Introduction
Dreaming of a sun-soaked life on Spain’s Costa del Sol? You are not alone. Fuengirola is increasingly becoming a top destination for international property buyers, with over 40 percent of recent property sales involving foreign nationals. Its combination of golden beaches, a vibrant expatriate community, and more than 320 days of sunshine per year makes it not just a desirable place to live, but also a compelling investment opportunity.Still, the process of buying property abroad can be complex. From understanding Spanish legal documents to calculating taxes and fees, many would-be buyers feel overwhelmed before they even begin. That’s why this guide is here to break down the entire buying process clearly and simply. Whether you are seeking a holiday home, planning your retirement, or exploring buy-to-let investment opportunities, this guide to buying property in Fuengirola in 2025 will help you move forward with clarity and confidence.
Why Choose Fuengirola for Property Investment?
Fuengirola offers an enviable lifestyle that blends coastal beauty with urban convenience. Located in the heart of the Costa del Sol, the town is home to a wide range of restaurants, shops, healthcare facilities, and international schools, making it suitable for retirees, digital nomads, and families alike. The town also boasts an efficient public transport system and close proximity to Málaga International Airport, offering easy travel options.Compared to larger cities like Madrid or Barcelona, Fuengirola presents a more affordable cost of living without sacrificing quality of life. Groceries, utilities, and dining out are generally less expensive, while property prices remain reasonable relative to other coastal areas.
The Fuengirola property market has demonstrated steady growth. According to recent market data, property prices rose approximately 6 percent in 2024, indicating healthy buyer demand and long-term investment potential. Whether you plan to live in the property or let it out seasonally, Fuengirola provides a strong return on investment and broad appeal.
Legal Requirements for Foreign Property Buyers in Spain
One of the most reassuring aspects for foreign buyers is that you do not need to be a Spanish resident to purchase property in Spain. Non-residents have full rights to buy and own property, although obtaining the correct legal identification is essential.The first legal requirement is obtaining a Número de Identificación de Extranjero (NIE), which is your official foreigner identification number. This number is required for all property transactions, utility setups, and tax payments.
Legal professionals such as notaries and property lawyers play a key role in the buying process. A Spanish notary will oversee the final deed signing and ensure that the transaction complies with Spanish property law. However, it is highly advisable to hire an independent lawyer to perform due diligence. This includes checking the property’s legal status, ensuring that it is free from debts or encumbrances, and verifying that the seller has legal authority to complete the sale.
Completing proper due diligence can prevent many of the pitfalls associated with buying property abroad, particularly for those unfamiliar with local regulations.
Types of Properties Available in Fuengirola
Fuengirola offers a wide variety of property types to suit different needs and lifestyles. Apartments are the most commonly available option and offer a low-maintenance solution for those seeking convenience and proximity to the beach or town centre. Villas, on the other hand, provide more privacy, space, and often include gardens or private pools, making them attractive for families or those planning to live in Spain full-time.When choosing between new builds and resale properties, each has its own advantages. New builds typically offer modern amenities, energy efficiency, and fewer immediate maintenance concerns. However, they may also involve construction delays or be located in developing areas. Resale properties tend to be in established neighbourhoods and may offer more character or value per square metre, though they might require renovation.
Popular neighbourhoods in Fuengirola include Los Boliches, known for its lively atmosphere and strong expatriate presence, Torreblanca, which offers excellent views and quieter surroundings, and El Higuerón, home to several luxury developments. In 2025, the average price for a two-bedroom apartment in Fuengirola ranges from €180,000 to €280,000, while modern villas can start from €600,000 and upwards.
Step-by-Step Guide to Buying Property in Fuengirola
The buying process typically begins with choosing a reputable estate agent who understands both the local market and the unique needs of international clients. Professional guidance from the start will help avoid common mistakes and streamline your property search.Once you find a suitable property, you will make a formal offer. If accepted, a reservation contract is signed, accompanied by a small deposit (usually between €3,000 and €6,000) to take the property off the market.
Next comes the private purchase contract, which formalises the sale and involves a 10 percent deposit. At this stage, your solicitor should have completed the legal checks and confirmed the property’s status.
The final step involves signing the public deed of sale, known as the escritura, in the presence of a Spanish notary. The remaining balance is paid, and you officially become the property owner. After this, your lawyer will register the property with the Land Registry to complete the legal process.
Financing Options and Costs Involved
Foreigners can indeed obtain mortgages in Spain. Most Spanish banks will offer non-residents up to 70 percent of the property’s value, depending on your income, credit history, and the property type. A deposit of at least 30 percent is generally required, and securing pre-approval before property hunting can give you an edge in negotiations.Key transaction costs include property taxes and legal fees. For resale properties, buyers must pay the Property Transfer Tax (ITP), which ranges from 7 to 10 percent depending on the region. New build purchases are subject to VAT (10 percent) and Stamp Duty (AJD), typically 1.5 percent. Notary and registration fees usually amount to around 1 percent of the purchase price.
Ongoing costs of property ownership include the local property tax (IBI), which is based on the property’s cadastral value, as well as garbage collection fees and community charges for shared services and maintenance. Home insurance, although not mandatory, is highly recommended to protect your investment.
Common Pitfalls to Avoid When Buying Property Abroad
One of the most frequent mistakes made by foreign buyers is underestimating the full cost of ownership. It is important to consider not just the purchase price, but also taxes, legal fees, and future maintenance costs.Another significant risk is dealing with unlicensed agents or developers who do not adhere to proper legal standards. Always confirm the credentials of your estate agent and use a registered lawyer to handle the paperwork.
Legal loopholes and zoning issues can also arise, particularly with rural or off-plan developments. A thorough legal review can help you avoid buying a property that cannot legally be used as intended.
Finally, some buyers fail to grasp local market dynamics. Understanding the timing, supply, and demand trends in the Fuengirola property market will help you make informed decisions and secure better value for your money.
Tips for Settling In: Living in Fuengirola as an Expat
Foreign buyers interested in living in Spain permanently may qualify for residency permits, including the Golden Visa scheme for property investments over €500,000. This visa provides a pathway to residency and can eventually lead to permanent status.Spain’s public healthcare system is excellent, but private health insurance may be required for non-residents or visa holders. There are also a number of reputable private clinics and hospitals in and around Fuengirola.
Language and cultural adaptation may take time, but many locals speak English, especially in areas with a high concentration of expatriates. Joining expat groups, language exchange meetups, or local clubs can help ease the transition and create a sense of community.
Fuengirola offers a high quality of life and a welcoming atmosphere for newcomers. With the right preparation, it can be a smooth and rewarding relocation.
Why Choose Eliasson Estates?
When it comes to buying property in Fuengirola, choosing the right estate agency can make all the difference. Eliasson Estates offers a combination of local expertise, ethical service, and client-focused support that sets it apart in the Costa del Sol real estate market.Their team has extensive knowledge of the Fuengirola property market and is multilingual, making communication seamless for international clients. They are committed to transparency, guiding you through every legal and financial step with clarity and integrity.
Eliasson Estates takes a personalised approach to property selection, carefully matching listings to your individual goals, whether you are looking for a beachfront apartment or a hillside villa. Their customer support extends beyond the transaction, assisting with everything from obtaining your NIE number to connecting you with reliable mortgage brokers and legal professionals.
By leveraging modern technology such as virtual tours and digital contract handling, they ensure that the buying process is smooth and efficient, even for those purchasing remotely. For more information, visit https://www.propertiesforsale.es.
FAQs: Buying Property in Fuengirola as a Foreigner
Can I buy property in Spain without being a resident?Yes, you do not need to be a resident of Spain to buy property. Foreign nationals are allowed to purchase property without any residency requirements. However, you will need to obtain an NIE (Foreigner Identification Number), which is mandatory for all property-related transactions. It is also advisable to open a Spanish bank account to handle payments and utility bills more easily.
Do I need a lawyer when buying property in Spain?
While it is not a legal requirement to hire a lawyer, it is strongly recommended. A qualified property lawyer in Spain will ensure that the sale complies with Spanish law, carry out due diligence on the property, and help you avoid common legal pitfalls. Your lawyer will also review contracts, manage tax payments, and represent your interests during the transaction.
How long does the property buying process usually take?
On average, the process takes between six and twelve weeks from making an offer to finalising the purchase. This timeline can vary depending on the complexity of the sale, whether financing is involved, and how quickly legal checks are completed. Delays may also occur if the property has unresolved legal or administrative issues.
Can I rent out the property when I am not using it?
Yes, you can rent out your property either short-term (holiday lets) or long-term. However, you must comply with local regulations, which may require a tourist rental licence for short-term rentals. These rules vary by municipality, so it is essential to check with local authorities or your estate agent before letting your property.
Is it better to rent before buying?
For many newcomers, renting before buying can be a wise decision. It allows you to explore different neighbourhoods, experience daily life in Fuengirola, and understand the property market before making a long-term commitment. Renting also gives you time to handle legal formalities such as obtaining your NIE and opening a bank account.
Conclusion
Buying property in Fuengirola as a foreigner in 2025 may seem complex at first, but with the right preparation and trusted guidance, the process becomes much more manageable. From understanding legal requirements and financing options to selecting the right neighbourhood and avoiding common mistakes, you now have a comprehensive roadmap to success.Fuengirola combines lifestyle, investment potential, and community in a way that few places can match. Whether you are seeking the perfect holiday home, planning your retirement, or looking for a smart investment, this vibrant town on the Costa del Sol welcomes you with open arms.
Ready to begin your journey? Speak to a trusted estate agent or property lawyer today and take the first step towards owning your Spanish home.
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