Acquisition -
Secure Financing and Expert Assistance to Close the Deal

Verify All Paperwork to Ensure a Smooth Property Acquisition Process

Once you have chosen the property you want to purchase, BREA will represent you and negotiate the most advantageous price on your behalf.

We are committed to ensuring that your property purchase goes smoothly and efficiently. To close the deal on your chosen property, we will take the following steps:

  • Verify that all necessary documents and paperwork are in order with the assistance of a public notary.
  • Work with mortgage brokers to help you secure financing for the property.
  • Consult with tax advisors to ensure that all necessary tax considerations are taken into account.

Our team of professionals will handle all of these tasks on your behalf, giving you peace of mind and confidence that everything is being handled properly.

If any issues come up during the checks that are required as part of the acquisition process, we will keep you informed and work with you to find a solution. Whether it's a problem with the property's title, a dispute with the seller, or any other issue, we will do our best to resolve it in a timely and effective manner.

By working closely with you and keeping you informed, we can help to minimize the risk of any issues arising and ensure that the acquisition process goes smoothly.

Financing your property

There are a variety of ways to finance the purchase of a property in Barcelona. The best option for you will depend on your financial situation, your creditworthiness and your personal preferences.

Mortgage brokers can be a useful resource when it comes to purchasing property in Spain, particularly for foreign buyers who may be unfamiliar with the local real estate market and the mortgage options available.

A mortgage broker is a professional who helps individuals and families secure financing for the purchase of a property. In Spain, mortgage brokers work with a variety of lenders, including banks, credit unions, and other financial institutions, to find the best mortgage product for their clients.

When working with a mortgage broker to purchase property in Spain, you will typically start by providing information about your financial situation, including your income, assets, debts, and credit history. The mortgage broker will then use this information to identify mortgage products that may be suitable for you and to help you compare the different options available.

Once you have chosen a mortgage product, the mortgage broker will work with you to complete the loan application and to gather any necessary documentation, such as proof of income and assets. The broker will also handle the negotiations with the lender and help you to understand the terms and conditions of the mortgage.

Overall, working with a mortgage broker can be a convenient and efficient way to secure financing for the purchase of a property in Spain. A mortgage broker can help you to navigate the different mortgage options available and to find a product that meets your needs and budget.

Making a down payment

When the checks and the mortgage offer have been finalized, contracts are exchanged with a 10% down payment to secure your property.

In Spain, it is standard practice to make a down payment of 10% of the purchase price when buying a property. This down payment is typically made at the time of the exchange of contracts (contrato de arras) , which is the point at which the sale of the property becomes legally binding.

The down payment is typically paid by bank transfer, and it is held in a secure account until the final payment is made at the time of legal completion. In the contract the completion of the purchase is conditioned  on a mortgage being approved for the buyer.

The purpose of the down payment is to demonstrate the buyer's commitment to the purchase. The down payment is typically applied towards the final purchase price of the property, with the balance being paid at the time of legal completion.

Overall, the down payment is an important aspect of the property acquisition process in Spain, and it is important to be prepared to make this payment when buying a property in Barcelona.

Legal completion

Legal completion of the property purchase process takes place at a public Notary's Office. At BREA, we are well-versed in Spanish laws and local regulations, and we will guide you through the process to ensure that it goes smoothly.

If you are unable to be present in the country at the time of the signature, we can represent you and ensure that everything is handled properly. Our team is dedicated to helping you navigate the complex legal and tax system in Spain and to making the acquisition process as efficient and stress-free as possible. For more information about this process, please visit:

Helping you navigate the Spanish legal and tax system

With BREA's acquisition assistance, you can have confidence that you are in good hands. Our team is dedicated to providing you with the highest level of service and helping you to achieve your real estate goals in Spain.