At Vermaesen, we don't build standard houses—we create unique masterpieces. Each project begins with selecting the perfect building location, tailored to our client's wishes and lifestyle. We then work with renowned architects who design your villa entirely to your specifications.

From the exterior and garden to the interior and furnishings: everything is designed, selected, and realized in consultation with you. The result is an exclusive, custom-built villa that cannot be found anywhere else in the world.

We only work with leading architects who are internationally recognized for their vision, craftsmanship, and attention to detail. Each design is created especially for you and includes:

Exterior: the lines, shapes, and appearance of your villa.

Gardens & outdoor areas: including swimming pools, Jacuzzis, terraces, and landscape design.

Interior design: layout, lighting, atmosphere, and comfort are fully tailored to your lifestyle.

This creates a harmonious whole, in which the interior and exterior reinforce each other.

Nothing is left to chance. We work with you to select all the materials and brands that will be used in your villa:

High-quality custom kitchens with the best appliances.

Sustainable flooring, natural stone, and traditional wood finishes.

Luxury bathrooms with designer faucets and wellness features.

Innovative, energy-efficient installations for a zero-energy villa.

Your home will be built to the highest quality standards and with the most refined details.

For customers who are seriously interested, we organize a personal orientation trip to Spain. During this trip, we will introduce you to potential building sites, our architects, and the high-quality materials we work with.

We will arrange your stay in a luxury hotel, give you an impression of the region, and take you into the world of Vermaesen. This way, you can not only see, but also feel and experience what it is like to live in a Vermaesen villa.

Building a home in Spain requires more than just construction and design—it also requires legal diligence and flawless guidance through all the official steps. At Vermaesen S.L., we therefore work closely with experienced and independent lawyers and notaries who act exclusively in the interests of our clients.

We guide you through every legal stage, including:

Purchase of land or property.

Permits and official documents.

Contracts and warranties.

Insurance and tax protection.

In addition, we provide guidance in the following areas, in collaboration with specialized legal partners:

Tax advice & planning – optimal structures for investments and taxes.

Wills & inheritance law – security for you and your family.

NIE (Foreign Identification Number) – mandatory for foreign buyers and residents.

Residencia (Spanish residence permit) – for those who wish to settle permanently in Spain.

Golden Visa – for investors who wish to obtain a residence permit through real estate.

Digital Nomad Visa – ideal for entrepreneurs and remote professionals.

Whether you are buying a vacation home, looking for a permanent residence, or having an exclusive villa built, we ensure that all legal and administrative matters are handled carefully and efficiently.

Our promise: you are never alone. Our lawyers are independent and work solely for you as a client, but they ensure perfect coordination with all Spanish authorities and notaries. This ensures that your process runs smoothly, hassle-free, and in full compliance with the law.

Our commitment does not end with delivery. At Vermaesen, we offer comprehensive after-sales and service:

Maintenance and aftercare of your villa.

Styling and interior design.

Possible extensions and renovations.

Personal guidance for new wishes.

In addition, we are creating a showroom and office in the style of our villas, where you can get a taste of what a Vermaesen villa feels like. This allows you to experience firsthand the luxury, quality, and serenity that we bring to every project.

Financing plays an important role when purchasing a new-build villa in Spain. If desired, Vermaesen can put you in touch with experienced and independent mortgage advisors who specialize in Spanish mortgages. These specialists will guide you through the entire mortgage process and provide advice tailored to your personal situation.

Below we provide an overview of how the mortgage process works in Spain for both residents and non-residents, including the most important steps and legal requirements.

Residents and non-residents

In Spain, both people who live there (residents) and people who do not live there (non-residents) can apply for a mortgage. The conditions, documents, and options differ slightly between these two groups:

Residents

Typically have access to higher loan-to-value ratios (up to 80% of market value).

In some cases, they can take advantage of more favorable interest rates or longer terms.

Must be able to demonstrate that they have permanent residence rights (if applicable).

Non-residents

You can apply for a mortgage in Spain, but banks often apply a lower loan-to-value ratio (usually up to 60–70% of the value of the property).

Usually have stricter income requirements and require additional documentation.

Must take into account other tax requirements (such as tax number and bank account in Spain).

Required documents

To apply for a Spanish mortgage, you will usually need to submit the following documents to the bank or mortgage advisor:

For residents and non-residents

Valid passport or ID card.

NIE number (Número de Identificación de Extranjero): a tax identification number in Spain.

Proof of income (e.g., pay slips, annual statement).

Bank statements for the past few months.

Employer's statement (if employed).

For self-employed persons: profit and loss statement, tax returns.

Copy of the purchase/construction contract (escritura or preliminary purchase agreement).

Valuation of the property (appraisal by a certified appraiser).

The exact list of documents may vary from bank to bank; the mortgage advisor will help you collect and check all the necessary documents.

Step-by-step mortgage process in Spain

Step 1. Orientation and financial check
An independent mortgage advisor will assess your financial situation and discuss possible mortgage options. This includes calculating how much you can borrow and determining the best interest rate type.

Step 2. Preliminary offer (Oferta vinculante)
The bank provides a preliminary offer stating the mortgage terms, term, interest rate, and other costs. This offer is legally binding on the bank for a certain period of time.

Step 3. Submit your mortgage application
Together with your advisor, you submit the formal mortgage application, including all necessary documents.

Step 4. Property valuation
The bank will have the property valued by a certified appraiser to determine its market value. The mortgage will be based on this appraised value.

Step 5. Acceptance and completion
Once your mortgage application has been approved, you will receive the final mortgage agreement. This will be signed at the notary's office, together with the title deed (escritura).

Step 6. Registration with the land registry
The mortgage and ownership are registered with the Spanish Land Registry (Registro de la Propiedad). Only then is the mortgage fully legally valid.

Spanish mortgage product types

In Spain, there are various types of mortgages, including:

Fixed interest rate (interest rate remains the same throughout the entire term).

Variable interest rate (interest rate may change during the term).

Partially fixed/variable interest rate (combination form).

A mortgage advisor can explain which interest rate type and term is most suitable for you.

Costs and additional obligations

When taking out a mortgage in Spain, you need to take into account various costs such as:

Appraisal costs

Notary fees

Registration fees at the Land Registry

Advisory/mediation fees

Possible bank setup fees

Your mortgage advisor will provide you with an overview of all expected costs and help you compare quotes.

Role of the mortgage advisor via Vermaesen

Vermaesen can put you in touch with independent, specialized mortgage advisors who:

Experienced in Spanish mortgage procedures for residents and non-residents.

Assist you in gathering documentation.

Guiding your application through to notarized signing.

Inform you about the tax and legal implications under Spanish law, taking into account any Dutch or European aspects that may be relevant.

Vermaesen itself does not act as a financial advisor, but facilitates the connection with reliable professionals so that you can go through your mortgage process with confidence.

Important additional information

NIE number: this is a mandatory tax identification number for anyone wishing to purchase real estate in Spain.
Spanish bank account: it is often necessary to open a Spanish bank account for the payment of costs, mortgage repayments, and taxes.
Tax obligations: depending on your residency status, various taxes and levies may apply; advisors can provide clear guidance on this matter.

Would you like more information or personal advice about Spanish mortgages?
Contact us or let us connect you with an independent mortgage advisor.