Buying a property involves managing numerous documents. Knowing what documents you need and what they're for will help you prepare better and avoid surprises during the purchase process.

Buyer documents

As a buyer, you'll need: valid ID or NIE, recent tax returns, proof of income (payslips or self-employment declarations), updated employment history, and if applying for a mortgage, additional documentation the bank will request such as employment contracts and bank statements.

Property documents

Before buying, verify these property documents: Land Registry extract (confirms ownership and charges), energy performance certificate, latest council tax receipt (IBI), certificate from the owners' association confirming no debts, and habitability certificate or first occupation licence.

Purchase documents

The purchase process generates specific documents: deposit contract (arras), public deed of sale before a notary, settlement of Transfer Tax (or VAT for new builds), and registration with the Land Registry.

Associated costs to consider

In addition to the purchase price, consider: taxes (ITP 6.5% or VAT 7% in the Canaries), notary fees, Land Registry fees, and agency fees. If financing with a mortgage, add valuation and loan costs.

Professional guidance

At Teivida Home, we accompany you throughout the entire process, ensuring all documentation is in order. Contact us to resolve your questions and buy with complete peace of mind.