Real estate as a pension supplement
A property on the Costa del Sol generates rental income for as long as you own it and remains yours afterwards. This is not investment advice and is not a substitute for your pension scheme. It is a tangible asset with a long-term horizon that you can use yourself later or pass on.
Why the horizon determines everything
You determine three things in advance: your term, your repayment and who will eventually receive the property.
Term. Real estate is not liquid. Count on a long horizon, because you will not earn back the buyer's costs and sales costs in just a few years.
Repayment. Repaying your mortgage lowers your monthly costs and increases your net rental income later. Not repaying keeps liquidity free. Choose consciously, not by accident.
Destination. Are you selling the property later, will you live in it yourself, or are you leaving it as an inheritance? Spanish inheritance law makes that difference greater than you think.
From initial consultation to handing over the keys
Buying a property in Spain works differently than in other countries. With a clear process, local expertise and a single point of contact, you will know exactly where you stand at every step of the way.
Introduction and purchase profile
We will discuss your requirements, budget, preferred locations, and future plans. We will also look at how you intend to use the property: for personal use, rental, or a combination of both.
Personal property selection
Based on your purchase profile, we select suitable properties and developments. You will gain access to existing properties, new builds, and, where possible, exclusive or pre-launch listings.
Shortlisting and preparation
We will discuss the selected properties together. You let us know which options appeal to you, after which we will request additional information and create an efficient viewing schedule.
Viewings and honest advice
We will personally accompany you during viewings on the Costa del Sol. For each property, we discuss the possibilities, pricing, and key points, ensuring you can make an informed decision.
Negotiation and legal checks
Have you found the right property? We will then manage the offer and negotiations. A specialist lawyer will check the legal documents and terms before you enter into any final commitments.
Purchase and key handover
We monitor progress, coordinate contact with all parties involved, and guide you right up to the notary appointment and the handover of the keys.
We remain available for any questions afterwards, and our specialist teams can support you with interior design, rentals, and property management.
We have now successfully helped over 465 investors purchase their property on the Costa del Sol. Will you be next?
We have now successfully helped over 465 investors purchase their property on the Costa del Sol. Will you be next?
Discover the favourite places, addresses and experiences on the Costa del Sol.
The Costa del Sol is much more than sun, sea and real estate. It is a lifestyle. A place where gastronomy, luxury hotels, sport, relaxation, family, nature and Mediterranean life come together.
But where should you go if you really want to get to know the region? That is why this guide has been compiled. Not as a standard tourist list, but as a carefully curated guide with selected places, activities and recommendations.
Ideal if you want to discover the Costa del Sol better, whether you are visiting for the first time, are a regular in the region, are considering a second home or are already enjoying life in Spain.
Client testimonials
The best validation of our work comes from the people we have had the pleasure of assisting.
From a first investment in Spain to the purchase of a dream villa: every client has different wishes and objectives.
What remains the same is our personal approach and commitment throughout the entire process.
Property developer and estate agent on the Costa del Sol.
We guide clients through the buying and selling of property, develop our own projects, and provide access to a carefully selected range of new-build, existing, and exclusive properties.
Behind every transaction is a local team of property consultants, project developers, and operational specialists. Together, we support clients with a wide range of property decisions: from a second home on the Costa del Sol to an exclusive villa or a complete property portfolio.
Property purchases managed
2023 - 2026
Clients assisted
Own projects launched
Officially registered as an estate agent in Spain
Years of local experience on the Costa del Sol
Frequently asked questions
On time horizons, repayments, rental income and inheritance. Not investment advice.
We work with buyers who contribute at least 100,000 euros in equity, or approximately 30 per cent of the purchase price. Spanish banks provide financing for up to 70 per cent. If you are consistently below that, the burden will work against you rather than for you. We calculate this in advance based on your personal situation.
As a resident of the Netherlands, you pay 19 per cent tax in Spain on net rental income. In addition, there is the annual IBI (property tax). In the Netherlands, you declare the property in Box 3, where the tax treaty prevents double taxation. We will put you in touch with a tax specialist. This is not tax advice.
Spanish real estate is subject to Spanish inheritance law and Spanish inheritance tax, even if you live in the Netherlands. Your Dutch will does not automatically cover this. In Andalucía, there are exemptions for partners and children, but the tax return must be filed correctly and on time in Spain. Arrange this at the time of purchase. Heirs who only look into this afterwards end up paying twice.
It can be, and many buyers eventually do this. You stop renting it out and the property becomes your own home. Two things then change: the rental income ceases, and if you stay here for more than 183 days a year, you become a tax resident of Spain. Take this into account in your plan, as your cash flow will look different at that point than it did during the accumulation phase.
No. We do not hold an AFM licence and we do not provide investment advice. What we do is select, purchase, furnish and rent out properties. Whether this fits alongside your pension scheme, your annuity and your other assets is something you must determine with your own advisor. We provide the figures upon which you can base that decision.
Ready for your next step on the Costa del Sol?
Whether you are looking for a second home, an attractive investment or a place under the Spanish sun: we are happy to help you make the right choice. Book a free introductory call and discover which options match your wishes.
