✅ Ideal for families and those looking for a more peaceful setting

5. La Zagaleta – The Most Exclusive Community in Spain

If privacy, security, and exclusivity are your top priorities, La Zagaleta is the place to buy. This ultra-exclusive gated estate is home to billionaires, business tycoons, and celebrities. With two private golf courses, a helipad, and high-security access, it is the most prestigious address in Spain.

Why buy here?
✅ Unmatched privacy and security
✅ Exclusive access to private golf courses and club facilities
✅ Breathtaking mountain and sea views

6. Estepona – A Rising Star for Luxury Homes

Estepona has undergone a major transformation, attracting luxury buyers with its charming Old Town, beautiful marina, and new high-end developments. The New Golden Mile, located between Estepona and Marbella, offers modern beachfront apartments and villas with five-star resort-style amenities.

Why buy here?
✅ Excellent value for money compared to Marbella
✅ Growing luxury market with modern, high-quality developments
✅ Great long-term investment potential

7. La Cala de Mijas – Coastal Charm with Investment Potential

La Cala de Mijas is a fast-growing luxury hotspot with a charming village feel. It offers beachfront properties, modern villas, and penthouses, with a more laid-back atmosphere compared to Marbella.

Why buy here?
✅ More affordable than Marbella but increasing in value
✅ Beautiful beaches and a thriving expat community
✅ High demand for rental properties

8. Benahavís – Luxury in Nature

For those who love nature but still want to be close to Marbella, Benahavís is an excellent choice. Known for its luxury gated communities, golf resorts, and fine dining, this area offers stunning views and high-end real estate. El Madroñal and La Quinta are two of the most exclusive areas in Benahavís.

Why buy here?
✅ Surrounded by nature, yet close to Marbella and Puerto Banús
✅ Home to some of the most exclusive villas on the Costa del Sol
✅ High-end golf resorts and Michelin-starred restaurants

Conclusion: Which Area is Right for You?

• If you want absolute luxury and prestige, Golden Mile or La Zagaleta is your best bet.

• If you love golf and a social lifestyle, choose Nueva Andalucía.

• If you prefer beachfront living in a quieter area, Marbella East or La Cala de Mijas are great options.

• If you’re looking for value and investment potential, Estepona or Benahavís offer great opportunities.

Looking for your dream luxury home on the Costa del Sol? Contact Seavilla today for expert advice and exclusive listings!