Mortgage & Purchase Cost Estimator

The costs nobody mentions until they're already on the completion statement.

What it does: Calculates the real cost of buying property in Spain — ITP or IVA, AJD, notary fees, land registry, gestoría, legal fees, and mortgage costs — not just the sticker price everyone quotes you.

Why you'll use it: Spanish property costs typically run 10–14% above the purchase price, and almost nobody mentions that until you're staring at a final bill. This tool puts the real number in front of you early, when it's still useful.

Worth knowing: an estimate based on typical rates, not a quote — get exact figures from your notary and gestor before budgeting precisely.