🏠 Buying Property

Complete buying process: NIE application, due diligence at Registro de la Propiedad de Dénia, contract review, notary completion, and Land Registry inscription. We verify planning permissions with the Ayuntamiento de Dénia.

💰 Selling Property

Sale preparation, EPC and Cédula de Habitabilidad, contract drafting, capital gains tax calculation, 3% non-resident retention, and plusvalía municipal tax at the Ayuntamiento de Dénia.

📜 Inheritance & Wills

Spanish inheritance processing for Canadian heirs, succession tax optimization under Valencia Community regulations, cross-border estate planning, and Spanish will drafting at the Notaría de Dénia.

📋 Power of Attorney

Poder notarial preparation and signing at the Notaría de Dénia, allowing us to act on your behalf for property transactions, tax matters, and administrative procedures while you are in Canada.

Do I need a NIE to buy property in Dénia as a Canadian?

Yes, all foreign nationals including Canadians need a NIE (Número de Identificación de Extranjero) to purchase property in Spain. This is your Spanish tax identification number required for the purchase deed, tax payments, and utility contracts. We can obtain your NIE through the Policía Nacional in Dénia or via the Spanish Consulate in Canada with a power of attorney.

What taxes do Canadian buyers pay when purchasing in Dénia?

For resale properties in Dénia, you pay ITP (Impuesto de Transmisiones Patrimoniales) at 10% of the purchase price. For new builds, you pay IVA at 10% plus AJD (Actos Jurídicos Documentados) at 1.5%. Additional costs include notary fees, Land Registry fees, and legal fees. The total buying costs typically amount to 12-14% of the purchase price.

Can I get a mortgage in Spain as a Canadian citizen?

Yes, Spanish banks offer mortgages to non-resident Canadians, typically lending 60-70% of the property value or purchase price (whichever is lower). Interest rates and terms vary between banks. We work with mortgage brokers in Dénia who specialise in expat lending and can help you find the best rates.

What is the 3% retention when selling property in Dénia as a non-resident?

When a non-resident Canadian sells property in Spain, the buyer is legally required to retain 3% of the purchase price and pay it directly to the Spanish Tax Agency (Agencia Tributaria) as an advance on the seller’s capital gains tax. If the actual tax liability is lower, you can reclaim the difference by filing a tax return within 3 months of the sale.

Do Canada and Spain have a double taxation agreement?

Yes, Canada and Spain have a bilateral Double Taxation Convention that prevents you from being taxed twice on the same income or gains. This is particularly important for rental income from your Dénia property and capital gains when selling. We can advise on how to optimise your tax position under this agreement.

How long does the property buying process take in Dénia?

The typical buying process in Dénia takes 6-10 weeks from signing the reservation contract to completion at the notary. This includes time for NIE application, due diligence at the Registro de la Propiedad de Dénia, mortgage arrangement (if applicable), and scheduling the escritura signing. With a power of attorney, you do not need to be physically present in Dénia for every step.