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Buying property in Estepona, as a UK buyer

Estepona sits on the same stretch of the Costa del Sol as Marbella, a few minutes further along the coast, but without the scale or the price tag that comes with Marbella's name. It's kept its identity as a working Spanish town - a real Old Town, a working fishing harbour turned marina, and a growing new-build scene along the coast towards the New Golden Mile - rather than existing purely as a resort.

That combination has made it a popular landing point specifically for UK buyers: close enough to Málaga airport for easy flights home, familiar enough that English is widely spoken in the property and legal side of a purchase, and - for now - still noticeably better value than its more famous neighbour for a comparable property.

The listings on this site are pulled from a live feed and refreshed daily, so what you're browsing reflects what's genuinely on the market in and around Estepona right now, not a static list that's gone stale.

Can UK citizens still buy property in Estepona after Brexit?

Yes - there's no restriction on UK nationals buying property anywhere in Spain, Brexit changed nothing about that. What did change is how long you can stay without a visa: as a UK citizen you can spend up to 90 days in any 180-day period in Spain visa-free. Plenty of owners use their Estepona property this way as a holiday home; if you want to live there full-time you'll need to look at a residency route such as the non-lucrative visa or, for larger investments, the Golden Visa.

What's actually involved in buying a resale property here as a UK buyer?

In outline: you'll need an NIE (a Spanish tax identification number - straightforward to get, either in person in Spain or via a Spanish consulate in the UK before you travel), a Spanish bank account, and a local lawyer to handle due diligence on the property. Once you've agreed a price you'll typically sign a reservation contract and pay a holding deposit, then a private purchase contract with a larger deposit, before completing in front of a notary and registering the property in your name. Most UK buyers budget several weeks to a few months from offer to completion, depending on financing.

What taxes and fees should I budget for on top of the purchase price?

For a resale property, the main one is Transfer Tax (ITP), which in Andalucía is charged as a percentage of the purchase price. On top of that, budget for notary fees, Land Registry fees, and your lawyer's fees - as a rough rule of thumb, UK buyers typically add 10-13% on top of the purchase price to cover taxes and costs. New-build properties are taxed differently (VAT plus Stamp Duty rather than ITP). Your lawyer will confirm exact figures for your specific purchase.

Can I get a mortgage in Spain as a non-resident UK buyer?

Yes, Spanish banks routinely lend to non-resident UK buyers, though typically at a lower loan-to-value than they'd offer a Spanish resident - often up to 60-70% of the property's value rather than the 80% or so a resident might get. You'll need to show proof of income and go through the bank's own affordability checks. Some UK buyers instead release equity from a UK property or use savings, to avoid currency risk on a Spain-based mortgage.

How does Estepona compare to Marbella for UK buyers?

Estepona is generally more affordable than Marbella for a comparable property, while still sitting on the same stretch of the Costa del Sol with the same coastline and climate. It's kept more of its identity as a genuine working Spanish town alongside the newer developments - the Old Town, the beaches, and areas like New Golden Mile all sit within a compact area without Marbella's scale or price premium. For UK buyers prioritising value without giving up the Costa del Sol lifestyle, it's become a popular alternative for exactly that reason.

Are the prices shown in euros or pounds?

Prices on this site are shown in euros - that's the real, actual transaction currency for any property here - with an approximate sterling conversion shown alongside on each property's own page, so you get a feel for the cost in pounds without us implying that's what you'd actually pay. That conversion updates daily using European Central Bank exchange rate data, but your own bank or currency provider will quote the real rate at the time you transfer funds.