Info & practice

Buying property in Spain and Portugal — what to know first.

From the tax number to purchase costs and choosing a bank: buying as a non-resident follows its own rules. These pages explain the steps — factual and current. We broker financing across three platforms in Germany, Spain and Portugal.

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Topics at a glance

Brokerage of mortgage loans under §34i GewO (sole proprietor Olga Nikushkina). Siegfried Perini has been the brand face on the ground since 2019, working personally since 1992. Not tax advice — the binding assessment belongs with a qualified adviser.

Non-resident mortgage

Requirements and documents for a Spanish mortgage without residence.

Learn more → Costs

Purchase costs Spain & Portugal

What taxes and fees to expect on a 2026 purchase.

Learn more → Comparison

Spanish vs. German bank

Which bank carries your Spanish mortgage better — compared.

Learn more → Strategy

Mortgage instead of cash

Why financing often beats paying cash on tax grounds.

Learn more → Tax

Wealth tax Spain

What non-residents need to know about Spanish wealth tax.

Learn more → NIE

Applying for the NIE

The Spanish tax number — step by step.

Learn more → NIF

Applying for the NIF

The Portuguese tax number — step by step.

Learn more → Portugal

CPCV pre-contract

Portugal's pre-contract: deposit, clauses, NIF requirement.

Learn more → Portugal

IFICI 2026

The NHR successor — what buyers in Portugal need to know.

Frequently asked questions

Can I get a mortgage in Spain as a non-resident?

In many cases yes, with a loan-to-value of typically up to 70% in Spain and up to 80% in Portugal — depending on credit standing, property and bank.

Do I need an NIE or NIF before buying?

Yes. For Spain you need an NIE, for Portugal a NIF — apply as early as possible. The step-by-step pages above show the way.

Do you also advise on taxes?

We explain the framework (e.g. purchase costs, wealth tax) but do not replace tax advice. The binding assessment is made by a local tax adviser.

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