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#1 Real Estate Agency on the Costa del Sol

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We collect all the most attractive foreclosures, special offers and discounted homes for sale along the Costa del Sol, so you never miss the best investment opportunities in Marbella, Malaga, Benalmadena, Fuengirola, Mijas Costa and Estepona again.

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Last Updated D. .. (698 Dwellings).
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The Only Catalog You Will Need In Connection With Buying A Home On The Costa del Sol
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Low price guarantee
The same home can be for sale with several brokers at different prices. We always list the best priced version.
Quite simply Better Homes
Latest Handpicked Special Offers and Investment Opportunities on the Costa del Sol
#1 Specialists in Forced Sales and Special Offers
The Danes' Preferred Authorized Estate Agent on the Costa del Sol in Spain Since 2006
Better homes at lower prices
We comb through the southern Spanish housing market daily and handpick all the best offers, forced sales and investment opportunities, for sale across all 600+ brokers, 350+ new project sales buildings and Spain's largest banks, so you save both time and money.
100% Danish-owned company
Are you tired of simple landing pages that are simply translated into Danish via Google Translate? Then we are here to help. We are an authorized brokerage firm, with 3 physical offices in the Malaga region, and 8 competent, Danish-speaking brokers who are ready to help you.
18 years in Spain
With almost 20 years of presence on the Costa del Sol, our brand is today a symbol of expertise and recognition in the Spanish property industry, which is why we can offer you the market's best service, insight and know-how when it comes to buying a home in Spain.
We hope to see you in the sun soon.
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Frequently Asked Questions
Quickly learn about the most central aspects of real estate in Spain
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Can you as a Dane buy a home in Spain?

Buying a holiday home abroad may seem confusing and complicated to some, but Spain is extremely welcoming to foreign buyers, which helps to make the buying process relatively simple and safe.

As a Dane who wants to buy a home in Spain, you just need to ensure that a few simple conditions are under control:

  • Get a NIE number (Número de Identificación de Extranjero): This is a mandatory tax identification number for foreigners in Spain, which you must have if you want to buy property in the country. You can apply and get the number either by contacting the Spanish embassy in Denmark, or via self-application at a local police station in Spain. In both cases, you must fill out an official application form called “EX-15” (can download for free here via the Spanish Police website), and collect necessary personal documents, which include a copy of a valid passport, documentation of the purpose of the request (e.g. a purchase agreement or employment contract), as well as a passport photo. There is typically a nominal fee of around €9-12 associated with creating a NIE, depending on which municipality/region it is created in. In many cases, you will receive the number within a few days, but it can happen that the process is slower , so we always recommend applying as early as possible, as the number must be in place when signing the final deed in connection with the purchase of a home. As with everything else, we will happily help you apply for a NIE number.
  • Get a bank account set up in a Spanish bank: Opening a bank account in Spain is the second necessary step to take for foreigners who want to buy a home. The process for opening a bank account can vary slightly from bank to bank, but there are some general guidelines and requirements that apply in most institutions. This will typically be a special account for non-residents who have financial interests in Spain but do not live permanently in the country. Again, preparation pays to make the process as quick and simple as possible, which is why we recommend that you have at least a copy of your passport, NIE number, proof of employment or economic activity (typically an employment contract and/or recent payslips), and documentation that confirms that you are associated with an address in Spain (this can be at either rented or owner-occupied housing). You can advantageously choose one of the branches on the Solkysten with Danish-speaking representatives, and an English-language online bank, to make everyday life easier. We are happy to help you on your way with this.
  • Get control of the financing in good time: This is not mandatory, but certainly a move that will result in you being in a stronger position to make a good deal. Having the financing in place before starting the house hunt in Spain offers a number of clear advantages: It strengthens your negotiating position, enables quick action when you find the right property (so that it is not sold to another party), eliminates potential disappointments regarding unsuccessful funding applications, gives you a financial overview and a realistic budget framework, and last but not least it reduces any stress related the buying process. In short, you put yourself in a much more favorable position in terms of striking quickly if required — something that is particularly relevant in the highly competitive part of the Spanish housing market on which we concentrate the most, namely special offers, forced sales and good investment opportunities.
  • Get in touch with a Danish-speaking housing lawyer in Spain: Again, this part is up to you, but we always recommend appointing a lawyer specializing in Spanish property law to review all relevant documents and ensure that all legal aspects of your property transaction are in order. In addition, the lawyer also helps to check that there are no outstanding debts or lawsuits connected to the property you are about to trade. Last but not least, via a power of attorney, you can let the lawyer create a NIE number, open a bank account, and sign documents on your way, so that you save both time and money by not having to travel to Spain several times during the purchase process. A power of attorney costs in the region of €75-150, and is paid to the local notary office which is responsible for authorizing it.
Which area is best to buy a home in?

There are countless fantastic areas and regions in Spain. The most popular locations include the Balearic Islands, the Costa Brava and in particular the Costa del Sol, home to Europe's best and most stable climate, as well as some of the world's most sought after resorts including Marbella, Malaga, Fuengirola, Benalmadena, Mijas Costa, Estepona and Sotogrande.

As a first-time buyer in Spain, it is of course important to familiarize yourself thoroughly with what the various areas offer before making a major or minor investment in real estate. Therefore, consider the following:

  • Get your needs and wishes defined: Consider what is important to you in everyday life — everything from the completely impractical such as home size, home type, style and number of rooms, to the soft values ​​such as proximity to e.g. the beach, a lively urban environment versus quiet rural surroundings, availability of services such as schools and hospitals, a good selection of leisure activities, an expat-based area with many Danes or perhaps the exact opposite — as authentic and Spanish a local environment as possible.
  • Search and be inspired online: There are now many good websites and online guides, adapted to almost all languages ​​and nationalities, which help non-Spanish people to get a better understanding of all the different regions and areas in Spain. In addition, YouTube is also an excellent visual tool to "label" the areas, rather than simply reading about them.
  • Consult in dedicated Facebook groups: Social media can be an excellent source of information. There are many groups and pages dedicated to life in Spain, both in general, or in specific areas, where you can ask questions and get feedback from other Danes about knowing Spain.
  • Contact a real estate agent: Once you have narrowed down your choices to a few interesting areas, you may benefit from contacting a competent Danish-speaking estate agent on the Costa del Sol. In this way, you can get specific information about the property market in the areas in question, and get a number of specific properties suggested, based on your personal criteria.
  • Get an overview of your finances: You can advantageously ensure that there is control over the financing of your possible buying a home in Spain early in the process, as it significantly strengthens your position as a buyer. It gives you a clear understanding of available amounts and financial limits, which helps you focus your search on properties that are within a realistic price range. In addition, it makes you a more attractive buyer in the eyes of the sellers, because it eliminates the risk of being rejected for financing late in the process, which can also help to both speed up the trading process and give you greater bargaining power, since sellers are often more willing to negotiate price when they know financing is in place. In other words, you will appear as a serious buyer.
  • Fly to Spain: Nothing beats personal experience and own impressions. Plan and visit the areas you are interested in to get that famous 'gut feeling', experience the atmosphere, meet local residents and view potential properties.
What does the buying process look like?

A home purchase in Spain is usually divided into different phases, and typically looks like this:

  • Needs and budget are determined: Consider, investigate and determine which type of property meets your needs, how much money you want and can invest, as well as what type of financing you are thinking of. a possible purchase.
  • Wish list of potential homes: Use one of the major housing portals in Spain to search for housing according to your specific criteria, or contact a real estate agent in Spain who can help you get an overview of suitable properties that match your budget and wishes.
  • Inspection trip: Book an appointment with your estate agent and physically go to Spain to view the properties you have selected in advance.
  • Bid and negotiation: Once you have found the right home, the next step is to make an offer. Before possibly negotiations, you should check the market prices and make a strategy with your estate agent. Some brokers have extensive experience and sharp skills in price negotiation, so make sure you work with a professional estate agent. Your choice of broker can be decisive for whether you end up making a good deal or not.
  • Have a housing lawyer: If you have not already contacted a competent housing lawyer, now is the right time. It is not mandatory, but highly recommended, as the person in charge ensures that the legal aspects of your property transaction are executed according to the book. If you wish, the lawyer can also set up a bank account, apply for a NIE number and sign documents on your behalf using a power of attorney without you having to be physically present in Spain.
  • Reservation agreement: When you and the seller have reached an agreement on price, you will typically have to sign a standardized reservation document, in which the general trading conditions are set. We always recommend registering a general legal disclaimer in relation to signing of a reservation agreement. At the same time, it is normal to pay a reservation fee of €6.000-€20.000 (depending on the price of the property). It is always recommended to pay the amount into your lawyer's client account, rather than transferring it directly to the estate agent or seller, as this will give you greater security in the event that legal challenges arise in relation to the lawyer's property check. After this, the home will be reserved, which is why it will be taken off the market.
  • Final purchase agreement: After signing the preliminary reservation agreement and your lawyer having completed his legal work (which usually takes 1-2 weeks), a full purchase agreement (also known as a Private Purchase Contract or Contrato Privado de Compra Venta) must be drawn up, which most of everything, reminiscent of the one you probably know at home from Denmark. As this is signed, 10% (in some cases more) of the purchase price is transferred to the seller as standard.
  • Deed and key handover: On the agreed takeover date (usually within 2-12 weeks after signing the purchase agreement), the remaining purchase price must be transferred to the seller. This typically happens at a notary, where both your and the seller's legal representatives are present, in order to complete the transaction and get the home registered in your name, after which you will be its new owner.
What taxes and duties are there in connection with the purchase of a home?

It is important to understand the various taxes and fees associated with buying a property in Spain, as they can surprise you compared to what you are used to when buying a property in Denmark.

When you buy property in Spain, you must take into account that a total surcharge of between 8-12% of the purchase price will be added. The final rate varies depending on whether you are buying an existing resale property or a project sale/new build property.

For newly built properties/project sales, a surcharge of 10% VAT (IVA) applies, while the purchase of resale properties is not subject to VAT, but rather a property tax of 7%.

In addition, valid for both types of home purchase, notary fees, land registration tax and attorney's fees.

Overall overview of costs associated with buying a home on the Costa del Sol:

  • VAT (VAT): 10% of the property's price (only relevant for new construction/project sales)
  • Property tax: 7% of the property's price (only relevant for resale properties).
  • Land registration tax: 0,5-1% of the property's price.
  • Notary fees: Approx. 500-1.500€.
  • Lawyer's fees: 0,5-1% of the property's price.
  • Gathered: ≈ 8-12% of the property's price.
Do you have to pay tax when reselling or renting out your home?

If you, as a foreigner, want to sell or rent out your home in Spain, you must take a number of taxes into account.

In connection with a sale, just like in Denmark, you are potentially subject to property capital gains taxation, depending on whether you make a profit or not. If the property is sold at a profit, the Spanish tax authorities will tax this at 18%.

There is also a Plusvalía tax, which is levied at municipal level and is based on how many years you have owned the property before the sale. This is also made up of a percentage of the sales price, although in a significantly lower order of magnitude of between 0,08-0,45%.  

Unless you are responsible for the sale of your home yourself, you must also factor in estate agent costs, which typically amount to around 3-6% of the sale price.

If you use the property for rental, the income will be subject to Spanish taxation, without the possibility of deducting operating and interest expenses. The tax rate is set at 24%.

Can you finance your purchase via a Spanish bank?

Yes, as a Dane, you can take out mortgage loans in Spain. Here are some things that are worth taking with you in this regard:

Qualification: The Spanish mortgage institutions have no restrictions in terms of purchase price or nationality, but qualify based on your general financial situation and the bank's possible specific rules.

Documentation: To apply for a mortgage in Spain, you must provide a copy of a valid passport, proof of steady income and employment history, as well as proof of having an adequate amount of disposable income after fixed expenses. Self-employed traders must typically present the latest annual report, as well as a current balance sheet.

Equity/payment: At a minimum, you must count on being able to raise self-financing of just under 40% of the property's price when buying a home in Spain. This is because the maximum loan-to-value ratio is typically 70%, and in connection with a purchase, 8-12% is added in taxes and duties to the state and municipality.

Interest rate: As a foreigner, you will typically be offered a slightly higher interest rate than Spaniards. Pt. you should count on an interest rate of between 3,8-4,6%.

The process: You can arrange a Spanish mortgage yourself, by contacting a chosen bank directly, or let your estate agent and/or lawyer help you with the process. Always remember to choose a reputable bank and broker.

All in all, the process is similar to to take out mortgages in Spain, in many ways the one you probably already know from home, in addition to the products and solutions offered, may have more restrictions than those available to Spaniards.

Are all real estate agents in Spain trained and/or licensed?

No. Which is probably connected to the fact that it is not a requirement cf. Spanish legislation. In other words, there are no formal qualification and/or registration requirements before you can call yourself a real estate agent in Spain. This means that the vast majority of the real estate agents who exist, e.g. on the Costa del Sol, have neither a license nor a formal education, a la the state authorization we know from Denmark. In some cases, this has helped give the industry a bit of a tarnished reputation, and raised concerns about the quality of services offered by some estate agents. Nevertheless, fortunately, there are also reputable, experienced and professional players on the market, with a license and/or a Danish state authorization in their baggage, who can help you safely and confidently to the goal of buying a home in Spain. Therefore, always choose your real estate agent carefully.

What Do Our Customers Say?
Live out your Southern Spanish housing dreams, just like many other Danes have already done

"Bargain Andalucia made the buying process incredibly easy and comfortable. Thanks to their professionalism from start to finish, we have now bought our dream home. We couldn't have been happier!"

Lisbeth & Søren P.

Roskilde

"Bargain Andalucia really stands out, first and foremost in not exclusively showcasing own homes, but instead showcasing properties across the market in the buyer's best interest. Thank you!"

Erik D.

København

"As a first-time buyer, I was probably asked a lot of 'stupid questions', but nevertheless I was always taken seriously. Their patience and professionalism made that clear to me."

Edith M.

Hirtshals

"An absolutely excellent experience. They understood exactly what we were looking for and provided an exceptional service throughout. We are grateful for the help and warm commitment shown by Bargain Andalucia."

Annette & Morten Z.

Rungsted

"This is the second time now that we have bought property through Bargain Andalucia, and the service is as always impeccable. With this, our warmest recommendations to anyone who wants a problem-free property transaction in Spain."

Marianne & Lars A.

Humlebaek

"Unfortunately, we wasted a lot of time driving around with several competing "brokers" in a relatively few days. Had we known how efficient and helpful BA would be, we would have chosen them, and only them, from the start."

Sonja & Benny P.

Herning

"BA has shown tremendous expertise right from the first email and since held my hand in a way that has resulted in me feeling prepared to make the big decision. Would definitely recommend them to others."

Lisette J.

Svendborg

"A genuine buyer's agent. They negotiated with great skill which saved us a good bag of money. Their ability to secure the best possible deal has been nothing short of impressive. Highly recommended.

Sophie & Mathies M.

helsingør

"Despite the fact that they drive nice cars and dress nicely, everyone I met in the team is incredibly down-to-earth and good at what they do. A perfect mix of style and substance. Thanks for the deal :-)."

Klaus T.

arhus

"Bargain Andalucia are simply fantastic when it comes to understanding one's personal criteria and needs. Their expertise and attention to detail is second to none."

Eva & Torben O.

Holte

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Last Updated D. .. (698 Dwellings).