Buy a home in Spain, in your own name
- ✓Freehold — your name on the deed
- ✓Off-plan deposits protected by law
- ✓Spanish mortgages for non-residents
You're already looking at Spain. Four questions, sixty seconds.
Rory phones every enquiry himself. No call centre, no pressure — if it isn't a fit, he'll say so.Ballpark is fine — it just helps us point you to the right homes.
No wrong answer — we work with dreamers and doers alike.
This stays private — it just shapes the conversation.
Be honest — there's no right answer here either.
We’ll email your results. Unsubscribe any time. The Expat Investor is an introducer, not the seller or a financial adviser.
Against what’s actually available right now.
Your fit report is on its way to
He'll show you the homes in Spain you could actually buy, what each really costs all-in, and the questions worth asking.
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From what you've shared, your budget may not quite reach Spain just yet — and we'd rather be honest than pushy. You're welcome to come back the moment things change.
Thanks for being straight with us. When your budget changes, come straight back and take the quiz again.
In the meantime, keep dreaming. It's closer than you think.
What you'd get
A home in Spain that belongs to you outright — new-build bought from the developer at the price on their list, or a resale home with more space for the money.
- It's yours. Your name goes on the deed. Not a company's, not a landlord's.
- Use it when you want. It's your place, so you come and go as you please.
- Let it out if you want to. Holiday lets in Spain need a tourist licence and the rules vary by region, so your lawyer checks what is allowed before you buy.
- A short flight away. Most of Spain's coast is two to three hours from the UK and Ireland.
A home in the sun, close enough to use properly.
Can a foreigner really own it?
Yes. Foreigners can buy property freely in Spain, with full ownership. Your name goes on the deed at the notary and into the Land Registry, exactly as a Spanish buyer's would.
- In your name. Not a lease. Not a company. Not someone holding it for you.
- Apartments, townhouses or villas. Spain puts no nationality restriction on ownership, so you can own the land under the house too — the whole thing, in your own name.
- Checked before you pay. Your own lawyer looks over the paperwork first. Not ours, not the seller's. Yours.
How you'd pay for it
It depends on whether the home is finished or still being built, and either way you can borrow part of it.
- Buying off-plan, you pay in stages. A deposit reserves it, then instalments while it is built, and the balance when it is finished and handed over.
- Those stage payments are protected by law. Before completion, a developer has to back what you pay with a bank guarantee or insurance, held in a separate account.
- A finished or resale home is simpler. A deposit on a private contract, then the rest at the notary on completion day.
- You can borrow part of the price. Spanish banks lend to non-residents, typically up to 60-70% of the value. Most people assume they need the whole amount in cash. They do not.
- Budget for roughly 10-14% on top. Taxes and fees depend on the region and on whether the home is new or resale.
Rory will go through the actual numbers with you on the call.
Will it actually get built?
A fair thing to ask, so here's the honest answer.
- The building licence comes first. Your own lawyer confirms the development has its licence before you pay more than a reservation deposit.
- Your stage payments are protected. If the home is not finished and handed over, the bank guarantee or insurance on your instalments is there to pay them back.
- Or buy it finished. A completed or resale home takes the question off the table.
What if you want to sell it later?
You can. It's yours, so it's yours to sell.
- Sell it to whoever you like — another foreign buyer, or a Spanish one.
- Or pass it on early. In some cases you can hand the contract to someone else before the building is even finished.
- There are fees and taxes when you sell, the same as when you buy. Your lawyer works them out for you beforehand.
We don't say yes to everyone
This is private introduction only. We talk to you first, and we say no more often than we say yes.
- We ask about you first. Your budget, your plans, what you actually want the place for.
- If it's not right for you, we say so. We'd rather tell you that than put you somewhere you shouldn't be.
- You never pay us a penny. The developer pays us, and only if someone eventually buys. That's exactly why we can afford to turn people away.
- It's a long-term buy. Prices, rents and exchange rates all move both ways, and your money is tied up for years. Don't put in money you'll need back soon.
Who you'd be dealing with
Two people in the UK. Not a call centre.
We introduce people to homes. We're not estate agents, and we're not financial advisers. Whatever you decide, it won't cost you anything to talk to us.