The questions that decide whether a purchase in Mallorca goes smoothly are rarely about the property. They are about tax, paperwork and sequence — so those are what we have written down.
How a purchase in Mallorca actually runs: NIE, reservation, the checks that matter, the reference value, deposit contract, completion, and what falls due after.
Read the guide → PaperworkWhat a Spanish NIE number is, the forms and documents needed, where to apply from abroad or in Spain, and what gets applications rejected.
Read the guide → ResidencySpain ended residency by property investment in 2025. What replaced it, what happens to permits already granted, and how the 90/180 rule actually counts.
Read the guide → TaxWhat a non-resident owner in Mallorca files and pays: Modelo 210, imputed income on an unlet home, deadlines, IBI, wealth tax, and the EU / non-EU divide.
Read the guide → RelocationThe ninety-day limit and how it counts, visas, healthcare and the S1, driving licences, pets and possessions, tax residency — the administrative side of the move.
Read the guide → FinancingHow Spanish lending differs for non-residents: loan-to-value, what banks assess, the valuation, the costs, and where currency risk sits if you earn outside the euro.
Read the guide → Living hereWhich costs are genuinely lower than in the UK, which are higher, and the running costs of a Mallorcan property that catch new owners out.
Read the guide → For sellersThe three per cent retention, capital gains, plusvalía, the documents a buyer's lawyer will demand, agency mandates, and how to sell without being on the island.
Read the guide → CostsA calculator for the costs on top of the price in Mallorca: progressive transfer tax, VAT and stamp duty on a new build, notary, registry and the reference value.
Read the guide → LettingWhy the letting licence attaches to the property rather than the owner, why it cannot simply be applied for afterwards, and what to check before you buy.
Read the guide →A guide can only take you so far. What applies to your purchase depends on the property, your residency and your timing — that conversation is free and carries no obligation.
