- The seller has an agent. Do you?
Transparent pricing
We work for 3% plus VAT. That's all.
One fixed fee, clearly explained. No hidden costs, no surprises. Just 3% of the purchase price, paid in two moments.
of the purchase price, plus VAT (IVA, 21%)
This is the total fee, always. It starts with a €1,000 retainer, credited in full against the 3%.
About the retainer
I work with a small number of buyers at a time. When we start, I reserve my time for your search. That’s done with a €1,000 retainer, credited in full against my 3% fee. You never pay more than 3% plus VAT.
how the fee works
Our fee is 3% plus VAT. That's it.
You don't also pay the seller's agent.
In Spain, every listing agent is hired and paid by the seller. Their commission comes from the seller’s proceeds. It doesn’t appear on your invoice, but it shaped the asking price you see.
That commission exists in every transaction, whether you work with us or not. When you buy without a buyer’s agent, the selling agent still gets paid from the price you agreed to.
When you work with FirstHomeValencia, the structure is simple: the seller pays their agent. You pay ours.
Two sides. Two fees. Yours is the only one you control.
Amounts ex IVA (21%).
EXAMPLE CALCULATION
What 3% looks like in practice
How the two payments work
The €1,000 retainer is paid when you sign our agreement. It confirms that we are working exclusively for you — and that you are committed to the search.
When your purchase completes, we deduct the €1,000 from the 3% success fee. On a €350,000 purchase, that means €9,500 at completion. Together: €10,500 — exactly 3%.
Total always = 3% of purchase price. The €1,000 is part of that 3%, not extra.
All amounts are ex IVA (21%). IVA (21%) applies to all professional services in Spain and will be added to the lawyer’s fee, the notary fee, and our fee.
the full picture
Total cost of buying in Valencia (2026)
Your buyer’s agent fee is one part of the total purchase cost. Here’s everything you need to budget for.
| Cost | Rate | Notes |
|---|---|---|
| ITP, transfer tax (existing property) | 9% | Reduced from 10% per Ley 5/2025 (effective 1 June 2026) |
| AJD, stamp duty (new build only) | 1.4% | Reduced from 1.5% |
| Independent lawyer | 1–2% | Our lawyer charges 1%, min. €1,800 + IVA |
| Notary & land registry | ~1% | Fixed scale, varies by purchase price |
| FirstHomeValencia buyer’s agent fee | 3% + IVA | Paid by you, no seller commission |
| Total additional costs (approx.) | 14–15% | All ex IVA. Mortgage costs additional if applicable. |
On a €350,000 purchase
Plus IVA on the lawyer and our fee (about €2,900). All estimates. Exact costs depend on purchase price, property type and individual circumstances. Ask us for a personalised cost overview.
net saving for one buyer, after our full fee
A documented example
What the fee looks like against the saving
Results vary. This is one documented transaction. We’re happy to discuss what realistic expectations look like for your budget and area of interest.
PAYMENT
How payment works
We work with international buyers. Payment is straightforward — no need for a Spanish bank account to get started.
SEPA bank transfer
For clients within the EU and eurozone. Standard bank transfer to our Spanish business account. Typical processing: 1 business day.
Wise (international transfer)
For clients in the UK, US, Australia and other countries outside the eurozone. Wise offers competitive rates and typically arrives within hours.
IVA invoice
We issue a formal IVA invoice (Spanish VAT) for every payment. All fees are ex IVA (21% applies on top for applicable clients).
Other arrangements
Have a specific situation? Contact us. We’ll find a workable solution — we’ve handled international payments from over a dozen countries.
Fee questions
Common questions about our fees
Is the €1,000 retainer an extra cost on top of the 3%?
No. We work for 3% of the purchase price — that’s all. The €1,000 is a prepayment on that 3%, deducted at completion. On a €350,000 purchase: €1,000 at signing + €9,500 at completion = €10,500 total (= 3%).
Why a retainer?
Because I only take on a few buyers at a time. The retainer reserves my time for your search, and it’s credited against the 3% fee. You pay it only after the intake call and my personal overview, so you know how I work before you commit.
Do I pay IVA on top of the fee?
Our fees are communicated ex IVA, which is standard for professional services in Spain. IVA (21%) is added on top: on a €10,500 fee, the total with IVA is €12,705. You receive a formal IVA invoice for every payment
What currency do you invoice in?
We invoice in euros. Clients paying via Wise from the UK, US or Australia convert at the live exchange rate at time of transfer. We do not charge currency conversion fees on our side.
Are there any other costs I should know about?
Our 3% is our fee. Separately, you’ll pay: ITP (9% transfer tax), notary and land registry (~1%), and the lawyer’s fee (~1–2%). These are standard buying costs — not our fees. See the cost table above for a full overview.
Is the €1,000 on top of the 3%?
No. We work for 3% of the purchase price — that is the total. The €1,000 is a prepayment on that 3%, deducted at completion. On a €350,000 purchase: €1,000 at signing + €9,500 at completion = €10,500 total = 3%.
Why a retainer?
Because I only take on a few buyers at a time. The retainer
reserves my time for your search, and it’s credited against the 3% fee. You pay it only after the intake call and my personal
overview, so you know how I work before you commit.
Do I pay IVA on top of the fee?
Our fees are communicated ex IVA, which is standard practice for professional services in Spain. IVA (21%) applies on top. For example, on a €10,500 fee: total with IVA = €12,705. We issue a proper IVA invoice for all payments.
What currency do you invoice in?
We invoice in euros. Clients paying via Wise from the UK, US or Australia convert at the live exchange rate at time of transfer. We do not charge currency conversion fees on our side.
Are there any other costs I should know about?
Our 3% is our fee. Separately, you’ll pay: ITP (9% transfer tax), notary and land registry (~1%), and the lawyer’s fee (~1–2%). These are standard buying costs — not our fees. See the cost table above for a full overview.
Questions about our fees? Let's talk.
Book a free 30-minute call. We'll go through costs, process and whether we're the right fit for your situation.