Buying bank-owned property in Spain in 2026: Sareb, Aliseda, Servihabitat, Haya, Altamira and the foreign buyer's guide to repossessed homes

The listing looks too good to make sense. A two-bedroom flat in a mid-rise on the outskirts of Roquetas de Mar, priced at €52,000, with a photograph that has clearly been taken by someone who does this for a living. The seller is not a person. The seller is Aliseda Inmobiliaria, or Servihabitat, or Altamira Asset Management, or one of the other names most foreign buyers have never seen before. There is a small green badge that says ventaja del 12%. There is a phone number that goes to a call centre.

The foreign buyer's first reaction is almost always the same: this must be a scam, or a mistake, or one of those Romanian rental-fraud sites that copy Idealista photos. It is none of those things. It is one of the several hundred thousand properties owned or serviced by the small handful of Spanish real-estate servicers who took over the residential inventory of the failed cajas after 2012, absorbed Sareb's dwindling portfolio over the second half of the decade, and are now — in 2026 — the largest single owner of residential property in Spain that is not a person or a housing cooperative.

This is the guide nobody hands you at completion, because most foreign buyers give up on bank-owned property after their first phone call and never come back. It covers the four channels a bank-owned home actually reaches you through, the servicers you will end up talking to and what each of them is best for, the difference between the discount on the badge and the discount that survives due diligence, the occupancy question that decides whether the €52,000 flat costs €52,000 or €90,000, and the specific process for buying from a servicer as a non-resident — including the fact that the same bank that owns the flat will often be the one that lends you the mortgage on it.

If you are also looking at auctioned property, read this alongside the subasta guide — the two channels sound similar and behave nothing alike, and confusing them costs money.

Why so much property in Spain is owned by financial institutions

To understand what you are actually looking at when a Servihabitat listing appears in your search, you need one paragraph of history and one paragraph of arithmetic.

In the aftermath of the 2008–12 property crash, the Spanish savings banks (cajas de ahorros) collapsed under the weight of the developer loans they had made during the boom. To keep the banking system from failing, the state consolidated the failed cajas into a handful of surviving lenders and, in December 2012, created Sareb — the Sociedad de Gestión de Activos Procedentes de la Reestructuración Bancaria, universally called Sareb and colloquially called el banco malo — to absorb their toxic real estate at a discount and dispose of it over 15 years. Around 200,000 residential units and roughly €50 billion of loans passed into Sareb's hands. Several hundred thousand more remained on the surviving banks' balance sheets, either directly or through internal servicing arms.

The arithmetic that follows from this is simple. From 2013 onwards, Spanish banks have needed to dispose of a very large stock of repossessed homes without collapsing the market by dumping them. The route they chose was to hand day-to-day management to specialist real estate servicers (servicers inmobiliarios), who took the properties, priced them, marketed them, showed them and sold them. Most of the big servicers are now foreign-owned — Blackstone, Cerberus, Lone Star, Intrum, DoValue — and the residential stock they manage in 2026 is still, after a decade of disposals, comfortably above 200,000 units, roughly two-thirds of it flats built between 1998 and 2008.

Foreign buyers hear "bank-owned" and imagine a distressed developer trying to fire-sale the last four units of a coastal block. The reality is that most of what you are looking at is stock that has been on someone's books for eight to twelve years, priced by an algorithm that ratchets down slowly, and photographed once by a professional who was never inside the flat with heating on.

The four channels a bank-owned home reaches you through

Before you decide which servicer to speak to, understand the four completely different mechanisms bank-owned property can reach you through. Foreign buyers routinely lump them together and end up paying servicer prices for auction risk, or the other way round.

1. Direct listings on servicer websites (Aliseda, Servihabitat, Haya, Altamira, Solvia, Anticipa, Casaktua and their sub-brands). This is the mainstream, low-risk channel and where 90% of what a foreign buyer will look at actually lives. Fixed or slightly-negotiable prices, professional photos, standard due diligence, and — critically — the ability to visit before committing. This guide is mostly about this channel.
2. The Sareb catálogo (sareb.es). Sareb's residual portfolio, still marketed under its own brand although the servicing itself is subcontracted. In 2025 the Spanish government began transferring the bulk of Sareb's remaining social-housing-suitable stock to SEPES and the new Empresa Pública de Vivienda for public rental use, and the residential inventory on the open market has shrunk sharply. What remains in 2026 is mostly non-priority stock — inland flats, developer plots, a scatter of coastal units — and it is worth looking at, but the choice is narrower than it was two years ago.
3. Bank branch listings and portfolio sale campaigns. Traditional banks — CaixaBank, Santander, BBVA, Sabadell, Ibercaja, Kutxabank, Unicaja — still list a subset of their own repossessed stock directly on their consumer sites, often under a name like CaixaBank Inmuebles or Santander Inmuebles, and periodically run campañas with steeper discounts (typically 10–20% off the servicer-portal price) to clear specific portfolios before quarter-end. Worth checking directly if a specific bank has a lot of stock in your target area.
4. Judicial and notarial auctions of properties still owned by banks or Sareb. These are the subastas on the Portal de Subastas del BOE, and they are a different beast entirely — the property is often occupied, you cannot visit, and the deposit is at risk. Covered in full in the subasta guide. If you are new to Spanish property, do not start here.

The mistake most foreign buyers make is to Google "buying property from bank Spain" and land on an auction article. The article talks about 40% discounts and unrecoverable deposits and occupied flats, and the reader concludes that all bank-owned property in Spain works this way. It doesn't. The vast bulk of what you can actually buy from a bank in 2026 is a normal purchase from a normal seller who happens to be a servicer rather than a family — with a slightly cheaper price, a slower response and a specific set of tricks you need to know.

The servicers you will actually deal with

The Spanish REO (real-estate-owned) servicing landscape has consolidated aggressively since 2020. In 2026 there are effectively five names a foreign buyer will encounter. The parent companies keep changing; the brand names, the portals and the day-to-day experience stay roughly the same.

Aliseda Inmobiliaria — historically the servicer for Banco Popular and, after the 2017 absorption of Popular by Santander, for a large slice of Santander's repossessed stock. Owned since 2018 by Blackstone through the joint venture that also runs Anticipa. Portal: aliseda.es. Portfolio skewed toward the Mediterranean arc — Costa del Sol, Costa Blanca, Costa Cálida, the Balearics — with a heavy weighting of coastal and coastal-adjacent flats built between 2003 and 2010. The most professional-feeling of the servicer sites and the one most likely to have a functioning English-language pipeline for foreign buyers.

Servihabitat — long-time servicer for CaixaBank and, through CaixaBank's absorption of Bankia in 2021, for a very large residential portfolio inherited from the old cajas of Valencia, Castilla-La Mancha and Andalusia. Owned by Lone Star. Portal: servihabitat.com. Broadest geographic spread of any servicer — you will see stock in every Spanish province, including the interior — and by some margin the largest number of sub-€80,000 flats. Slower on responses than Aliseda but more open to negotiation on properties that have been on the books over two years.

Haya Real Estate — the old Bankia servicer, acquired by Intrum in 2022 and progressively merged with Solvia. Portal: haya.es (with Solvia listings increasingly appearing on solvia.es and cross-linked). Portfolio strong in the north — Valencia, Cataluña, Aragón, the Basque Country — and with a meaningful volume of Sareb-sourced stock that was transferred to Haya's management from 2020 onwards. Best for foreign buyers who know what they want in a specific provincia.

Altamira — the traditional Santander servicer, acquired by DoValue in 2019 and now merged with the old Finsolutia and Aktua platforms. Portal: altamirainmuebles.com. Portfolio mixed but with strong presence in Andalusia and the interior, and a large volume of garajes, trasteros and small plots that other servicers do not list — useful if you are buying a flat and want the parking space in the same block from the same seller.

Anticipa — Blackstone's directly-owned servicer, focused less on retail listings and more on portfolio-level disposals to investors, but with a public portal (anticipa.com) that is worth checking. Smaller stock but occasionally features properties that other servicers have already given up on and priced accordingly.

Beyond these five you will also see Casaktua (originally an Unicaja/Liberbank servicer, now part of the Intrum group), the CaixaBank Inmuebles and Santander Inmuebles consumer portals (which pull from Servihabitat and Aliseda respectively but present them under the bank's own brand for retail customers), and — for buyers looking specifically at the Balearics or Cataluña — a handful of regional bank portals that list stock nowhere else.

The practical shortcut: a foreign buyer targeting a specific comarca should check Aliseda, Servihabitat and Haya as a matter of course, and add Altamira if they are willing to look at Andalusia or the interior. Together those four cover the great majority of what is actually available.

What the servicer listing tells you, and what it doesn't

A servicer listing is a very different document from an Idealista listing, and the biggest single mistake a foreign buyer makes is to read one as if it were the other.

What a servicer listing does tell you reliably: the catastral reference of the property, the superficie construida and superficie útil, the number of bedrooms and bathrooms, the floor and orientation, the community name (if known), and — critically — a clear statement of whether the property is libre (vacant), ocupada (occupied) or con inquilino (tenanted under a valid rental contract). The servicer knows these things because they have been managing the file for years. When the listing says libre, it means legally vacant. When it says ocupada, it means someone is living there — often without a contract — and the property is subject to an occupancy risk that the price reflects.

What a servicer listing doesn't tell you: the state of the interior beyond the photograph, the state of the plumbing or electrics, whether the comunidad de propietarios has resolved works or derramas pending, whether the previous owner left IBI arrears or plusvalía debts against the flat, and whether the cédula de habitabilidad is current or has lapsed. Some of this information is available on request; some of it is not disclosed until you make a formal reserva.

There is also a third category, which is the information the listing gives you that is technically accurate but misleading in context:

• The "discount" badge. Most servicers display a percentage discount against a reference price that is the tasación hipotecaria — the mortgage valuation — from when the property was repossessed, sometimes eight or ten years ago. That valuation was almost certainly higher than the market price today, so the discount you are being offered is often measured against a fiction. Compare the servicer price to comparable Idealista listings in the same building, not to the discount on the badge.
• The "bank price". Some listings show precio banco alongside the market price. The bank price is what the servicer will accept without escalation. Prices above the bank price are open to informal negotiation; prices at or slightly below usually are not.
• The photograph date. Servicer photographs are frequently three to seven years old. The building next door that was under construction in the photo may now be a completed 40-unit block that blocks your afternoon light. Cross-check with a recent Street View pass.

The rule of thumb: treat a servicer listing as an honest starting point for a sourcing conversation, not as a specification you are buying against. Everything material about condition, occupancy and cargas has to be re-verified independently before you commit.

The occupancy question — the single biggest variable

For a foreign buyer, this is the question that decides whether a bank-owned property is a genuine bargain or an eight-quarter litigation problem.

Roughly three quarters of the residential stock listed by the major servicers in 2026 is libre — vacant, deliverable at signing, with keys handed over on completion. The other quarter is ocupada in one of two very different ways:

• With a valid rental contract (con inquilino, arrendado). A tenant is in occupation under a written contract that predates the repossession and that transferred with the property. You are buying the flat subrogado in the landlord's position: you cannot evict the tenant before the contract expires, you inherit the deposit and the rent, and the rent is often below current market because the contract is old. This is not a disaster — it can be a reasonable buy-to-let if the numbers work — but the listing price reflects this constraint, and you need to see the contract before the reserva.
• Without a valid contract (ocupada sin título, okupada). Someone is living there who has no legal right to be there. This is the okupas case, and it is the one that has generated most of the sensational press coverage of bank-owned property in Spain. Recovery of possession is possible — under the 2018 fast-track law for illegal occupation of a person's home if the property meets the definition of vivienda habitual, or under a normal civil eviction (juicio verbal de desahucio por precario) otherwise — but it takes anywhere from six months to two years and costs €3,000–€8,000 in legal fees. Servicers routinely list okupada stock with discounts of 25–45% versus vacant equivalents, and this is what generates the "€45,000 coastal flat" headlines. It is a viable strategy for a well-lawyered investor. It is not a first-home purchase for a foreign buyer arriving in Spain.

The rule for foreign buyers: unless you have a Spanish property lawyer already retained, an appetite for a multi-year legal process, and cash for both the purchase and the eviction, filter out ocupada sin título stock entirely. Every major servicer portal has this filter. Use it before you fall in love with a photograph.

For the arrendado case, read the contract in full — pay particular attention to the term (many pre-2019 contracts have unusually long minimum durations), the renta actualizada (some are frozen well below market), and whether the tenant is renta antigua (a pre-1985 contract, which effectively gives lifetime tenure at a symbolic rent). If your lawyer flags any of these, walk away or drop the offer significantly.

Condition, viewings and the "never been inside" problem

A bank-owned flat that has been on a servicer's books for eight years has almost certainly stood empty for most of that time. The heating has not been run. Water has been off. In many cases utilities are disconnected at the meter. The state of the interior can range from "better than expected because it was refurbished before repossession" to "the tenant left with the copper wiring."

You can visit — every mainstream servicer arranges accompanied viewings, and the process, while slower than an estate agent's, is standard. Book the viewing through the servicer's portal or call centre, expect to wait 5–15 working days for a slot in low season and up to 6 weeks in July–August, and turn up with a torch and a notebook because the flat will likely have no electricity connected.

Six things to check on the viewing that are specific to bank-owned stock:

1. Signs of previous occupation you did not expect. Mattresses, a fridge with contents, a lock that has been changed. The servicer's file may say libre and the reality on the ground may say otherwise. If in doubt, do not sign anything until the servicer confirms in writing and delivers possession.
2. Water damage in the ceiling of the lowest bathroom. Long-vacant flats above yours often have leaking sink and toilet seals; long-vacant flats below yours often have suffered a leak from above. Look up.
3. The electrical panel. If the panel is pre-2003 (dark grey, ceramic fuses, no differential switch or a single one), you are looking at a €1,500–€4,000 upgrade before the flat is legally connectable to the current grid.
4. The community notice board and the mailbox. Notice-board correspondence about pending derramas or contentious juntas is often more informative than the servicer's cover sheet. An overflowing mailbox is a marker of years of accrued IBI notices, community bills and letters from the water utility.
5. The stopcock and the meter. Are both accessible? Is the meter reading zero, or has the previous occupant been drawing water on a dead account?
6. The state of neighbouring flats. If half the block is bank-owned and empty, the comunidad is probably underfunded, common areas are probably deteriorating, and the block itself may be an unattractive place to live even if your specific flat is fine.

None of this is a reason not to buy. It is a reason to price the works into your offer and to budget for €5,000–€25,000 of refurbishment before you move in, on top of the purchase price.

For anything larger than a small flat, commission a proper peritación between the visit and the reserva. The €400–€800 spent on a perito is the difference between an intelligent offer and a bad surprise.

Financing: yes, the bank that owns it will often lend on it

One of the least-known facts about bank-owned property in Spain is that the bank whose servicer is selling the flat is frequently prepared to finance the same purchase, often on terms that are better than a normal non-resident mortgage.

The logic is straightforward. From the bank's perspective, selling the flat and lending on it is a doubly good outcome: they move the asset off the REO balance sheet and put a performing mortgage back on the credit ledger. From the buyer's perspective, the bank already knows exactly what the property is worth, needs no separate tasación (or accepts an internal one), and can process the mortgage in weeks rather than months.

Concrete terms you can typically expect on a servicer-financed purchase for a non-resident foreign buyer in 2026:

• Loan-to-value up to 80% on the bank's own valuation (versus the standard 60–70% for non-residents through third-party banks).
• Interest rates broadly in line with the non-resident market — Euribor + 1.5% to 2.5% for a mixed or variable, or 3.5–4.5% fixed for 20–25 years — sometimes with a small discount of 20–40 basis points as an incentive.
• Reduced arrangement fees (comisión de apertura), often waived on the specific stock the servicer is trying to move.
• No requirement for a third-party tasación, saving €400–€600.

Ask the servicer's call centre — early in the conversation, not after you have negotiated a price — whether "financiación del vendedor" is available on the specific property. If yes, get the terms in writing before you commit to the reserva. If no, get quotes from two independent non-resident mortgage brokers (see our mortgage guide) and treat the servicer's pricing as a starting point.

Two warnings. First, the fact that the seller is a bank does not exempt you from the standard Spanish mortgage protection process — you will still need a tasador signature, still need to attend the notary's acta previa, still need to give ten days between offer and signing. Second, the servicer's mortgage offer is often conditional on you buying the flat at their listed price — the "bank price", not a negotiated one. If you get a large discount, the mortgage may disappear. Model both scenarios before you decide.

Legal due diligence: exactly the same, only more so

The temptation with bank-owned property is to assume that because the seller is a bank, the paperwork must be clean. Sometimes it is. Often it is not, because the bank inherited the flat via foreclosure from an owner who had already stopped paying everything for years before the process concluded.

The specific cargas to check on a bank-owned Spanish property, in order of frequency:

1. IBI arrears (deuda de IBI). Under Spanish tax law, unpaid Impuesto sobre Bienes Inmuebles attaches to the property, not the owner. If the previous owner didn't pay for four years before the bank took the flat, that debt sits on the property until it hits the ten-year statute of limitations. In practice most servicers pay off any live IBI debt before completion, but check the nota simple and the ayuntamiento certificate to be sure.
2. Community fees (deudas con la comunidad de propietarios). Spanish law gives the comunidad de propietarios a preferential lien for the current and previous three natural years of unpaid fees. If the flat has €4,800 of arrears with the community, that debt is on the property, and you inherit it. Most servicers include a certificado de deuda from the administrador de fincas with the offer pack; if they don't, insist.
3. Plusvalía municipal. Technically the seller's tax, but on a repossession the ayuntamiento may have failed to collect it from the previous owner. Get an explicit written statement from the servicer that they will pay any plusvalía accrued to the completion date.
4. Pending derramas voted but not yet due. A derrama voted at last year's junta ordinaria for a €40,000 façade job — with payments starting six months after your completion — is your problem, not the seller's. The acta de la junta is the source document; ask for the last three.
5. Unregistered works (obras sin licencia). Repossessed flats sometimes carry unauthorised interior modifications — a merged bathroom, an enclosed balcony, a mezzanine — that never made it through the town hall. On a bank-owned sale the servicer discloses this rarely and reluctantly. Compare the catastro floor plan to what you see on the viewing.
6. Preferential creditors (derechos preferentes). Rare in 2026, but for older Sareb-sourced stock you occasionally see a residual claim from a subordinated developer creditor or a hipoteca residual that was not properly cancelled. A nota simple will surface any of these.

None of this is a reason to walk away from a bank-owned deal — a normal purchase from a private seller has the same failure modes, and often has less rigorous disclosure than a servicer's standard file. But the assumption that "a bank sold it, so it must be clean" is worth exactly nothing. Hire the lawyer you would hire for any other Spanish purchase, and give them the servicer's offer pack to work through.

What the discount actually is, and what it isn't

The question every buyer eventually asks: is bank-owned property really cheaper?

For vacant, current, well-located urban stock — a two-bed in Valencia city, a one-bed in Málaga capital, a townhouse in Zaragoza — the honest answer is 3–8% below comparable open-market listings on Idealista, plus a slightly bigger delta on transaction time. The servicer knows the local market as well as any agent and is not going to give the flat away because it's on their portal rather than an agent's window.

For coastal stock in a secondary location that never fully recovered — the interior of the Costa Cálida, back-street Torrevieja, parts of the Costa de Almería, the Levante hinterland, second-line Costa del Sol villages — the discount widens to 8–15%. This is the sweet spot for foreign buyers looking for a genuine value pick-up on a property they intend to use or renovate.

For stock the servicer has been holding for over three years, in a location with weak demand — inland Aragón, parts of Extremadura, the empty comarcas of Castilla-La Mancha, small towns in Teruel — the discount can reach 15–30%. This is where the €30,000 village houses and €40,000 provincial flats live. If you are looking at rural Spain, Extremadura or Aragón, the servicer portals should be your first stop, not your last.

For occupied stock — the ostentatiously cheap listings — the "discount" is really the price of a lawyer, an eviction, twelve to twenty-four months of vacant carrying costs, and a refurbishment. If you have all four, the numbers can work. If you don't, the sticker price is a marketing device, not a bargain.

The single most useful piece of context: the Spanish residential market as a whole rose roughly 6% year-on-year in 2025, and coastal areas rose faster. The larger discounts on bank-owned stock are catching up quickly. What was a 20% discount on a Costa Blanca flat in 2022 is a 10% discount in 2026. If your model is "wait for a further price fall," you have probably already missed it.

The full buying process, step by step

The process for buying from a servicer is standard Spanish property purchase with two additions and one modification. Assume 3 to 5 months from first click to completion for a straightforward vacant flat with an experienced buyer.

1. Search and shortlist. Cross-check the servicer portals against Idealista listings in the same block or comarca to establish market pricing. Filter out ocupada sin título stock unless you have a specific plan for it.
2. Register interest and book a viewing. The servicer's call centre or web form. Expect a 5–15 day wait for a slot in most of the country. For popular coastal locations in high season, expect longer.
3. Visit with a torch, a notebook and — for anything above €100,000 — a perito. The visit is often a single 30-minute slot; make it count.
4. Ask for the offer pack. Nota simple, cédula de habitabilidad (or a note on its status), IBI receipt, community debt certificate, occupancy status, and — for older properties — the catastro plan alongside the escritura description.
5. Make an offer (oferta económica). Formally through the servicer's portal or by email. Most servicers respond within 5–15 working days; some require the offer to be accompanied by a small reserva of €1,000–€3,000 that is refundable if the offer is rejected.
6. Reserva. If accepted, a contrato de reserva is signed and 1–3% of the price is paid, taking the property off the market for typically 30–45 days.
7. Contrato de arras and/or contrato de compraventa privado. Standard Spanish practice with the additional detail that on a bank sale the arras is often skipped and the reserva rolls directly into a compraventa privado with 10% down. Either way, get the terms of the arras explained by your lawyer before you sign.
8. Mortgage and completion paperwork. If you are using the servicer's own bank financing, the mortgage process runs in parallel and is typically finalised within 4–6 weeks. If you are using a third-party bank, budget 6–10 weeks.
9. Notary signing (escritura pública de compraventa). The servicer's legal representative attends, often via a poder rather than in person. You attend either in person or via your own power of attorney. See the signing day guide.
10. Post-completion. Register the deed at the Registro de la Propiedad, notify the ayuntamiento and the community, set up utility contracts. The first 30 days guide covers the sequence.

Two process quirks to know. First, the servicer's legal team is dealing with hundreds of files at a time and will absolutely miss your emails if you are not persistent. Copy your lawyer on every message, and expect to chase weekly. Second, servicers occasionally change the price between offer acceptance and reserva signing if the property receives a competing bid — get a written "price locked" confirmation before you transfer any money.

Six things foreign buyers get wrong about bank-owned property

The mistakes we see over and over, in rough order of expense:

1. Assuming ocupada means the same thing as ocupada sin título. Legally tenanted stock (arrendada) is a viable buy-to-let. Illegally occupied stock is a legal project. The listing usually distinguishes; the buyer often doesn't.
2. Chasing the biggest badge discount. The 40%-off flat is either occupied, in a bad building, or being priced against an eight-year-old valuation. The 8%-off flat in a normal building is the actual deal.
3. Skipping the viewing because the photos are professional. Servicer photographs are marketing material; the flat has been empty for years. What you save on the viewing you spend twice on the refurbishment surprise.
4. Underestimating the closing timeline. Servicers are slower than private sellers, not faster. Assume 3–5 months, not 6–8 weeks.
5. Not asking about the servicer's own financing. Free money left on the table. The 80% LTV on a bank-owned flat is often the difference between the deal working and not working for a non-resident.
6. Not using a lawyer because "the seller is a bank". The seller's legal team represents the seller. The IBI debts, the community arrears, the unauthorised works and the cédula issues are all still yours to catch — nobody in the transaction is representing you unless you appoint someone.

Where Buvivo fits

Bank-owned property is the classic case where being specific about what you will actually buy collapses the shortlist from thousands of listings to a handful. On a Buvivo request you can be as specific as "bank-owned or Sareb stock only, vacant, sub-€120,000, one or two bedrooms, within 30 km of Valencia city, IBI and community debts settled at completion, servicer financing available." That is a set of filters no servicer portal supports natively — they let you narrow by price, bedrooms, region and roughly one occupancy flag, and everything else is a manual scan through pages of listings.

Matching servicers, agents who specialise in bank stock, and independent brokers with access to portfolio catalogues come to you with properties that already meet the criteria. You spend an evening on genuinely relevant shortlisted homes rather than three weekends filtering out coastal okupas listings and pre-2003 electrical liabilities that the badge discount was quietly compensating you for.

That is the whole idea of a reverse property search: the specific conditions you would otherwise discover by burning weekends on servicer call centres become filters that suppliers must satisfy before you spend a minute on their listing.

Post your request in three minutes →

Further reading

• Buying property in Spain at auction: the subasta guide
• Off-market property in Spain
• Squatters (okupas) in Spain: the real risk, separated from the headlines
• Spanish mortgages for non-residents
• The Spanish property survey (peritación)
• Hiring a Spanish property lawyer
• The arras deposit contract
• Nota simple and the Registro de la Propiedad
• The hidden costs of buying property in Spain
• 14 red flags every foreign buyer should spot