The champagne moment at the notary is not the end of the legal work. Taxes are due, the registry must be updated, and a dozen contracts need your name on them. Here is the complete post-completion picture.
Which taxes and registrations follow the signing?
- Purchase tax filing
For a resale, the 7% ITP is filed via Modelo 600 with the Andalusian tax agency within two months of the deed. For a new build, the 10% IVA was paid to the developer, and the 1.2% AJD is filed in the same way. The tax is calculated on the higher of the price or the valor de referencia — verified during due diligence so there are no surprises now. (In the Balearic Islands the equivalent filing applies at the Mallorca ITP scale of 8–13%, or 1.5% AJD on new builds.)
- Notary and Land Registry fees
On top of the tax, the buyer pays the notary’s fee for the deed and the Land Registry inscription fee — together typically 2.400 € – 3.000 €, set on a national sliding scale by property value (the same in Andalucía and the Balearics).
- Land Registry inscription
The notary sends an electronic copy of the deed for priority, and the formal inscription typically completes within weeks. Only with inscription is your ownership fully protected against third parties.
- Cadastre update
Ownership data at the Catastro is updated so future IBI bills are issued in your name.
What practical transfers need to happen?
| Item | What Happens |
| Electricity & water | Contracts transferred (or new contracts), direct debit set up |
| Community of owners | Administrator notified; direct debit for fees |
| IBI (council tax) | Direct debit with the town hall / Patronato |
| Basura (waste fee) | Registration and direct debit |
| Home insurance | Policy in force from day one — required by mortgage lenders |
| Bank | Standing balance for direct debits; non-resident account documentation |
None of these is difficult — but each involves a Spanish counterparty, a form, and follow-up. Done from abroad without help, this list is where new owners lose weeks.
How does Mojo’s Legal Department handle this for you?
With your power of attorney, our lawyers complete the entire list — tax filing, registration follow-up, every transfer and direct debit — as the final phase of our conveyancing service (0.9% of the purchase price + IVA for House of Mojo clients, covering the full journey from due diligence to handover of a fully administrated home).
That is The Mojo Legal Way: before completion we secure the investment, at completion we execute the signing, after completion we make the property genuinely yours — keys, contracts, and direct debits included.
What ongoing legal support might you need as an owner?
Ownership occasionally produces legal questions: community disputes, renovation licences and contractor contracts, rental contracts and VFT licensing, boundary or neighbour issues, or updating your testament. As a House of Mojo client you have ongoing access to our legal team — most questions are resolved with a short consultation rather than a formal engagement.
And when life changes — selling, gifting to children, moving to Spain permanently, divorce, or a death in the family — the same team that bought the property with you handles the next step. See What Are the Taxes When You Sell Property in Spain?
Related Guides
- What Legal Steps Are Involved When Buying Property in Spain?
- What Taxes Do Non-Resident Property Owners Pay in Spain?
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