{"id":11271,"date":"2026-02-05T11:45:29","date_gmt":"2026-02-05T11:45:29","guid":{"rendered":"https:\/\/casilladecosta.com\/buying-a-house-in-spain\/"},"modified":"2026-02-05T14:01:03","modified_gmt":"2026-02-05T14:01:03","slug":"buying-a-house-in-spain","status":"publish","type":"post","link":"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/","title":{"rendered":"Buying Property in Spain: The Complete Guide for Foreigners (2026 Update)"},"content":{"rendered":"<p><b>Buying a property in Spain remains a primary goal for many international investors and lifestyle buyers. However, the process involves specific legal steps and regional tax variations that are often overlooked.<\/b><\/p>\r\n<p><span style=\"font-weight: 400;\">For UK citizens and international buyers, the Spanish property market offers exceptional opportunities, provided you understand the landscape. From navigating post-Brexit regulations to understanding the distinct fiscal advantages of the Canary Islands compared to the Mainland, this guide covers the essential information you need to purchase safely and efficiently.<\/span><\/p>\r\n<p><span style=\"font-weight: 400;\">As <\/span><a href=\"https:\/\/casilladecosta.com\/\"><b>Casilla de Costa<\/b><\/a><span style=\"font-weight: 400;\">, developers of exclusive properties in Fuerteventura, we have compiled this guide to cut through the noise and provide clear, actionable advice for 2026.<\/span><\/p>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Tabla de contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#1_Can_a_UK_Citizen_Buy_a_House_in_Spain\" title=\"1. Can a UK Citizen Buy a House in Spain?\">1. Can a UK Citizen Buy a House in Spain?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Understanding_the_Rules\" title=\"Understanding the Rules\">Understanding the Rules<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#2_The_Costs_of_Buying_a_House_in_Spain_Regional_Differences\" title=\"2. The Costs of Buying a House in Spain: Regional Differences\">2. The Costs of Buying a House in Spain: Regional Differences<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#The_Canary_Island_Advantage_IGIC_vs_VAT\" title=\"The Canary Island Advantage (IGIC vs. VAT)\">The Canary Island Advantage (IGIC vs. VAT)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Other_Standard_Costs\" title=\"Other Standard Costs\">Other Standard Costs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#3_Step-by-Step_How_to_Buy_Property_in_Spain\" title=\"3. Step-by-Step: How to Buy Property in Spain\">3. Step-by-Step: How to Buy Property in Spain<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Step_1_Get_Your_NIE_Number\" title=\"Step 1: Get Your NIE Number\">Step 1: Get Your NIE Number<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Step_2_Open_a_Spanish_Bank_Account\" title=\"Step 2: Open a Spanish Bank Account\">Step 2: Open a Spanish Bank Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Step_3_The_Reservation_Contract\" title=\"Step 3: The Reservation Contract\">Step 3: The Reservation Contract<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Step_4_Due_Diligence\" title=\"Step 4: Due Diligence\">Step 4: Due Diligence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Step_5_Completion_at_the_Notary\" title=\"Step 5: Completion at the Notary\">Step 5: Completion at the Notary<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#4_Common_Pitfalls_and_How_to_Avoid_Them\" title=\"4. Common Pitfalls and How to Avoid Them\">4. Common Pitfalls and How to Avoid Them<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#5_Why_Fuerteventura_is_a_Strategic_Choice\" title=\"5. Why Fuerteventura is a Strategic Choice\">5. Why Fuerteventura is a Strategic Choice<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Conclusion_Making_a_Secure_Investment\" title=\"Conclusion: Making a Secure Investment\">Conclusion: Making a Secure Investment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#Frequently_Asked_Questions_FAQ\" title=\"Frequently Asked Questions (FAQ)\">Frequently Asked Questions (FAQ)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#1_Can_non-residents_get_a_mortgage_in_Spain\" title=\"1. Can non-residents get a mortgage in Spain?\">1. Can non-residents get a mortgage in Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#2_Do_I_pay_taxes_in_both_the_UK_and_Spain\" title=\"2. Do I pay taxes in both the UK and Spain?\">2. Do I pay taxes in both the UK and Spain?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#3_How_does_healthcare_work_for_retired_British_buyers\" title=\"3. How does healthcare work for retired British buyers?\">3. How does healthcare work for retired British buyers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/casilladecosta.com\/en\/buying-a-house-in-spain\/#4_Is_it_safe_to_buy_%E2%80%9Coff-plan%E2%80%9D_properties_under_construction\" title=\"4. Is it safe to buy &#8220;off-plan&#8221; (properties under construction)?\">4. Is it safe to buy &#8220;off-plan&#8221; (properties under construction)?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Can_a_UK_Citizen_Buy_a_House_in_Spain\"><\/span><b>1. Can a UK Citizen Buy a House in Spain?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">The answer is <\/span><b>yes<\/b><span style=\"font-weight: 400;\">. Brexit has not altered your right to buy property in Spain. You have the exact same ownership rights as a Spanish citizen. The main change concerns how long you can stay in your property without a visa.<\/span><\/p>\r\n<h3><span class=\"ez-toc-section\" id=\"Understanding_the_Rules\"><\/span><b>Understanding the Rules<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The 90\/180 Rule:<\/b><span style=\"font-weight: 400;\"> British citizens can spend up to 90 days in Spain within any 180-day period visa-free. This is generally sufficient for holiday home owners.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Residency Options:<\/b><span style=\"font-weight: 400;\"> If you plan to retire or live in your villa in Fuerteventura, you will need to apply for a visa. The most common routes in 2026 are:<\/span>\r\n<ul>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>The Non-Lucrative Visa (NLV):<\/b><span style=\"font-weight: 400;\"> For those with sufficient passive income who do not intend to work in Spain.<\/span><\/li>\r\n<li style=\"font-weight: 400;\" aria-level=\"2\"><b>The Digital Nomad Visa:<\/b><span style=\"font-weight: 400;\"> For remote workers employed by companies outside of Spain.<\/span><\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<h2><span class=\"ez-toc-section\" id=\"2_The_Costs_of_Buying_a_House_in_Spain_Regional_Differences\"><\/span><b>2. The Costs of Buying a House in Spain: Regional Differences<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p><span style=\"font-weight: 400;\">This is the most critical financial factor for buyers. Most general guides will tell you to budget 10% for VAT (IVA). However, <\/span><b>Spain does not have a single tax rate.<\/b><\/p>\r\n<p><span style=\"font-weight: 400;\">If you buy on the Mainland (e.g., Costa del Sol) or the Balearic Islands, you pay <\/span><b>10% VAT<\/b><span style=\"font-weight: 400;\"> on <a href=\"https:\/\/casilladecosta.com\/en\/new-build-properties-fuerteventura\/\">new build properties. <\/a><\/span><b>In the Canary Islands (Fuerteventura), you pay IGIC, which is significantly lower.<\/b><\/p>\r\n<h3><span class=\"ez-toc-section\" id=\"The_Canary_Island_Advantage_IGIC_vs_VAT\"><\/span><b>The Canary Island Advantage (IGIC vs. VAT)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n<p><span style=\"font-weight: 400;\">On a high-value investment, the difference in upfront costs is substantial. Here is a breakdown for a <\/span><b>\u20ac500,000 New Build Villa<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n<table style=\"width: 100%; border-collapse: collapse;\">\r\n<thead>\r\n<tr>\r\n<th style=\"border: 1px solid #ccc; padding: 10px; text-align: left;\">Cost Item<\/th>\r\n<th style=\"border: 1px solid #ccc; padding: 10px; text-align: left;\">Mainland Spain (10% VAT)<\/th>\r\n<th style=\"border: 1px solid #ccc; padding: 10px; text-align: left;\">Canary Islands \/ Fuerteventura (6.5% IGIC)<\/th>\r\n<\/tr>\r\n<\/thead>\r\n<tbody>\r\n<tr>\r\n<td style=\"border: 1px solid #ccc; padding: 10px;\">Purchase Tax<\/td>\r\n<td style=\"border: 1px solid #ccc; padding: 10px;\">\u20ac50,000<\/td>\r\n<td style=\"border: 1px solid #ccc; padding: 10px;\">\u20ac32,500<\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"border: 1px solid #ccc; padding: 10px;\">Stamp Duty (AJD)<\/td>\r\n<td style=\"border: 1px solid #ccc; padding: 10px;\">~1.5% (\u20ac7,500)<\/td>\r\n<td style=\"border: 1px solid #ccc; padding: 10px;\">~0.75\u20131% (\u20ac3,750 \u2013 \u20ac5,000)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td style=\"border: 1px solid #ccc; padding: 10px; font-weight: bold;\">Estimated Tax Savings<\/td>\r\n<td style=\"border: 1px solid #ccc; padding: 10px;\">\u00a0<\/td>\r\n<td style=\"border: 1px solid #ccc; padding: 10px; font-weight: bold;\">~\u20ac20,000<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">By choosing a property in Fuerteventura over the mainland, you immediately reduce your sunk costs by approximately <strong>4%<\/strong>.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Other_Standard_Costs\"><\/span><strong>Other Standard Costs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">When calculating the total <strong>costs of buying a house in Spain<\/strong>, you should also budget for:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Notary &amp; Land Registry Fees:<\/strong> Approximately 1% of the purchase price.<\/li>\r\n\r\n\r\n\r\n<li><strong>Legal Fees:<\/strong> Typically 1% + VAT. Independent legal advice is highly recommended.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Step-by-Step_How_to_Buy_Property_in_Spain\"><\/span><strong>3. Step-by-Step: How to Buy Property in Spain<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The purchase process is logical but bureaucratic. Here is the standard roadmap we use at Casilla de Costa to ensure a smooth transaction for our clients.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_1_Get_Your_NIE_Number\"><\/span><strong>Step 1: Get Your NIE Number<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The <em>N\u00famero de Identificaci\u00f3n de Extranjero<\/em> (NIE) is your fiscal ID. You cannot buy property, pay taxes, or even buy furniture for delivery without it. You can apply via the Spanish Consulate in your home country or in Spain via a Power of Attorney.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_2_Open_a_Spanish_Bank_Account\"><\/span><strong>Step 2: Open a Spanish Bank Account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">While you can use international transfer services (like Wise) to send funds, you will need a local account for setting up Direct Debits for utilities (electricity, water, community fees).<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_3_The_Reservation_Contract\"><\/span><strong>Step 3: The Reservation Contract<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Once you select your property, you will sign a reservation contract and pay a deposit (usually between \u20ac6,000 and \u20ac10,000). This removes the property from the market and fixes the price.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_4_Due_Diligence\"><\/span><strong>Step 4: Due Diligence<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">This is where your lawyer verifies the legal status of the property.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>For New Build (Casilla de Costa):<\/strong> We provide all statutory documentation, including the Building License (<em>Licencia de Obra<\/em>) and Bank Guarantees (<em>Aval Bancario<\/em>) which protect your stage payments by law.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Step_5_Completion_at_the_Notary\"><\/span><strong>Step 5: Completion at the Notary<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">The final step is signing the Title Deed (<em>Escritura<\/em>) before a Public Notary. The balance is paid, and you receive the keys.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\r\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/casilladecosta.com\/en\/guide-to-buying-new-homes\/\" target=\"_blank\" rel=\"noreferrer noopener\">Buying a new home: A guide to success<\/a><\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Common_Pitfalls_and_How_to_Avoid_Them\"><\/span><strong>4. Common Pitfalls and How to Avoid Them<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Buying abroad carries risks if you are not informed. Here are the three most common issues foreign buyers face:<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Pitfall 1: Buying &#8220;Rural&#8221; Properties with Legal Issues<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Many older properties in the countryside were built without proper planning permission. These can be subject to demolition orders or hefty legalization fines.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>The Smart Move:<\/strong> Buy in <strong>consolidated urbanizations<\/strong>. Developments like Casilla de Costa are built on fully urbanized land with adopted infrastructure, ensuring 100% legality.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Pitfall 2: Underestimating Renovation Costs<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&#8220;Fixer-uppers&#8221; often appear cheap but can become money pits due to strict modern building codes (CTE) regarding energy efficiency.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>The Smart Move:<\/strong> <strong>Buy New Build.<\/strong> Modern villas come with a 10-year structural guarantee (<em>Seguro Decenal<\/em>) and high energy efficiency ratings, reducing long-term maintenance costs.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Pitfall 3: Ignoring Location Dynamics<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Some areas are strictly seasonal, becoming &#8220;ghost towns&#8221; in winter.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>The Smart Move:<\/strong> Choose locations with year-round appeal. Fuerteventura\u2019s climate allows for 12-month usage, maximizing potential rental yields.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\r\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/casilladecosta.com\/en\/mistakes-when-buying-a-house-12-pitfalls-to-avoid\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mistakes when buying a house<\/a><\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Why_Fuerteventura_is_a_Strategic_Choice\"><\/span><strong>5. Why Fuerteventura is a Strategic Choice<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Beyond the tax advantages, Fuerteventura offers a level of security and exclusivity that is becoming harder to find on the mainland.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Safety &amp; Privacy:<\/strong> Casilla de Costa is located in a premium, low-density area, avoiding the overcrowding of mass-tourism resorts.<\/li>\r\n\r\n\r\n\r\n<li><strong>Climate &amp; Lifestyle:<\/strong> With over 3,000 hours of sunshine a year and mild winters, it offers a genuine year-round lifestyle.<\/li>\r\n\r\n\r\n\r\n<li><strong>Connectivity:<\/strong> Regular flights connect Fuerteventura to major UK and European hubs, making it an accessible retreat.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_Making_a_Secure_Investment\"><\/span><strong>Conclusion: Making a Secure Investment<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Buying property in Spain is a significant financial decision. It requires transparency, legal certainty, and a clear understanding of the costs involved.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">At <strong>Casilla de Costa<\/strong>, we offer modern, <a href=\"https:\/\/casilladecosta.com\/en\/new-build-properties-fuerteventura\/\" target=\"_blank\" rel=\"noreferrer noopener\">new-build villas<\/a> designed for the international buyer who values security and quality. By choosing Fuerteventura, you are not only choosing a better lifestyle but also a smarter fiscal environment.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Ready to view the options?<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Browse our available properties or contact our team for a detailed consultation on the buying process.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\r\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/casilladecosta.com\/en\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">Contact us<\/a><\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQ\"><\/span><strong>Frequently Asked Questions (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Quick answers to the most common queries from UK buyers looking to invest in Spain in 2026.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Can_non-residents_get_a_mortgage_in_Spain\"><\/span><strong>1. Can non-residents get a mortgage in Spain?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Yes. Spanish banks are willing to lend to UK and international buyers, though the conditions differ from those for residents.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>Loan-to-Value (LTV):<\/strong> Typically, banks offer up to <strong>60% or 70%<\/strong> of the property value (or purchase price, whichever is lower) for non-residents. Residents may get up to 80%.<\/li>\r\n\r\n\r\n\r\n<li><strong>Interest Rates:<\/strong> These can be fixed, variable, or mixed. You will need to prove your income and pass strict affordability checks.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Do_I_pay_taxes_in_both_the_UK_and_Spain\"><\/span><strong>2. Do I pay taxes in both the UK and Spain?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Spain and the UK have a <strong>Double Taxation Treaty<\/strong>. This means you generally won&#8217;t pay tax on the same income twice.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>If you become a tax resident in Spain (spending &gt;183 days\/year), you pay Spanish taxes on your worldwide income.<\/li>\r\n\r\n\r\n\r\n<li>If you are a non-resident owner, you only pay tax in Spain on income arising in Spain (e.g., rental income or the imputed income tax on your property). You declare this income in the UK, but you can usually offset the Spanish tax paid against your UK tax bill.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_How_does_healthcare_work_for_retired_British_buyers\"><\/span><strong>3. How does healthcare work for retired British buyers?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/casilladecosta.com\/en\/retiring-to-fuerteventura-the-best-destination-for-your-retirement-in-the-canary-islands\/\">If you retire to Spain<\/a> using a Non-Lucrative Visa, you typically need <strong>comprehensive private health insurance<\/strong> for the first year (or until you gain permanent residency).<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><strong>S1 Form:<\/strong> However, if you are in receipt of a UK State Pension, you can apply for an <strong>S1 Form<\/strong> from the NHS. This entitles you to access the Spanish state healthcare system on the same basis as a Spanish national, paid for by the UK government.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Is_it_safe_to_buy_%E2%80%9Coff-plan%E2%80%9D_properties_under_construction\"><\/span><strong>4. Is it safe to buy &#8220;off-plan&#8221; (<a href=\"https:\/\/casilladecosta.com\/en\/new-construction-developments\/\">properties under construction<\/a>)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">It is safe <em>if<\/em> you follow the law. Spanish Law (Ley 38\/1999) requires developers to guarantee all deposits paid by buyers. At <strong>Casilla de Costa<\/strong>, all client payments for off-plan properties are secured by a <strong>Bank Guarantee<\/strong> (<em>Aval Bancario<\/em>). If the property is not delivered, your money is returned with legal interest. Never buy off-plan without this guarantee.<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Buying a property in Spain remains a primary goal for many international investors and lifestyle buyers. However, the process involves specific legal steps and regional tax variations that are often&#8230;<\/p>\n","protected":false},"author":1,"featured_media":9535,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"inline_featured_image":false,"_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[52],"tags":[],"class_list":["post-11271","post","type-post","status-publish","format-standard","has-post-thumbnail","category-real-estate-tips"],"_links":{"self":[{"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/posts\/11271","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/comments?post=11271"}],"version-history":[{"count":9,"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/posts\/11271\/revisions"}],"predecessor-version":[{"id":12357,"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/posts\/11271\/revisions\/12357"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/media\/9535"}],"wp:attachment":[{"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/media?parent=11271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/categories?post=11271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/casilladecosta.com\/en\/wp-json\/wp\/v2\/tags?post=11271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}