Our approach to buying in Spain | Oro Estate
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Buying a home in Spain, without the Spanish pitfalls.

The legal, tax and construction risks of a Spanish purchase can’t simply be wished away. That is why our clients buy through one process, with one point of contact, in their own language.

Why Oro Estate

What sets us apart

Advisor pointing at a map of the Spanish coastline with property options
You know the pitfalls before you sign

We’re the only ones who explain how Spanish property really works: the opportunities and the pitfalls. Always backed by data, so you decide on facts, not gut feeling.

Experienced Oro Estate advisor at her desk
We’ll tell you when it’s better to wait

Everyone tells you when to buy. We also tell you when you’re better off not buying, even when that works against our own interest. Honest advice, no sales pitch.

Oro Estate advisor showing a pre-vetted villa to a couple
Our agents pass a rigorous screening

Not just anyone works under our name. Our agents are rigorously screened and must meet five uncompromising Oro standards. Only the very best make the cut, so you’re guaranteed an agent of the highest calibre.

A couple walking relaxed along the beach
You’re never stuck with the wrong agent

Not clicking with your agent? We’ll swap them. With our agent-replacement guarantee you start with peace of mind, because your choice is always reversible.

In five steps

From first conversation to key handover.

  1. Introduction

    Introduction

    We discuss your wishes, the region and your financial situation. Entirely no-obligation, entirely free of charge. By the end of this call we both know whether we can be useful to you. If it fits, we schedule step 2 at our office in the Netherlands. If it does not fit, we say so. No sales talk, no pressure to continue, no quote landing in your inbox afterwards.

    Get to know us
  2. Selection and financial check

    Selection and financial check

    We put together a personal selection of projects that genuinely fit your wishes and goals. The presentation runs on a large interactive screen at our office; you see the full coastline, the floor plans, the show homes. At the same time we walk through your financial picture, equity, surplus value on a Dutch property, or financing through a Spanish bank. Within a few hours you know what is feasible.

    Book a consultation
  3. Viewing tour in Spain

    Viewing tour in Spain

    We pick you up at your hotel. One car, one day or several, along the selected projects and the surroundings. We don’t just look at the home, we look at the place: amenities, infrastructure, rental potential where relevant. If you decide to buy, we sign the reservation contract with the developer on the spot.

    Plan your viewing tour
  4. Purchase guidance up to handover

    Purchase guidance up to handover

    From the reservation contract onwards, our aftersales team takes over. NIE number, Spanish bank account, legal review of the purchase contract, tax filings, communication with the developer about materials and build phases, all of it runs through us. One point of contact in the Netherlands. Want to meet face to face during construction? Drive past our office and we sit down together.

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  5. Handover, and what comes after

    Handover, and what comes after

    We are there when you receive the keys. We toast your new home with you, on the spot. Want to rent it out? We arrange the lot, interior, photography, listing, rental management. Want to resell in three years? We guide that too. Want a second home later? You know where to find us.

    Because this is where the difference sits. For most agents the relationship ends at the notary. With us, that is where the long term begins.

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With the Oro portal, you always know where you stand

Every Oro Estate client gets access to their own secure online portal. Day and night, wherever you are, you have full visibility into:

  • Status of your purchase, step by step

  • Build phase and delivery

  • Scheduled viewings and tours

  • Payment moments and invoices

  • All documents for your purchase

  • Your mortgage and financing

Book a portal demo with our experts
The Oro portal showing the “My home” page: a photo of the property in Marbella, payment milestones and the status of the purchase.

What ‘family’ means with us

Four ways we stay involved long after you’ve bought.

One point of contact

No ticket system and no rotating case managers. You know who you call, and they always call back.

Always reachable

Tax question? Leaking tap? Sell or rent it out? You call us and we sort it, or connect you with the right partner.

Resale and rentals

Once you’re in, everything you do in Spain afterwards runs through us. No lock-in, just convenience.

Priority on projects

Oro Estate clients get priority on new projects before they’re publicly announced, often on better terms.

Frequently asked

What clients ask us most often in step 1.

What if I’m not sure my financing will come together?

Steps 1 and 2 are no-obligation and free. Only in step 3, when the reservation contract is signed, do you commit financially. We don’t enter that step if the financing isn’t in place.

Do you also work with existing properties or only new build?

Our focus is new build, that’s where the price gap between launch and delivery is largest, and where bank-guarantee and warranty structures work tightest. For existing homes we look case by case at whether we can deliver the legal check at the same standard.

How long does the whole process take?

From first conversation to reservation contract: 4 to 8 weeks on average. From reservation contract to handover depends on build phase, with a build period of between 6 and 12 months, projects closer to delivery less.

What does it cost me?

For you as a buyer: nothing. Our fee is paid by the developer. Beyond that, the customary Spanish purchase costs apply: 10% VAT, plus lawyer, notary and municipal tax fees, together a maximum of around 13% of the purchase price. In step 2 we walk you through all of these costs in detail, so you know exactly what to expect before you ever travel to Spain.

After handover, do I need a subscription to stay reachable?

No. You keep access to your portal and your point of contact at no cost. Optional services (rental management, resale) have their own rate, we discuss it when it becomes relevant.

A Mediterranean villa on the Costa Blanca at sunset

Is our approach right for you? Then let us find your dream home.

Book a no-obligation Zoom where we explore whether we can be useful to you, and whether you fit how we work.

  • One point of contact, in your language, throughout the journey
  • Access to the Oro portal from day one
  • Fully no-obligation, no commitment afterwards

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