Houses in Spain for sale

Catalogue of houses in Spain – offer for 2025

Sunshine almost all year round, crystal clear sea, delicious cuisine and a carefree lifestyle – this is what attracts Poles to homes in Spain. From the warm shores of the Costa del Sol to the picturesque hills of Andalusia, the Spanish property market tempts with a variety of offers and the promise of a better life.

At GoSpain, we are seeing growing interest in Spanish properties for sale among our clients. This is no longer the preserve of wealthy investors alone – more and more families are looking for their piece of Spanish paradise, whether as a second home, a place to retire, or a sound investment.

Types of property available to foreign buyers

Before you start your search, it is worth learning about the different types of houses in Spain that can meet different needs and expectations:

Classic Mediterranean villa

Nothing embodies the Spanish dream quite like a traditional villa with white walls, red tiles and a blue swimming pool. Such luxury homes in Spain typically offer:

• Spacious interiors with high ceilings ensuring natural air circulation
• Spacious terraces and verandas, where much of domestic life takes place
• Private gardens with typical regional vegetation (palm trees, cypresses, bougainvilleas)
• Swimming pools, often with sea or mountain views

Bungalows and single-storey houses

Ideal for older people or families with young children, functional bungalow-style homes in Spain are a practical solution that offers:

• Living on one level, without stairs or architectural barriers
• Easier maintenance and lower operating costs
• Direct access to the garden from every room
• Often intimate in nature and belonging to organised housing estates

Cortijo – rural estates

For lovers of authentic Spain, history and space, rustic houses in Spain known as Cortijo are real gems:

• Historic architecture with preserved original features (beams, stone walls)
• Vast areas suitable for animal husbandry or olive cultivation
• Complete privacy and tranquillity away from crowded towns
• Potential for transformation into a profitable agritourism business

Modern energy-efficient houses

The latest trend on the market is modern houses in Spain designed with sustainability in mind:

• Solar panels and rainwater harvesting systems
• Excellent thermal insulation reducing the need for air conditioning
• Intelligent home management systems (smart home)
• Minimalist design using local materials

Investment or second home? Main reasons for buying houses in Spain

The motivations behind the decision to purchase a home in Spain are as varied as the buyers themselves. Here are the most common reasons:

Sunny retirement

For many people aged 50+, buying a home in Spain is part of their plan for a peaceful retirement in a pleasant climate. Spain offers:

• Mild winters that allow you to forget about the depressing weather of Polish autumn and winter
• A well-developed healthcare system, highly rated by international rankings
• Lower living costs while maintaining a high standard of living
• An active lifestyle thanks to the possibility of enjoying outdoor activities all year round

Passive income from renting

Buying a house in Spain for sale with a view to renting it out is an investment strategy that combines business with pleasure:

• High demand for holiday properties practically all year round
• Potential return on investment of 6-8% per annum
• Increase in property capital value in popular regions
• The possibility of personal use of the house outside the rental season

Remote working in a better environment

The remote working revolution has opened up new opportunities for those who dreamt of living in Spain:

• The opportunity to work for Polish companies while enjoying the Spanish climate
• Better quality of life translates into higher productivity
• Global development of infrastructure for digital nomads in Spanish cities
• Tax benefits for foreign professionals in certain regions

The diversity of regions and their advantages – where is it worth looking for a home?

Spain is a country of contrasts and diversity. The choice of location for a home in Spain should be based on individual priorities:

Costa del Sol – prestige and luxury

The southern coast of the sun is synonymous with luxury and international society. Houses in Spain located in the vicinity of Marbella or Estepona stand out:

Exclusive yacht marinas, golf courses designed by world-renowned champions and Michelin-starred restaurants create a unique ecosystem of luxury. International schools and medical clinics provide top-notch infrastructure. Malaga Airport offers year-round connections to most European cities, including direct flights to Poland.

Costa Blanca – the golden mean

The region surrounding Alicante offers an excellent compromise between quality and price:

Spectacular landscapes combining sandy beaches with mountain panoramas are the hallmark of this region. Moderate property prices combined with a climate similar to that of the Costa del Sol attract sensible investors. International communities, including a large Polish diaspora, make adaptation exceptionally easy. The mountain range protecting the coast ensures an exceptionally mild microclimate even in winter.

Costa Brava – for connoisseurs

The rocky coastline of Catalonia is ideal for those who appreciate proximity to nature and culture:

The proximity of Barcelona with its rich cultural offering and infrastructure (including an airport with excellent connections) is a huge advantage. Picturesque coves and crystal clear water attract diving and sailing enthusiasts. Catalan cuisine, considered one of the best in Spain, will satisfy even the most demanding gourmets. Cap de Creus National Park offers spectacular trekking routes for active visitors.

Regulations, taxes and formalities when buying a house in Spain

Buying a house in Spain requires completing a number of formalities that differ from Polish procedures. Here is a guide to the most important legal issues:

Step-by-step purchasing procedure

1. Preliminary analysis and financing – determining the budget, obtaining preliminary credit approval if necessary
2. Tax identification – obtaining a NIE (Número de Identidad de Extranjero) number, without which transactions cannot be carried out
3. Reservation agreement – securing the selected property with a deposit of EUR 3,000–10,000, depending on the value of the house.
4. Due diligence – thorough verification of the legal status of the property, encumbrances, outstanding payments
5. Preliminary agreement – signing of the contract (Contrato de Arras) with a deposit of approximately 10% of the agreed price
6. Preparation for the notarial deed – organisation of financing, preparation of documentation
7. Notarial deed – finalisation of the transaction before a notary public, transfer of the remaining amount, handover of keys
8. Completing formalities – registering new ownership, transferring utilities, reporting to the tax office

Tax system for property owners

Owning a property in Spain entails certain tax obligations:

• Purchase tax – when buying a home on the secondary market, we pay ITP (Impuesto sobre Transmisiones Patrimoniales) at a rate of 8–11%, and when buying on the primary market, we pay 10% VAT (IVA) plus AJD stamp duty of 1–1.5%.
• Property tax – annual IBI (Impuesto sobre Bienes Inmuebles) amounting to 0.4-1.2% of the cadastral value
• Income tax for non-residents – if you do not live in Spain permanently, you must pay tax on the attributed or actual income from the property.
• Rubbish collection tax and other local charges – depending on the municipality, usually several hundred euros per year

Financing the purchase

There are several options for financing the purchase of a home in Spain:

• Cash – the simplest option, eliminating credit costs and speeding up the process
• Mortgage loans in Spain – Spanish banks offer foreigners loans of up to 70% of the property value, usually with a repayment period of up to 20 years.
• Financing in Poland – the possibility of taking out a loan secured by real estate in Poland
• Joint purchase – an increasingly popular option for co-ownership with family or friends, sharing costs and responsibilities

At GoSpain, we provide comprehensive assistance in finding the optimal financial solution, including assistance in negotiations with Spanish banks.

Pitfalls and challenges – how to safely purchase Spanish property

Buying a house in Spain can be a safe and rewarding transaction if you prepare yourself properly for the potential challenges:

The most common problems and how to avoid them

The most important safeguard is to work with a trusted estate agency and a solicitor who specialises in serving foreign clients. At GoSpain, we offer free legal assistance at every stage of the transaction, which helps to minimise risk.

Specific challenges for buyers from Poland

Polish customers often encounter characteristic difficulties:

• Language barrier – limited knowledge of Spanish may lead to misunderstandings, so it is advisable to use the services of an interpreter or a Polish-speaking agent.
• Differences in notarial practice – in Spain, notaries play a different role than in Poland and do not check the legal status of real estate in detail.
• A different approach to deadlines – the “mañana culture” can be frustrating for those accustomed to Polish punctuality.
• Remote property management – practical issues related to maintaining a home from Poland

Costs and financing – how much does a house in Spain really cost?

Total cost of home ownership

In addition to the purchase price, you need to take into account the ongoing costs of maintaining a home in Spain:

• Taxes – annual IBI (0.4-1.2% of cadastral value), property tax for non-residents
• Utilities – electricity, water, gas, internet (similar or slightly lower than in Poland)
• Garden and pool maintenance – approximately EUR 100-200 per month for basic services
• Home insurance – EUR 400-900 per year, depending on value and coverage
• Security and monitoring – optional, EUR 50-100 per month
• Property management – approximately 15-20% of revenue when renting

The average annual maintenance costs for a typical 150m² house with a swimming pool are around EUR 4,000–6,000, not including any repairs or renovations.

Rental potential – real profits

Renting out a holiday home in Spain can generate significant income:

• A three-bedroom villa with a swimming pool on the Costa del Sol can bring in €1,800–3,500 per week during peak season.
• Similar property on the Costa Blanca – €1,200-2,500 per week
• Rustic finca inland – €1,000-2,000 per week

With a good location and effective management, occupancy rates of 20-30 weeks per year can be achieved, translating into an annual return of 5-8%.

The role of GoSpain in the process of purchasing a Spanish home

As specialists in property sales in Spain, GoSpain stands out thanks to its comprehensive approach to the needs of Polish customers:

What sets us apart:

• In-depth knowledge of the market – we have been operating on the Spanish market for years and know its nuances that are invisible to the average buyer
• Polish-Spanish team – we combine knowledge of the Polish mentality with Spanish know-how
• Free legal assistance – we are one of the few companies to offer comprehensive legal services at no additional cost
• Personalised offers – we don’t show you everything we have, but exactly what you are looking for
• After-sales care – our support does not end with the transaction; we help with home management, interior design and even everyday matters

Our values:

At GoSpain, we believe that buying a home in Spain is not just a financial transaction, but the beginning of a new life adventure. That is why our mission goes beyond standard estate agency services:

• We ensure complete transparency at every stage
• We present both the advantages and potential disadvantages of each property
• We are creating a community of Polish homeowners by organising regular meetings and events
• We educate our clients about Spanish culture, customs and practical aspects of life

From dream to keys – a practical action plan

If you are considering purchasing a property in Spain, here is a practical step-by-step guide to take you through the entire process:

Preparation phase (2–3 months)

1. Needs and possibilities analysis – define your expectations, budget and location preferences
2. Preliminary market research – familiarise yourself with online offers, prices and available options
3. Consultation with an expert – contact GoSpain to discuss your plans and receive professional advice
4. Arranging financing – secure your own funds or obtain preliminary credit approval

Search phase (1–2 weeks)

1. Reconnaissance visit – come to Spain to see selected properties in person
2. Getting to know the region – use your visit to get a feel for different locations and assess their infrastructure
3. Candidate selection – choose 2-3 of the most interesting houses in Spain for further analysis
4. Technical inspection – commission a specialist to assess the condition of the selected properties

Transaction phase (1–2 months)

1. Price negotiations – agree on the final price with the owner
2. Reservation agreement – secure the selected property by paying a deposit
3. Due diligence – commission a solicitor to thoroughly check the legal status of the property
4. Preparation for the deed – obtain a NIE, open an account with a Spanish bank, arrange financing
5. Signing the notarial deed – finalise the transaction and collect the keys to your home in Spain

Post-purchase phase

1. Administrative formalities – transfer utilities, register ownership with the relevant authorities
2. Arrangement and furnishing – adapt the house to your needs and preferences
3. Property management – establish a house maintenance system, especially if you do not live there permanently
4. Getting to know the area – integrate with the local community, discover nearby attractions

Buying a home in Spain is one of the most important and potentially rewarding ventures in life. With GoSpain, every step of the process is smooth and secure. Contact us today to begin your Spanish adventure!