New builds in Estepona

How your money is protected

Spanish law requires the developer to guarantee the return of everything you pay before handover — by bank guarantee or insurance, covering all amounts with taxes and legal interest, in case the building is not started or not finished on time.

The obligation begins once the building licence has been granted. Before your first payment, check the licence and that a guarantee covers your payments.

How the purchase works

A reservation of usually €6,000–10,000, then a private contract with 20–40% of the price. Further payments follow the construction schedule; the balance is paid at the notary on handover. Viewings are done by video and the deed can be signed under power of attorney.

Taxes in Andalusia

They differ from the Costa Blanca. A new build bought from the developer pays 10% VAT plus 1.2% stamp duty. Notary and land registry fees come on top.

Prices by district

Published district figures run from €3,441 per square metre in Altos de Estepona to €5,199 in Seghers (idealista, August 2026). In between are Costa Natura (€3,999), Playa Bahía Dorada (€4,036), Benamara-Atalaya (€4,306) and Estepona Pueblo (€4,400).

Buying as a UK citizen

Since Brexit you can still buy, but you can stay only 90 days in any 180 without a visa, and owning a home does not give residency — Spain abolished the "golden visa" on 3 April 2025. You will need an NIE, available at a Spanish consulate in the UK. Spanish banks typically lend non-residents up to 70% of the valuation.

Community fees in developments with a pool usually run €40–120 a month.