MHA Property Finder
Your personal Property Finder
The MHA Property Finder Methodology
Understanding Your Project
We take the time to fully understand your goals, needs, and lifestyle aspirations.
Tailored Solutions
We present carefully selected options that align with your project and budget.
Your Trusted Partner
We remain your primary point of contact, guiding you through every stage of your purchase journey.
Secure and Complete Your Property Purchase
From financing introductions to legal coordination, we ensure a smooth, stress-free experience — including residency support where applicable.
Handing You the Keys
Your journey is complete – step into your new property with confidence.
Navigating the tricky process of buying a property abroad
Every country has its own legal and regulatory framework, which can differ significantly from your home country. For this reason, it’s essential to have trusted, independent experts on your side — professionals who understand both your expectations and the local market.
At MHA, we bring years of experience in international real estate. We work closely with a trusted network of independent professionals — including local lawyers, notaries, estate agents, surveyors, banks, mortgage brokers, and currency exchange specialists.
We don’t provide regulated legal or financial advice ourselves. Instead, we act as your experienced coordinator, ensuring you have access to the right people at the right time — and that the entire buying process is as secure and seamless as possible.
With MHA, you benefit from a truly turnkey service — empowering you to make confident property decisions abroad.
Call us: +33 618 639583
The countries and regions
covered by the
MHA Property Finder services offered
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The questions
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In Spain, the following charges are to be paid before the signing of the deed of sale:
- Property transfer taxes or ITP (Impuesto sobre Transmisiones Patrimoniales). This tax is calculated on the value of the property. It must be paid just before the signing of the Deed of Sale. Depending on the value of the property, the tax is between 6% and 10% of the value of the property
- Notary and registration fees (Registro de la Propiedad) from 0.4% to 0.1% of the purchase price
- Lawyer’s fees: between 1% and 1.5% of the purchase price
For a detailed breakdown of the taxes and expenses associated with the investment, please contact us.
MHA will charge the Client a Consultancy Fee of 1% (ex VAT) of the purchase price of the property for its services.
The fee is payable in three instalments as follows:
- Upon signature of this agreement, an initial fee of €1,750 (inclusive of VAT), such fee being non-refundable.
- 25% of the total fee is payable on signature of the Preliminary Contract with the seller;
- The balance of the fee is payable on signature of the Deed of Sale (less the initial fee referred to in a).
MHA will be your principal point of contact and will coordinate and manage the different professional advisers involved in the purchase, in order to protect the client’s interests, secure the investment and facilitate the completion process, thus saving its clients time, energy and stress that is inevitably involved in acquiring a property overseas.
Both solutions are possible. Everything will depend on your project and the budget you want to allocate to it.
If you are buying a property under a Golden Visa scheme, you are required to pay the minimum investment amount (eg €500,000) in cash in order to meet the Golden Visa requirements. If the property you are buying is over €500,000, you can approach a local bank to finance the difference.
You could on the other hand, borrow money secured agaisnt a property in your country of residence. When you transfer your funds to the country where you are buying your property, this funding is considered a capital investment and therefore meets the criteria.
If you need financing for your operation, MHA works with specialist mortgage advisers who will assist you in your purchase in France, Portugal or Spain.
In Greece, local banks do not currently finance non-residents.
The old adage is unchanged : “there is no better or worse time to buy overseas real estate” .
This being said, real estate prices are likely to stagnate in the coming quarters. The market is tightening and many owners have bought overvalued properties in terms of price (2018-2022).
The relative decline in prices that began in the summer of 2022 will offer real opportunities for wealth creation.
It should be noted that there are always exceptions to the rule and there remains high demand in some of the most sought-after destinations.