Market Insights
Notes from the Costa del Sol property market.
Editorial pieces, market notes, and practical guides.
Stage payments, the bank guarantee that protects them, 10 % IVA versus 7 % ITP, financing at completion — and an honest look at when a finished resale is the better buy.
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Buying in SpainSpain's iconic rock-overhang village isn't just a postcard. Here's what living, owning, and renovating in Setenil actually looks like — including the renovation rules that catch most foreign buyers off guard.
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Buying in SpainLTV ceilings, debt-to-income ratios, fixed vs variable, documentation, valuation and the 8-to-12-week timeline — what a non-resident mortgage on the Costa del Sol actually looks like.
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Buying in SpainThe full transaction cost stack on a Costa del Sol purchase — deposit, ITP or IVA, notary, registry, lawyer, gestoría — with worked examples at €500,000.
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Buying in SpainEvery tax that appears on a Costa del Sol settlement statement in 2026 — transfer tax, IVA, stamp duty, IBI, IRNR and plusvalía — with Andalucía-specific rates.
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Buying in SpainNIE, the 90/180 rule, the non-lucrative and digital-nomad visas, tax residency, non-resident mortgages — the working checklist for a UK buyer on the Costa del Sol.
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Buying in SpainPricing, taxes, licences and the leasehold trap — what international buyers should know before acquiring a local, office or warehouse on the western Costa del Sol.
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