31 articles
Complete guides on the buying process, mortgages, costs and procedures in Galicia.
Buying property in Galicia is a smart decision for investors and individuals seeking quality of life, competitive prices, and a privileged natural environment. The Costa da Morte, with its fishing villages, wild beaches, and world-class gastronomy, has become one of the most attractive destinations in northwest Spain. The Spanish buying process has particularities that every buyer, especially foreigners, should understand: from obtaining the NIE and opening a bank account, to signing the arras contract and the public deed before a notary. Average prices on the Costa da Morte range from €800 to €1,800/m², well below the national average, offering exceptional opportunities for both primary residences and investment. Non-resident mortgages cover up to 60-70% of the appraised value, with interest rates from 2.5% APR. In this section you will find detailed guides on every step of the buying process, bank comparisons, tax and cost information, and practical advice from Cristina Vázquez, a real estate agent with years of experience in the area.
Complete guide to buying a parking space or garage in Galicia. Average prices by city in A Coruña, Santiago de Compostela, Vigo, Pontevedra, Lugo and Ourense. Legal requirements, deeds, community fees, IBI tax, rental yields and urban planning regulations you need to know before investing in parking in the Galician autonomous community.
Read guide → Discover the main new construction developments in Galicia, from the Costa da Morte to A Coruña and Santiago de Compostela. We analyse reliable developers, delivery timelines, ten-year legal guarantees, average prices by area and the requirements every new housing development must meet under the LOE and the Technical Building Code.
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Discover why the Costa da Morte is the ideal place for your second home. Legal requirements, taxes, property management, and rental potential.
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Detailed guide to buying rural estates in Galicia. Land types, minifundio system, water and hunting rights, EU subsidies, rural road access and requirements for foreign buyers on the Costa da Morte.
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Learn how to get a mortgage in Galicia as a non-resident. Conditions, banks, required documentation, and tips for financing your property on the Costa da Morte.
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Buying a new-build apartment in Galicia offers advantages such as a ten-year structural guarantee, lower energy consumption and the ability to customise finishes. However it also carries specific risks: delivery delays, unreliable developers and abusive contract clauses. This guide examines how to verify the developer's reputation, what the Cédula de Habitabilidad is, how bank guarantees on stage payments work, what to check on the snagging list and the difference between paying 10 % VAT and ITP depending on the building's phase.
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Complete guide to social housing (VPO) in Galicia. VPO types, income limits, Xunta programs, subsidized mortgages and eligibility for foreign buyers.
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Complete guide on currency exchange when buying property in Spain: bank vs specialist broker comparison, timing strategies, forward contracts, and how to save thousands of euros on your transaction.
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Before buying property in Galicia, a thorough viewing can save you thousands in repairs. This checklist covers everything from structural issues and dampness to legal checks, with special attention to Galicia's humid climate and traditional stone constructions on the Costa da Morte.
Read guide → Buying off-plan property in Galicia can save you up to 30% compared to market prices. This step-by-step guide explains how the process works, what legal guarantees protect you, the risks involved, and how to choose the right developer on the Costa da Morte and inland Galicia.
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Complete guide to property technical inspection in Galicia: report types, costs, what a surveyor checks, Galicia-specific issues and how to use the report to negotiate the purchase price.
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Negotiating property prices in Galicia requires understanding the local market, Costa da Morte dynamics, and applying the right strategies. From researching comparable prices on Idealista to timing your first offer, this guide gives you the tools to get the best possible price with real examples from Galicia transactions.
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Complete guide to the notary's role when buying property in Galicia for foreign buyers: how the Spanish notarial system works, how to choose a notary, what they verify during signing, actual fees between 0.3% and 0.5% of the price, required documents, the signing day process, language barriers and solutions, power of attorney options, digital notary services, and key differences from the UK, German, French, and US systems that every international buyer must know before purchasing on the Costa da Morte.
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Practical guide to calculating your real property buying budget in Galicia as a foreigner: price ranges by area (Costa da Morte from €60,000, A Coruña from €180,000, Vigo from €120,000, rural from €40,000), hidden costs nobody explains (ITP 8-10%, notary €600-1,500, registry €350-700, gestoría €300-500, 10% VAT on new builds), mortgages for foreigners with 60-70% LTV, currency exchange costs, real cost calculator table, concrete examples with €150,000, €250,000, and €400,000 budgets, monthly carrying costs, and tips to optimize your investment on the Costa da Morte.
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Complete guide to title insurance in Galicia for foreign buyers: what this policy covers, why foreigners especially need it, differences between the Spanish and Anglo-Saxon systems, real claim examples from the Costa da Morte and Galicia, available providers in Spain such as Caser and Mapfre, real costs between €300 and €800, common exclusions, step-by-step claims process, coverage duration, and a comparison table to help you decide whether to purchase this additional insurance to protect your property investment.
Read guide →Prices vary by area. On the Costa da Morte, average prices range from €800 to €1,800/m². A renovated house in Corcubión or Cee costs €120,000-250,000, while beachfront apartments can exceed €300,000. Inland villages offer opportunities from €60,000.
Yes, anyone regardless of nationality can buy property in Spain. You only need to obtain an NIE (Foreigner Identity Number), open a Spanish bank account, and meet tax requirements. There are no restrictions for international buyers.
For resale properties, ITP in Galicia is 8% (up to €400,000) and 10% on the excess. For new builds, VAT is 10%. You also pay AJD (1.5%), notary fees (€600-1,200), registry (€400-800), and administration (€300-600).
The complete process typically takes 6-12 weeks from signing the arras contract to the public deed. Property search can add 1-3 months. If you need a mortgage, allow 4-6 additional weeks for bank approval.