By Sem Grijpink · 30 September 2026 · 6 min read
A buying agent in Spain: what does it cost and who pays?
In the Netherlands, buyers often hire a buying agent and pay them directly. In Spain it usually works differently, and that raises questions: is an agent really free for the buyer, who pays then, and is such an agent independent? Below we explain how the system works and what to look for.
Who pays the agent in Spain
In Spain the seller usually pays the commission, and with new build the developer. For you as a buyer, the price of the property is therefore not higher or lower if you buy through an agent: the fee is part of the seller's process.
That is why guidance for a purchase is free for the buyer at many Spanish agents, including us. Some independent buying agents do work with a fixed amount or a percentage paid by the buyer. Always ask up front how an agent is paid.
What you do pay yourself
An agent paid by the seller is not your legal adviser. Checking the file (ownership, debts, permits) is for an independent lawyer, whom you pay separately. We always recommend this. The notary checks the deed, not your interests.
On top of that come the regular purchase costs: transfer tax or VAT, notary, land registry and possibly a mortgage. You will find an overview with a worked example in our article on the complete cost overview of buying a house in Spain.
Difference from a Dutch buying agent
In the Netherlands a buying agent usually works for a fixed amount or a percentage of the purchase price, and so formally sits on your side of the table. In Spain there is a system of cooperating agents: listings are shared through cooperation networks, so as a buyer you can choose from the listings of many offices.
That is convenient, but it means an agent who guides you for free has a financial interest in completing a sale. A good agent weighs that against your long-term interest, and is open about it.
What to look for when choosing
Ask how the agent is paid, which registration or licence applies for the region, and whether there is professional liability insurance. Also ask for references and look at reviews from other buyers.
Also pay attention to how the agent handles objections. An agent who also tells you what is wrong with a property, or who advises you to walk away from a purchase, is working for your trust in the long term.
What a buying agent does for you
A good buying agent helps you translate your wishes and budget into a selection, plans viewings, negotiates the price and conditions, and coordinates the steps with lawyer, notary and bank. Even after completion, with utilities, insurance and rentals, a single point of contact is valuable.
Want to know how we do it? On our buying guidance page you can read the steps, and you can always get in touch without obligation.
Frequently asked questions
Is a Dutch-speaking buying agent in Spain free?+
With many agents, yes: in Spain the seller or developer usually pays the commission. Some independent buying agents do charge the buyer, so ask up front how an agent is paid.
Do I need a lawyer as well as an agent?+
We always recommend it. The agent guides the purchase, the independent lawyer checks ownership, debts and permits. You pay the lawyer separately.
What does buying a house in Spain cost on top of the price?+
Expect about 9 to 10% for resale and about 13 to 14% for new build, for tax, notary, land registry and lawyer. A worked example is in our cost overview.
Questions about your own situation?
We're happy to think along with you, without obligation and in your own language.
Read more
Other articles
Buying a house in Spain: the complete cost overview
Which taxes and costs come on top of the purchase price when you buy a property on the Costa del Sol? A complete overview, with a worked example.
Read the article →Living on the Costa del Sol: the pros and cons
An honest look at what life on the Costa del Sol actually involves: from climate and cost of living to red tape and choosing between the different regions.
Read the article →Applying for an NIE number in Spain: step by step
Without an NIE number you can't buy a house in Spain, open a bank account, or pay tax. Here's how to apply, from the Netherlands or in Spain itself.
Read the article →The buying process in Spain: from reservation to notary
Reservation contract, due diligence, arras contract, notary: the four steps between finding your property and getting the keys, explained.
Read the article →A mortgage in Spain as a foreigner: how it works
How much can you borrow as a non-resident, which documents does the bank ask for, and what changed under Spain's 2019 mortgage law? A practical overview.
Read the article →Annual taxes as a non-resident property owner in Spain
IBI, non-resident income tax, and wealth tax: which taxes do you pay every year once you own a property in Spain, and how much are they?
Read the article →Making a will in Spain: why alongside your Dutch will
A Spanish will alongside your Dutch one prevents delays and extra costs for your heirs. How the EU succession regulation works and what you need to arrange.
Read the article →A second home in Spain and Dutch box 3 tax: what you need to know
A home in Spain counts towards your Dutch tax return. How box 3 works, at which value, what happens to your mortgage, and what is about to change.
Read the article →Emigrating to Spain: state pension, pension and what to arrange
A second home is not the same as emigrating. Deregistering, registering, state pension, healthcare and tax: the main points for anyone moving to the Costa del Sol.
Read the article →New build or resale in Spain: which suits you?
Tax, payment schedule, guarantees and what you get for your money: the differences between a new-build home and a resale home on the Costa del Sol.
Read the article →Golden Mile or Elviria: where is the best place to live in Marbella?
Marbella is not one place but several worlds. The difference between the Golden Mile and Elviria, and where the New Golden Mile near Estepona fits in.
Read the article →Applying for an NIE number at the Spanish consulate in Amsterdam
Booking an appointment, form EX-15, payment and waiting times: how to apply for an NIE number via the Spanish Consulate General in Amsterdam, and what the alternatives are.
Read the article →Buying on the Costa del Sol under €300,000: what is for sale?
What can you buy for €300,000 on the Costa del Sol? An honest overview based on our current listings: where, which type and what comes on top.
Read the article →
