1.-CHOOSE YOUR PROPERTY AND DECIDE YOUR BUDGET
Please, Never buy any property without making a personal visit.
It´s very important decide how much you want to spend and remember there are always associated costs when buying property in Spain. As a general rule allow 10-12% on top of your purchase price to cover various taxes and legal fees (please see the purchase costs). but of course  you can get a mortgage in the UK or in Spain  to cover one part of the purchase price and costings.
2.-APPOINT A SPANISH SOLICITOR who speaks English and can translate and explain the legal documents and protect you during the purchase process.
Spanish property law is complicated so make sure you have a good local lawyer to look after you interests.
EUROMORTGAGE CENTRE SL can introduce you to independent and highly professional lawyers who are fluent in English.
It is advisable for all non-resident property owners to appoint a Spanish based lawyer so they can take care of all the necessary legal matters throughout the purchase of your home as well as making sure all your taxes are paid each year, including payment of rates to the town hall and annual property tax.
3.-OBTAIN YOUR NIE NUMBER (Foreigners Identification Number).
. The NIE is the Spanish tax identification number assigned to non-resident property owners in Spain, which is required when you Buy or sell a property in Spain, Inherit assets ...etc... . Easily obtained by visiting the foreigners department of most spanish police stations
4.-SIGN THE SALE CONTRACT BETWEEN YOU AND THE SELLER ( "contrato privado de compraventa")
This is usually when you pay a deposit and both sides are committed to the transaction,. The 'Contrato Privado de Compraventa' states the agreed price,  what is to be included in the sale and the completion date. At this stage it is normal to pay 10% directly to the seller.
It´s important that you pay the deposit to secure the property and take off the market your property.
5.-CALCULATE ALL COST INVOLVED
 Taxes ( VAT, Transfer tax, stamp duty,...) , valuation fees, notary fee, land register fee, legal fees....etc.... This costings is around 10-12% on top of the purchase price.
6.-WAIT FOR THE SOLICITOR TO COMPLETE LEGAL INVESTIGATION.
Checking owner has authoriy to sell, if it has the full and correct title deeds and whether there is any outstanding debt on property etc.....
7.-ARRANGE COMPLETION DATE AND SIGNING IN FRONT OF SPANISH NOTARY.
In Spain, a sale is formally completed when the public title deeds of purchase are signed in front of a Notary, the final payment has been made and possession is given to the buyer and the keys.
Under Spanish law, it is necessary for the deeds to be signed in the presence of the Notary. You may attend the signing of the deed yourself or you may grant a Power of Attorney to represent you and attend on your behalf.
8.-PAY  PROPERTY PRICE AND TAXES.
This is normally the purchase price plus 10%-12% for all other costs.
9.-TITLE DEED WILL BE REGISTERED
Once the deeds are signed the Notary will fax a note of the title deed to the local Land Register and your lawyer will arrange:

• Payment of any transfer taxes associated with the purchase
• Registration of your title deeds (this may take up to 4 months)
• The transfer of accounts with local utility suppliers and organise payment from your bank account