Working with Costa Casa Estate

From the first call to the keys — and beyond

Buying property in Spain doesn’t have to be complicated. We guide you through the whole process: selection, the investment trip, the lawyer, the mortgage and the handover. Book a free consultation and see how it works in practice.

Monika Godek · Costa Casa Estate
0% commission
Buyers pay us nothing — the developer covers our fee.
Trip costs refunded
After purchase we refund the flights and hotel from your investment trip.
Lawyer & due diligence
Every transaction includes independent legal verification of the developer and contract.
Aftercare
Furnishing, rental management and local matters — we stay with you after the keys.

The full process — step by step

01

Free consultation

We discuss your goal — investment, second home or relocation — your budget and expectations. No obligation and no fees: the developer pays our commission, you pay the developer’s price.

02

Selection from the full market

We access the complete database of new developments on the Costa del Sol and Costa Blanca. Instead of browsing hundreds of portals, you receive a short list matched to your goal — with prices, plans and completion dates.

03

Investment trip (2–3 days)

We collect you from the airport and over 2–3 days show you the selected properties and their surroundings: beaches, schools, access, restaurants. After purchase we refund your flights and hotel.

04

Reservation & legal safety

We work with local lawyers who verify the developer, licences and the contract (due diligence). We help you obtain the N.I.E. number and open a Spanish bank account.

05

Financing

We help you obtain a Spanish mortgage for non-residents — banks typically finance up to 70% of the value. We compare several banks and run the process in your language.

06

Keys & aftercare

We accompany you at the notary and the technical handover. Afterwards we help with furnishing and with setting up holiday-rental management if you buy to let.

Run the numbers first

Mortgage calculator

Spanish banks typically lend non-residents up to 70% of the property value. Indicative fixed rates in 2026 are around 2.9–3.6%. Move the sliders to see an approximate payment.

Property price400,000 €
Down payment40% (160,000 €)
Loan term25 yrs
Interest rate (fixed)3.1%
Loan amount240,000 €
Down payment160,000 €
Monthly payment 1,151 € / mo
Total repayment345,189 €

Indicative calculation (annuity) — not an offer or financial advice. Excludes insurance, bank fees and taxes. Final terms depend on the bank and your creditworthiness.

Ask about financing
For buy-to-let investors

ROI calculator

Realistic assumptions: purchase costs for a new-build in Andalusia are about 13.5% of the price (10% IVA, ~1.2% AJD tax, ~1.3% notary & registry, ~1% lawyer). Rental management is counted as 20% of revenue. See when the investment pays for itself.

Property price350,000 €
Nightly rate120 €
Occupancy65%
Fixed yearly costs (community, IBI, utilities)3,800 €
Total investment (price + 13.5% costs)397,250 €
Gross yearly revenue28,470 €
Yearly costs (fixed + 20% management)9,494 €
Net yearly income 18,976 €
4.8%
net yield
21 yrs
payback period

Indicative calculation — not investment advice. Excludes income tax, vacancies beyond the assumed occupancy and price changes. Holiday rental requires a tourist licence — we help you obtain one.

Book a visit to the coast

Tell us when you plan to fly in — we’ll prepare a selection and a 2–3 day viewing plan. We collect you from the airport, and refund the trip after purchase.

Monika Godek
Founder of Costa Casa Estate