Step 1: prepare your buying position
Confirm the intended use, preferred areas, total budget, available cash and financing strategy. Appoint an independent lawyer and begin identity, NIE and banking preparation early.
Step 2: view and compare properties
Inspect the property and surroundings carefully. Ask about community fees, approved works, annual taxes, utilities, occupancy, included items and material alterations. Record answers so properties can be compared consistently.
Step 3: make and qualify the offer
An offer should state the price, proposed timetable, included items, financing position and any essential conditions. Do not assume that an accepted headline price settles every contractual issue.
Step 4: review reservation or arras terms
Before paying, have your lawyer review the recipient, refund conditions, deadlines and consequences of non-completion. Ensure the contract gives enough time for legal checks and finance.
Step 5: complete due diligence and finance
Your lawyer investigates the legal position while the lender completes affordability, valuation and mortgage documentation. Any problem should be resolved or reflected in a properly drafted contractual solution before completion.
Step 6: sign before the notary
At completion the deed is executed and the agreed funds are paid. Confirm the final deed, payment mechanics, debt cancellation, possession, keys and meter information before the appointment.
Step 7: finish post-completion tasks
- Ensure the purchase taxes are filed and paid within the applicable deadline.
- Confirm that the deed is presented for registration in the Land Registry.
- Transfer utilities, community contact and insurance into the buyer’s name.
- Store the deed, invoices, tax evidence and reports securely.