Spain mortgage guide
Marbella mortgage guide for foreign buyers
Marbella and the wider Costa del Sol attract a uniquely international buyer base. Indicative mortgage ranges, taxes and broker specialization differ from inland Spain. Use our compatibility assessment to find brokers active in the region.
Indicative LTV in Marbella
For non-residents buying in Marbella, indicative LTV is typically 60–70%. Residents may access up to ~80%. Premium and luxury properties (above €1m) often see additional underwriting.
Taxes & fees on the Costa del Sol
Andalusia ITP (resale transfer tax) currently sits around 7%, plus notary, registry and legal fees. Plan for ~10–12% total transaction costs on top of the purchase price.
Luxury & complex profiles
Marbella sees a higher concentration of HNW, company-owner and multi-jurisdiction profiles. Brokers specialising in luxury and complex files are best placed to handle these.
Frequently asked questions
What ITP does Andalusia charge?
Andalusia's transfer tax (ITP) on resale properties is currently around 7%, subject to legislative change.
Are luxury Marbella mortgages different?
Yes — higher-value files often require additional source-of-funds documentation and may receive more conservative LTV.
Do brokers in Marbella speak English?
Most brokers active in Marbella operate in English, and many also in German, French and Scandinavian languages.
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