Buying in Spain from the Netherlands, without the assumptions.

If you are a ZZP'er or a DGA (directeur-grootaandeelhouder), your income structure — salary from the BV, dividend payments, management fees — needs to be unpacked for a Spanish bank. A jaaropgave or IB60 alone does not tell the full story. We present the business structure, the income drawn, and the stability behind it.

Who this is for

• ZZP'ers buying a second home or relocating to Spain
• DGA's with salary plus dividend from a BV
• Dutch buyers with a holding-BV or management company
• Buyers whose income mixes employment and self-employment

If you buy in Spain but remain a Dutch tax resident, you are subject to Spain's non-resident income tax (IRNR) and potentially wealth tax (Impuesto sobre el Patrimonio). At the same time, the property must be declared in your Dutch box 3. We make sure the bank file is consistent with your cross-border tax position — and flag where you need advice from a fiscalist.

Who this is for

• Dutch buyers keeping tax residency in the Netherlands
• Buyers planning to relocate and change tax residency
• Buyers unsure how the property fits into box 3
• Retirees splitting time between Spain and the Netherlands

NHG does not apply in Spain. Hypotheekrenteaftrek does not apply for a Spanish property. LTV ratios for non-residents are typically lower (60-70%) than what you are used to in the Netherlands. The rules are different, and the right expectations from the start save time and frustration later.

Who this is for

• First-time international buyers used to the Dutch mortgage system
• Buyers expecting similar LTV ratios as in the Netherlands
• Buyers who have not yet budgeted for the higher deposit required
• Anyone comparing Spanish and Dutch mortgage conditions

In the Netherlands, the overdrachtsbelasting is currently 2% (or 0% for first-time buyers under 35). In Spain, the transfer tax (ITP) ranges from 6% to 10% depending on the region, plus notary, registro, gestoría and mortgage costs. Total buying costs for a non-resident typically run 12-15% of the purchase price. We lay out every cost before you commit.

Who this is for

• Buyers who have not yet budgeted total acquisition costs
• Buyers comparing costs across Spanish regions
• Buyers purchasing new-build (IVA + AJD instead of ITP)
• Buyers who want a clear cost breakdown before committing