Guides for buying with a cool head
Taxes, mortgage types and the market, explained with verified data and connected to our calculators.
Mortgage guides
Buying property in Spain: every tax you'll pay, explained The taxes when buying property in Spain: ITP by region on resale homes, 10% VAT plus AJD on new builds, who pays the plusvalía, and what it all adds up to. Read the guide → Buying property in Spain: the process step by step, from offer to keys The Spanish property purchase process for foreign buyers: NIE, reservation, the arras contract, notary completion, registration, costs and a realistic timeline. Read the guide → Costs of buying a home in Spain: what buying a house really costs All the costs of buying a home in Spain: notary, land registry, gestoría, valuation and taxes (ITP or IVA plus AJD). Who pays what and how much it all adds up to. Read the guide → Early mortgage repayment: fees, legal limits and how to do it What early repayment of a mortgage is, what fees the bank can legally charge you, how to request it and when it pays off to repay ahead of schedule. Read the guide → ICO guarantee and young buyer mortgages: how to buy a home with less than 20% saved How the ICO guarantee for young people and families with dependent children works, which banks offer it, what the requirements are, and what regional alternatives and young buyer mortgages exist. Read the guide → Mortgage subrogation: switching banks (or borrowers) without cancelling the loan What mortgage subrogation is, how much it costs to switch banks, how it differs from novation and from taking out a new mortgage, and when it pays off. Read the guide → Mortgages in Spain for non-residents: rates, LTV limits and requirements How non-residents get a mortgage in Spain: 60-70% loan-to-value, the documents banks ask for, realistic rates, timelines and the extra costs to budget. Read the guide → Non-resident property taxes in Spain: what you pay every year after buying The annual taxes for non-resident property owners in Spain: IBI, the imputed non-resident income tax (IRNR), rental income rules, and what happens when you sell. Read the guide → Spanish mortgage calculator for expats: run your numbers the way a bank will How to simulate a Spanish mortgage as an expat or foreign buyer: the inputs that differ (LTV, taxes by region, foreign income), and the calculator to do it. Read the guide → The NIE number: the first document you need to buy property in Spain What the NIE is, why you can't buy a Spanish property without it, and how to get one — in Spain or at a consulate — with the EX-15 form, fees and timelines. Read the guide → TIN vs APR (TAE): the difference that decides how much you pay for your mortgage What the TIN and the APR of a mortgage are, how they differ, why the APR is the figure you must compare, and how linked products affect the real cost. Read the guide →
ITP by region
See the full table →How much ITP transfer tax you pay when buying a resale home in each Spanish region in 2026, with current rates, every reduction and relief, its legal citation and the calculator preloaded for your region. 18 guides verified against official sources.
Andalusia ITP: 7% Aragon ITP: 8–10% scale Asturias ITP: 8/9/10% by value Balearic Islands ITP: 8–13% scale Canary Islands ITP: 6.5% Cantabria ITP: 9% Castilla y León ITP: 8% (+10% above €250,000) Castilla-La Mancha ITP: 9 % Catalonia ITP: 10–13% scale Ceuta and Melilla ITP: 6% with a 50% rebate → 3% effective Valencian Community ITP: 9% (11% above €1M) Extremadura ITP: 8/10/11% scale Galicia ITP: 8 % La Rioja ITP: 7% Madrid ITP: 6% Murcia ITP: 7.75% Navarre ITP: 6% Basque Country ITP: 4% housing (7% general)
From the blog
All articles → July 2026 Who pays the AJD stamp duty on a Spanish mortgage in 2026? The bank — and this is the law that says so Since November 2018, the AJD stamp duty on the mortgage deed is paid by the bank by law. What the AJD is, the exact legislation, and what the buyer still pays. July 2026 Overpaying your mortgage: when is it better to reduce the payment and when to reduce the term? Reducing the term saves far more in interest; reducing the payment gives you breathing room each month. With real numbers: which suits your situation and how to calculate it. July 2026 The Iran war and the Euribor. Should you worry if you have a variable-rate mortgage? What happened to oil, inflation and interest rates after the Iran conflict, and why the Euribor moves (or doesn't) when a crisis erupts in the Middle East. July 2026 The Euribor closes June 2026 at 2.80%: what it means for your mortgage Monthly Euribor analysis: the June average rises to 2.80%, marking several consecutive months of increases and making annual rate reviews more expensive. What to expect and how to calculate your new payment.
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