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NuSun Realty | Free Costa del Sol Cost Calculator
Costa del Sol Property Calculator
Work out how much cash you may need to buy in Spain, or start with the money you have available and estimate the property budget it could support.
About 60 seconds
No login required
Nothing you enter is stored
Resale & new-build
Cash or mortgage
Your Number Is Only The Start
Now turn the numbers into a property search.
Once you have a clearer idea of your buying position, the next question is where and what you should actually be looking at.
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See homes currently available across Marbella, Estepona, Benahavís, Mijas, Sotogrande and the wider Costa del Sol.
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Tell us your approximate budget, preferred areas and the type of property you want. We can help you compare the realistic options.
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Buying Property On The Costa Del Sol
What does the calculator take into account?
The amount of cash required to buy a property in Spain is not just the deposit or purchase price. Buyers also need to allow for purchase taxes and transaction costs.
The structure also changes depending on whether you are buying a resale property or a new-build or off-plan home, and whether a mortgage forms part of the purchase.
The calculator is designed as a practical planning tool rather
than a legal, tax or mortgage quote. The figures for a specific
purchase should always be confirmed before you commit to the
transaction.
Resale buying costs
For resale property in Andalucía, the calculator allows for the applicable purchase tax together with indicative legal, notary, Land Registry and administration costs.
New-build buying costs
A new residential property purchased from a developer uses a different tax structure. The calculator models VAT, AJD and the other indicative transaction costs.
Your own cash contribution
If you plan to use finance, the calculator estimates the bank contribution and the amount of the purchase and buying costs you may need to fund yourself.
When you may need the money
The result also gives you an indicative payment journey so you can see how your own funds may be required through the reservation, contract and completion stages.
Costa Del Sol Property Calculator FAQs
Questions buyers usually ask about the numbers.
The calculator gives you a useful planning position. These answers explain some of the areas buyers most commonly ask us about.
How much extra should I budget when buying property on the Costa del Sol?
The exact amount depends on the property type and transaction. Resale and new-build purchases have different tax structures, while mortgage buyers also need to allow for their own contribution and any finance-related costs. The calculator gives you a more useful estimate based on the route you choose.
Can I use the calculator for both resale and new-build property?
Yes. The calculator lets you choose between resale and new-build or off-plan residential property so the estimate can reflect the different buying-cost structure.
Can I start with the cash I have available instead of a property price?
Yes. You can start with the amount of money you have available and the calculator will work backwards to estimate the property price that amount could support once the relevant buying costs and any mortgage contribution are taken into account.
How much deposit does a non-resident need for a mortgage in Spain?
There is no guaranteed percentage. Mortgage lending depends on the borrower, lender, property and valuation. The calculator uses an illustrative planning percentage rather than guaranteeing that a lender will offer that level of finance.
Does the mortgage calculation guarantee what I can borrow?
No. Income, existing liabilities, age, residence status, credit profile, lender criteria and the bank valuation of the property can all affect actual borrowing.
Does the calculator include buying costs as well as the property price?
Yes. The estimate includes indicative allowances for the relevant purchase taxes and a number of the typical transaction costs involved in buying property in Spain. You can also open the full calculation breakdown in your result.
Will I need all of the estimated cash on day one?
Not usually. The calculator includes an indicative payment journey showing how money may be required at reservation, private purchase contract and completion. Actual payment stages depend on the property and contract.
Is the calculator a legal, tax or mortgage quote?
No. It is a planning tool designed to help buyers understand the approximate numbers before or during their property search. Property-specific legal, tax and mortgage figures should be confirmed by the relevant professionals before you commit to a purchase.
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