Buy property in Málaga
Featured flats and houses in Málaga
HOUSE FOR SALE ON CAMINO DE LOS ALMENDRALES – O339F –
HOUSE FOR SALE IN OLLETAS – O353F –
FLAT FOR SALE IN HUELIN – H295D –
HOUSE FOR SALE IN THE MONTES DE MÁLAGA – O395F –
FLAT FOR SALE ON CALLE CASARABONELA – O235F –
FLAT FOR SALE IN ORTEGA Y GASSET – O320F –
FLAT FOR SALE ON CALLE ALOZAINA – O343F –
FLAT FOR SALE IN TABACALERA – H188B –
FLAT FOR SALE IN ORTEGA Y GASSET -O172F –
FLAT FOR SALE IN BAILÉN-MIRAFLORES – H265A –
GARAGE AND STORAGE ROOM FOR SALE IN HUELIN – HG52A –
FLAT FOR SALE IN HUELIN – H600A –
Flats and houses for sale in Málaga
Buy property in Málaga
Explore the wide range of properties for sale in Málaga, grouped into the following property types to meet the needs and preferences of every buyer:
Buy a home at a good price in Málaga
At Valoracasa Estate Agents we have the best exclusive homes and a team of professionals who will advise you throughout the process. We offer specialist services to make your purchase easier.
Just tell us what kind of home you're looking for and where, and we'll take care of everything:
- Searching for homes for sale: We find the home that suits your needs.
- Mortgage processing: We advise you on your options and terms and arrange your mortgage free if you buy with us.
- Paperwork and signing: We take care of all the formalities and paperwork so you buy your home on the best terms and with every guarantee.
Buy a flat or house near the beach in Málaga
The Costa del Sol is one of the best places to live. Its climate and beaches attract millions of visitors every year, and Málaga, which keeps growing, offers highly sought-after homes. Buyers looking for a home, residents of other cities looking for a second home o investors interested in the area's high returns all find Málaga an ideal destination.
Buy your home in Málaga with Valoracasa, close to the coast, and secure an investment for the future or a place to enjoy whenever you like
Buy a home by district
Buy a home by town
Buy a home in Málaga by neighbourhood
- Buy a home in Huelin
- Buy a home in Camino San Rafael
- Buy a home in Ortega y Gasset
- Buy a home in La Unión
Tips for finding your flat or house in Málaga
To make the best decision when buying a home, consider the following factors:
- Purpose: Decide whether it will be your main residence, a second home or a buy-to-let investment.
- Area: Málaga has diverse areas, each with its own character. Decide whether you'd rather be near family, work, the beach or in a quiet area on the outskirts.
- Type of home: Decide whether you're looking for a flat, country cottage, villa, penthouse, new build, gated complex, garage, number of bedrooms and bathrooms, renovated or to renovate. Within your budget and area, look for the home that best fits your needs.
- Price: Set your budget. If you need a mortgage, get advice from us to obtain the best terms. Don't view properties without knowing your budget, to avoid disappointment.
Buy a cheap home
Buy houses for under 100,000 euros in Málaga
Buy homes for under 120,000 euros in Málaga
Buy homes for under 150,000 euros in Málaga
Buy a home for under 250,000 euros in Málaga
Financing for buying a home in Málaga
At Valoracasa we negotiate with the banks on your behalf thanks to our agreements, getting excellent terms for our clients while saving them wasted time and unnecessary trips.
We tailor the financing to your particular circumstances, adapting to your needs and looking for the mortgage that suits you best so you can buy your home without complications:
100% | 90% | 80%
Fixed repayments | Mixed repayments | Variable repayments
For civil servants | For a second home
Building plots | Personal financing
Buy a home to invest
Costs of buying a home in Andalucía
Notary
By law, the notary's fee is split between buyer and seller, although in some cities it's common for the buyer to pay it all. The amount varies according to the property's value and the length of the deed. Fees are regulated by the official association of notaries and published on its website and by some notaries.
Land Registry
After signing the purchase before the notary, you must change the property's ownership at the Land Registry in your municipality by presenting the title deed. This is required every time a property changes owner. Registration fees are published by the association of registrars.
Paperwork agency
You can hire a paperwork agency (gestoría) to handle the formalities of the purchase. If you buy with a mortgage, the bank's agency will pay the taxes and update the Land Registry. A gestoría costs around €350 plus VAT.
I.T.P. (Property Transfer Tax)
The buyer pays this tax to the regional housing department. In Andalucía, the general rate is 7% following a reduction valid until 31 December 2021. A reduced 3.5% rate applies to under-35s, people with a disability of 33% or more, and large families, provided the main residence doesn't exceed €129,999 for under-35s and €180,000 for the other two groups.
These are the costs associated with buying a home in Andalucía. For a personalised study, request advice by filling in the form below.
NEW BUILD IN MÁLAGA HUELIN
Valoracasa has the EXCLUSIVE listing for the LH La Hoz new-build development in Huelin: 2 and 3-bedroom flats with parking and storage rooms, just 500 metres from the beach, with open views.
FIXED OR VARIABLE RATE MORTGAGE?
Given the choice, most people would pick a fixed-rate mortgage, even though they don't really know the differences between one mortgage and the other.
BUYER SUPPORT DEPARTMENT
Our colleague Laura Pino explains what her role as head of Valoracasa's buyer support department involves.
You may also be interested in
- How can you buy a flat without savings?
- Mixed-rate mortgages are improving
- Apply for a fixed-rate mortgage
- Tips to improve your mortgage terms
- Advantages of buying a home when you're young
Frequently asked questions about buying flats and houses
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How much money do you need to buy a flat?
The amount the client has to put in varies according to the percentage of financing the bank grants them.
You can get a mortgage to the 80%, to the 90% or the 100%.
Whatever mortgage you get, you'll always have to cover at least the purchase costs, which vary according to the sale price and the buyer's personal circumstances.
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Can I get a mortgage for more than 80%?
Although most banks finance 80% of the purchase price, requiring the client to put down around 20%, some lenders finance 90% and even 100% depending on the profile.
Shop around and compare the bank that will give you a 100% mortgage on the best possible terms.
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Is it possible to buy a home in Málaga with no deposit?
Yes, it's possible, although every bank will require you to have money for at least the costs. You may find a bank that gives you a 100% mortgage, but you'll always need to rely on your savings.
The trick is to get the deposit through a personal loan or another arrangement so you don't have to put in your own capital.
Make sure the two repayments together don't exceed 40% of your monthly income so your quality of life doesn't suffer.
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5 tips for buying a home with no deposit
- Don't settle for any mortgage; look for the one that suits you best.
- Make sure you can afford it: try to keep it under 40% of your income.
- Buy a home that will gain value in case you want to sell it later.
- Get a loan to cover the costs.
- Calculate whether renting or owning works out more expensive for you.
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Can you buy a flat without savings in Málaga?
The main problem for first-time buyers is the amount of savings banks require to grant a financing. Most lenders finance 80% of the purchase price, so the buyer has to put in the remaining 20% plus the costs of buying the flat.
If you don't have those savings, you won't be able to get a mortgage even if your circumstances are very good. You may be lucky and your bank may finance 100% of the purchase price, but it will never cover the associated costs. Some lenders also ask you to prove that you have the amount in an account before assessing your mortgage.
So buying a flat without savings isn't easy, but there are some ways of doing it.
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5 ways to buy a flat without savings
- Get a 100% mortgage and a personal loan to cover the costs. Some banks may offer a personal loan to cover the deposit, although this can be difficult if you already have loans. Other banks may offer the loan themselves if your salary is high and the mortgage repayment low.
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Owner financing: the seller acts as the bank and the buyer pays a monthly instalment until the flat is fully paid for. This isn't common, as many sellers prefer to receive the money immediately.
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Double mortgage guarantee: putting up a second property as additional security in case of default.
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Personal loan: useful when the home is of low value and you have no savings. Although the repayment is higher than a mortgage, the term is shorter (7-10 years compared with up to 40).
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Private capital: financing outside the banks, with higher interest but an option for those without savings to buy a home.
Grupo Valoracasa Estate Agents
Sale
Purchase