Turn an asking price into a complete cash budget, with taxes, fees and borrowing shown separately.
For resale purchases, transfer tax uses the higher of price and the tax value entered. Catalonia uses marginal bands of 10%, 11%, 12% and 13%; Andalusia uses a 7% general rate. For new homes, VAT applies to price and purchase stamp duty to the stated tax base (1.5% in Catalonia, 1.2% in Andalusia). Mortgage-deed expenses payable by the lender are not added to purchase-deed costs. Rates checked on 19 September 2026.
The right budget is a cash plan with evidence behind each line. A single percentage added to the price can miss both the amount and the timing.
Read guideA small early payment can accompany a significant commitment. Read the document’s consequences before treating a deposit as a simple way to hold a home.
Read guideLearn to connect a Spanish registry extract to the home you viewed, then turn unfamiliar ownership entries and charges into a focused enquiry list.
Read guidePrepare a mortgage application that explains your overseas income and available cash, with room for valuation gaps and the realities of remote completion.
Read guideTell us what you need, where and your budget. We’ll review your enquiry to work out the next step.
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