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Purchase Process

1. Choose a property and Reserve

Purchase process, once you are 100% sure you have found the right property it is important to show the seller you are serious in your intent to purchase. You first sign a reservation document which outlines the sales price and basic terms of purchase. At this stage you pay a reservation deposit, which is normally about €6,000. Once the seller also signs reservation document the property is taken off the market.

2. Legal checks

It is important at this stage to have an independent lawyer  undertake “due diligence” (legal checks) on the property. (We can recommend English-speaking lawyers for you who specialize in property checks if you do not have one.) Only when your lawyer has completed the checks and is happy with everything will your €6,000 reservation deposit be then transferred to the sellers lawyer.

3. Private purchase contract.

At this point there’s normally a “private purchase contract”, this contract is normally within 2 weeks of paying the reservation deposit. This contract is the official agreement between both parties ( buyer and seller ) which covers all aspects of the sale, mainly the agreed price, any monies already paid and the expected date of completion. At this stage it is normal for the buyer to pay 10% of the purchase price ( less the €6,000 deposit ). Legally neither buyer nor seller after signing of the private purchase contract can withdraw from the sale. Everything can be handled by your lawyer; you just need to give him power of attorney.

4. Receive your title deed and keys

Your lawyer (with power of attorney) will sign for your title deeds at a notary, which he’ll then forward to the Land Registry to be recorded in your name. (He’ll first make sure there are no outstanding charges on your property.) Finally, he’ll help you in getting your utilities connected ( water, gas, electric etc ). If you have purchased on a development, formally meeting your community of owners. After this you simply have to collect the keys from your lawyer.


Reckon on 10-15% of the purchase process price, really depends on if the property is new or a re-sale. Here is a rough breakdown of the fees:

  • Legal (around 1%)
  • Notary & Land Registry (1%)
  • Stamp duty: only for new properties (1.2%)
  • IVA (VAT) on new properties (10%), Transfer Tax on resales (8%)
  • Mortgage commission: Varies (if you buy with a mortgage, there may be some additional notary/registry fees and stamp duty)


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