Question 1

Can I buy a house in Torrevieja as a foreigner?

Accepted Answer

Yes, as a foreigner you can buy a property in Torrevieja without any restrictions. Torrevieja is one of the most international cities in Spain, where more than 50% of the population is foreign. There are large communities of Dutch, Belgians, British, Scandinavians and Russians. The only thing you need is a NIE number (Spanish tax number for foreigners), which you can apply for at the Oficina de Extranjería in Alicante or through the Spanish embassy in your home country.

Question 2

What are the average property prices in Torrevieja?

Accepted Answer

The average property prices in Torrevieja range between €80,000 and €250,000, depending on the type of property and location. A 2-bedroom apartment costs on average €90,000-€150,000, while a detached villa starts from €200,000. Torrevieja is one of the most affordable locations on the Costa Blanca, making it popular with buyers on a limited budget. Prices have risen by approximately 5-8% per year in recent years.

Question 3

What costs are added to the purchase price in Torrevieja?

Accepted Answer

When purchasing a property in Torrevieja, you should budget for 10-13% in additional costs on top of the purchase price. This consists of: Transfer tax (ITP) of 10% for existing properties in the Valencia region, or 10% VAT + 1.5% stamp duty for new builds. Additionally, you pay notary fees (€600-€1,200), land registry fees (€400-€700), and lawyer fees (1-1.5% of the purchase price). For a property of €150,000, you should therefore expect approximately €15,000-€20,000 in additional costs.

Question 4

Can I get a mortgage as a foreigner for a property in Torrevieja?

Accepted Answer

Yes, Spanish banks provide mortgages to foreigners for properties in Torrevieja. As a non-resident, you can usually borrow 60-70% of the appraised value. Current mortgage rates are around 3-4% for non-residents. Banks such as CaixaBank, Sabadell and BBVA have experience with international clients in Torrevieja. You will need: NIE number, proof of income (payslips or tax returns), bank statements, and a property valuation report.

Question 5

What are the best neighborhoods to buy in Torrevieja?

Accepted Answer

The best neighborhoods in Torrevieja are: La Mata - quiet, close to the beach and salt lakes, popular with families. Los Locos/Playa del Cura - centrally located with all amenities within walking distance. Torrevieja Centro - lively, with restaurants and shops. Los Balcones - modern urbanization with swimming pools and gardens. Punta Prima - bordering Orihuela Costa, with new developments and golf courses nearby. Each neighborhood has its own character: La Mata is quieter, while the center offers more activity.

Question 6

Can I rent out my property in Torrevieja via Airbnb?

Accepted Answer

Yes, you can rent your property in Torrevieja to tourists, but you need a tourist license (licencia turística) from the Generalitat Valenciana. Torrevieja is a popular holiday destination, especially in the summer months. Rental income can yield €800-€1,500 per week in high season (July-August). Note: regulations are becoming stricter and some homeowners' associations prohibit short-term rentals. Always check the statutes of your community before purchasing.

Question 7

What annual costs do I have as a property owner in Torrevieja?

Accepted Answer

As a property owner in Torrevieja, you pay annually: IBI (municipal property tax) of €200-€800 depending on the cadastral value. Community fees (HOA) of €50-€150 per month for an apartment. Non-resident tax of approximately €300-€500 per year. Building insurance of €150-€300 per year. Utilities (water, electricity) averaging €100-€150 per month. In total, you should budget €3,000-€5,000 per year in fixed costs for an average apartment.

Question 8

What documents should I check when buying a property in Torrevieja?

Accepted Answer

When buying in Torrevieja, you should check the following documents: Nota Simple (property deed from Land Registry) to verify that the seller is indeed the owner and there are no mortgages or liens. IBI receipts to check that all municipal tax has been paid. Certificate from the HOA confirming there are no outstanding community fees. Cédula de Habitabilidad (habitability certificate). Energy certificate (mandatory). Pay extra attention to older properties in Torrevieja: some have illegal extensions or terrace enclosures that could cause problems later.

Question 9

Do I need a lawyer when buying a property in Torrevieja?

Accepted Answer

It is not legally required, but it is strongly recommended to hire an independent lawyer when purchasing in Torrevieja. There are many Dutch and Belgian law firms active in the region specializing in real estate transactions. A lawyer costs on average 1-1.5% of the purchase price (minimum €1,500) and protects you against common problems such as hidden debts, illegal constructions, or incomplete documentation. Unfortunately, there have been cases of construction fraud in Torrevieja in the past, so legal guidance is essential.

Question 10

What is the difference between buying new build and resale in Torrevieja?

Accepted Answer

New build in Torrevieja: You pay 10% VAT + 1.5% stamp duty instead of 10% transfer tax. New builds are more energy-efficient (better insulation, solar panels) and have warranties up to 10 years. Disadvantage: often longer delivery time (1-2 years) and less centrally located. Resale: Immediately available, often better locations in the center or by the beach, and you know exactly what you're buying. Disadvantage: may need renovation and higher energy costs. In Torrevieja, there is plenty of choice in both categories.

Question 11

Can I get a Golden Visa by buying a property in Torrevieja?

Accepted Answer

Yes, if you invest €500,000 or more in real estate in Torrevieja, you qualify for the Spanish Golden Visa. This gives you and your family residence rights in Spain and free travel within the Schengen zone. In Torrevieja, there are luxury villas and multiple apartments that together meet this amount. Note: the Spanish government is considering changes to this program, so inquire about current rules. The Golden Visa must be applied for within 90 days after purchase.

Question 12

What taxes do I pay as a non-resident with a property in Torrevieja?

Accepted Answer

As a non-resident with a property in Torrevieja, you pay: Annual non-resident tax (IRNR) - if you don't rent out the property, you pay tax on deemed rental income (1.1-2% of cadastral value × 19-24% tax rate). This amounts to €200-€500 per year for an average property. IBI (property tax) - annually to the municipality of Torrevieja. Upon sale: capital gains tax of 19-23% on the profit. EU citizens (including Dutch and Belgians) pay 19%, non-EU citizens 24%.

Question 13

How long can I stay in my property in Torrevieja without a visa?

Accepted Answer

As an EU citizen (Dutch, Belgian), you can stay in Torrevieja indefinitely. For stays longer than 3 months, you must register with the municipality (empadronamiento) and apply for a residence certificate. As a non-EU citizen (e.g., British post-Brexit), you may stay a maximum of 90 days per 180 days in Spain without a visa. If you want to stay longer, you need a residence permit (through work, retirement, Golden Visa, or family reunification). Owning a property does not automatically grant residence rights.

Question 14

How long does the buying process take for a property in Torrevieja?

Accepted Answer

The buying process in Torrevieja takes on average 4-8 weeks from signing the reservation contract to notarial transfer. The steps are: Reservation with deposit (€3,000-€6,000), legal due diligence by your lawyer (1-2 weeks), signing private purchase contract with 10% deposit, and finally the transfer at the notary. If you need a mortgage, the process may take 6-10 weeks. New builds can take 1-2 years if the property still needs to be built.

Question 15

How large is the expat community in Torrevieja?

Accepted Answer

Torrevieja has one of the largest expat communities in Spain. More than 50% of the approximately 80,000 inhabitants are foreign. There are large groups of British, Scandinavians (especially Norwegians and Swedes), Dutch, Belgians, Germans and Russians. There are Dutch supermarkets, international schools, and many English-speaking services. This makes Torrevieja ideal for those who don't speak fluent Spanish. There are active expat clubs and social networks that make it easy to connect.

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