Fees
Transparent fees, no surprises.
Nothing to pay while we negotiate with the banks. Our mortgage fee only applies once you have an offer, and the legal fee is split half on engagement, half on completion. Every figure below is the whole of it.
Bank of Spain D470 · Madrid Bar Association
What Foxes charges
Two fees, both itemised.
You can use the mortgage service on its own, the legal service on its own, or both. IVA is Spanish VAT at 21%.
Service 01
Mortgage
Regulated by the Bank of Spain, registration D470. Includes the lender search, all contracts, arranging the valuation and setting up your Spanish bank account.
| When it is due | Amount |
|---|---|
| Eligibility check and lender search | Free |
| Getting an official offer | Free |
| On accepting an offer | €1,500 + IVA |
| On the binding offer (FEIN) | 0.5% of the mortgage + IVA |
Nothing is payable until you have an offer in hand and decide to take it.
Service 02
Legal and conveyancing
Spanish property lawyers, registered with the Madrid Bar Association, English and Spanish speaking. Due diligence, contracts, NIE, notary and registration.
| When it is due | Amount |
|---|---|
| Fee basis | 1% of the purchase price + IVA |
| Minimum fee | €2,500 + IVA |
| On engagement | 50% of the fee |
| On completion | The remaining 50% |
We act for you and nobody else, not the seller, not the agent, not the developer. And because the lawyers sit with the mortgage desk, the legal checks and the lender's conditions run at the same time instead of one waiting on the other.
No upfront fee
No fee to get an offer
No fee if you do not proceed
No hidden charges
Worked example
A €300,000 purchase with a €210,000 mortgage.
A 70% loan to value, using both services.
Mortgage fee
€2,550
€1,500 on accepting the offer, €1,050 on the binding offer
Legal fee
€3,000
1% of €300,000, half on engagement, half on completion
Total paid to Foxes
€5,550
Spread across three moments, none of them before you have an offer
All figures plus IVA at 21%. These are our fees only: taxes, notary, land registry, gestoría and the valuation are paid to third parties and are shown below.
Other purchase costs
What a Spanish purchase costs in total.
Most of what you pay does not go to us. Taxes vary a lot by region, so pick yours and see the real figures. These are the same numbers our advisors quote you.
| Cost | Paid to | Amount |
|---|---|---|
| Transfer tax (ITP) 7.0% | Regional tax office | €21,000 |
| Notary | Notary | €600 |
| Land registry | Registry | €450 |
| Gestoría | Gestoría | €400 |
| Valuation | Approved valuation company | €450 |
| Foxes mortgage fee, inc IVA | Foxes | €3,086 |
| Foxes legal fee, inc IVA | Foxes | €3,630 |
| Total on top of the price | 9.9% of the purchase price | €29,616 |
Notary is 0.20% of the price with a floor of €600 and a ceiling of €2,500. Registry is 0.15% with a floor of €400 and a ceiling of €1,000. Gestoría and valuation are typical flat costs. Regional tax rates reviewed May 2026. These are the same figures our advisors use, from the same engine that powers our calculators.
Common questions
Fee questions we get asked.
How much does Foxes charge for a Spanish mortgage?
€1,500 plus IVA when you accept a lender's offer, then 0.5% of the mortgage amount plus IVA when the binding offer is issued. Nothing before that. On a €210,000 mortgage the fee is €2,550 plus IVA.
How much are legal fees when buying property in Spain?
Foxes charges 1% of the purchase price plus IVA, with a minimum of €2,500 plus IVA. Half is due when you engage us, half on completion. On a €300,000 purchase that is €3,000 plus IVA.
Do I pay anything before I get a mortgage offer?
No. The eligibility check, the lender search and getting an official offer are all free. The first fee falls due only when you accept an offer.
How much are the total costs of buying in Spain?
Budget roughly 10% to 12% of the purchase price on top, though it depends heavily on the region. On a €300,000 resale in Andalucía with a €210,000 mortgage the total is about €29,600, which is 9.9%. The same purchase in Catalonia is closer to 13%. Use the calculator above for your own region.
Do I have to use the Foxes legal team?
No, the legal service is separate and you can take the mortgage on its own. Most buyers use both because it is the same team, so the legal checks and the lender's conditions run together rather than one waiting on the other. Our lawyers act for you alone, never for the seller, the agent or the developer.
Are Foxes fees regulated?
Foxes is registered with the Bank of Spain as a credit intermediary, registration D470. The legal team is registered with the Madrid Bar Association.
What our clients say
Trusted by buyers from around the world.
Our clients come to us from London, Dublin, Dubai, Sydney and everywhere in between. All with the same goal of owning property in Spain. Here’s what they say about working with us.
4.7
Excellent · Rated on Trustpilot
Christopher Beall A++++++++++
He was very warm, kind and extremely helpful, answering all my questions. He put me completely at ease. Thank you for being so patient and understanding. He is a credit to your company.
The only place to go if you want to buy a house in Spain
From March when we contacted Foxes for the very first time to September when we got the keys, there wasn’t even one stressful situation. Christopher and Alejandra were there for us all the time.
Complex query resolved really well
I contacted banks and brokers who were not able to give me any solutions. With Foxes, I have found a trusted company who guided me during the whole process and managed to find a bank that offered me a mortgage.
First class mortgage broker
If you are looking for a mortgage in Spain then look no further than Foxes. Their knowledge and relationships with the banks make it so much easier to secure a mortgage. They have exceeded our expectations.
Best mortgage brokerage service
The experience of getting a mortgage couldn’t be easier with Christopher. He explained what to expect and within a week I received the mortgage approval with decent terms. I would happily recommend them to anyone.
The most transparent and knowledgeable company
I bought my first home and it was in Spain. There’s a special culture of empathy and diligence within the Foxes team that put me at complete ease every step of the way. They had my back the whole time.
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