The quiet alternative to Barcelona — Girona province, freely lettable (with an HUTG licence), a growing German–Dutch market.
The Costa Brava lies in Catalonia, which levies a progressive ITP: 10 % as the base rate, tiered up to 11 % in the upper price segment. That places Catalonia among the more expensive regions for transfer tax — partly offset by the often lower entry prices, compared with Mallorca or Marbella, in towns such as Lloret de Mar, Tossa de Mar or Begur. The ITP is the largest single item; budget around 11 to 13 % in total costs. Important for financing: banks finance the purchase price, not the incidental costs, and lend against the lower of purchase price and tasación — you must cover the ITP from equity in addition. Girona and Barcelona airports serve the coast. As of 07/2026; the Catalan rules in force at the time of purchase govern.
The city of Barcelona is under a strict rent cap (Ley de Vivienda 2023). For investors that means capped rents, higher letting risk and weaker returns. The Costa Brava (Girona province) is exempt — you can let at market rates, both long-term and to tourists (with a municipal HUTG licence).
Lloret de Mar — an established resort with good rental demand. Tossa de Mar — historic character, premium segment. Begur and Cadaqués — exclusive, with high value stability. L'Estartit — marina setting, an insider tip. The city of Girona — cultural, lettable year-round.
As everywhere in Spain: up to 70% loan-to-value for non-residents, 30% equity plus 10–13% purchase costs (ITP, notary, land registry, NIE). A Spanish mortgage with a fixed, variable or mixed rate — term up to 25 years.
Rents freely negotiable. Tourist letting possible with a municipal HUTG licence. Seasonality more even than on the Costa del Sol.
After Mallorca, the Costa Brava is the second most important market for Dutch buyers in Spain. I advise both language groups.
Girona-Costa Brava (GRO) and Barcelona-El Prat (BCN). The AP-7 connects the whole coast. A day trip from Germany is possible.
19% rental income tax (IRNR) for EU residents, with deductible mortgage interest. Wealth tax from approx. €500,000 of property (as of 2026, to be clarified with a tax adviser).
Concrete sample calculations for typical foreign buyers — as a guide for your own plan.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Pre-filled with typical values for this region — adjust and calculate.
Guide value without guarantee. Spain: max. 70%, Portugal: max. 80% loan-to-value for non-residents. Purchase costs = ITP/IMT + notary + land registry + lawyer + NIE/NIF. Total outlay = equity + purchase costs + all payments over the term. For a binding offer, contact us.
Model calculations without guarantee. Not binding offers. Terms vary depending on credit profile, property and bank. No tax or legal advice.
Financing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page → RegionFinancing in the region.
View page →Planning a purchase on the Costa Brava? A free initial consultation in English — also German, French, Dutch, Spanish, Russian. I review your situation and find the right bank in Spain.
Anonymised examples of how buyers financed their property in Costa Brava.