Your time is precious. CCC Real Estate is committed to fulfilling your exclusive expectations with discreet service, fast acting and transparent efficiency. With us, your real estate purchase becomes a unique experience, tailored to your lifestyle. Your interests are our priority.
Go for luxury and lifestyle – find your exclusive property in Mallorca with our expertise
350 m from the coast: Exclusive newly built villa with partial sea views in a quiet location
Modern penthouse with large roof terrace, jacuzzi and distant views in an exclusive complex
Exclusive architect-designed villa in Son Sierra de Marina with sea views and luxurious comfort
Charming townhouse – modern refurbishment with roof terrace and sea views
First-class finca with pool, winter garden and garden oasis
First-class finca with pool, winter garden and garden oasis
First-class finca with pool, winter garden and garden oasis
First-class finca with pool, winter garden and garden oasis
First-class finca with pool, winter garden and garden oasis
First-class finca with pool, winter garden and garden oasis
Dream property in an exclusive hillside location by the sea with spectacular views!
Exclusive property: Luxury villa with panoramic views, vineyard and pool
The financing partner for your luxury property in Mallorca
Have you decided on your dream home on the beautiful island of Mallorca and don’t want to leave anything to chance when it comes to financing? We recommend Lionsgate Capital in Palma de Mallorca for your real estate investment from €600,000.
Expertise and trust
Lionsgate Capital is the leading mortgage broker in Spain. With more than 50 years of combined experience in the banking sector, the company offers first-class financial services. A trusting and personal approach and transparent processes underline the company’s good reputation.
One contact for all banks
The experts at Lionsgate Capital will advise you competently and professionally in your own language. You will be supported from the first contact to the completion of the purchase. Benefit from the company’s global banking network. Lionsgate Capital will find the best mortgage option for you, tailored to your profile and your priorities.
Further services
Lionsgate Capital also works closely with other experts to provide you with the best options for insurance and currency exchange.
Your customized way to your dream property
With a precisely defined mandate and search profile, my team and I carry out exclusive “active scouting” for you to find the perfect property across all markets. We make a targeted selection of real estate offers and use our proven network to give you access to exceptional properties. Our comprehensive service includes detailed preliminary viewings and a careful examination of the building law situation of each property.
Save time and effort by letting us take care of your individual search request personally and efficiently. With us, you enjoy a level of service that goes far beyond the ordinary – you are at the center of a journey that takes you directly to your exclusive property in Mallorca.
Through efficient communication channels, I guarantee you constant, personal availability.
You can rely on my expertise while you relax and devote yourself to your day-to-day business.
Your Anke Köhler
Turn your sightseeing trip into a relaxed experience and combine business with pleasure with our ‘Fly and Buy’ real estate service.
Comfort from arrival to departure
Enjoy our exclusive limousine service for relaxed arrivals and departures. We arrange your desired accommodation to the highest standards and support you in designing your social program, for example with a visit to your favourite restaurant.
Efficient real estate viewing
Experience customized viewing tours – perfectly prepared, optimally planned and coordinated according to your requirements. With comprehensive information about the properties, you save time and make informed decisions.
Optimal consulting
Benefit from our extensive network. We coordinate appointments with specialists such as financial experts, architects, lawyers, etc. directly on site to ensure optimal support for your real estate purchase.
Conditions and preparation
For an optimal organization of your sightseeing tour, we attach great importance to firm commitments regarding availability, fixed viewing dates and detailed planning. Your satisfying experience is our priority.
Look forward to an unforgettable viewing and the moment you step into your new home in Mallorca.
Benefit from comprehensive support during your move and settling in. Our Concierge Relocation Service not only helps you with bureaucratic matters, but also supports you in finding suitable schools, setting up bank accounts and offers you help with the design and furnishing of your new home.
Discover our exclusive partners for added value
CCC Real Estate
Discover our exclusive premium rental properties that combine luxury with the freedom of long-term rental. Enjoy flexibility and the Mediterranean lifestyle with sun, beach and sea. Try out island life before you decide to buy. Ideal for modern working life, Mallorca offers a unique combination of relaxation and productivity, perfect for those who value remote work. Find out more about what you should consider when renting a property in Mallorca.
Smooth real estate transactions in Mallorca require the Spanish NIE number (Número de Identidad de Extranjeros). This is necessary for the notary contract and the property registration and accompanies you for life without ongoing costs. The NIE is also required for buying a car, utilities and working in Spain.
Three ways to the NIE:
In Spain, a higher equity share of around 30-40% of the purchase price is often recommended for the purchase of a property.
When purchasing real estate in Mallorca, the following additional purchase costs must be taken into account:
The land transfer tax is between 8 and 13 percent of the purchase price and depends on the value of your desired property.
Notary fees amount to 0.25 to 0.50 percent of the purchase price for existing properties. Additional drafts or copies are subject to separate fees.
Once the purchase contract has been concluded, the property is entered in the land register with standard fees of between 0.15 and 0.30 percent of the purchase price.
The handling fees for the Gestoria or lawyer amount to approx. 0.8 to 1 % of the purchase price.
Incidental costs such as fees for the transfer or registration of electricity, water, gas, well, vacation rental license, telephone/internet, insurance, alarm system, etc., should be taken into account when buying a property in Mallorca.
It may be necessary to prepare certified checks from a Spanish bank to pay off a mortgage. The cost is approximately €300 per check, to be paid by the buyer. Cashing the checks is the responsibility of the seller.
If the vendor’s main residence is outside Spain, 3% tax will be retained from the notarized sale price.
Besides obvious costs like mortgages and property taxes, there are numerous maintenance costs that are often overlooked. Here are some of them:
A conscious understanding of these maintenance costs can help you to plan better and avoid unpleasant surprises. If you have any further questions, please do not hesitate to contact us!
If you want to buy a property in Mallorca, foreign financing offers the following advantages:
Customized financing solutions are also available for Swiss and Luxembourg citizens. Through renowned financing agencies we offer::
In Spanish real estate projects, terms such as usable area, constructed area and living space are crucial. This is where they differ from other countries’ standards.
Living area (superficie útil): Actually inhabited and furnished area, calculated from the inner line of the outer walls.
Usable/constructed area (Superficie construida): Includes covered outdoor areas, with verandas and terraces valued at 50%. Fully enclosed roofs count as 100%.
Buildability (Edificabilidad): The maximum permitted building volume on a plot of land, important for construction projects.
Superstructability (Ocupación): Includes areas that are used but not necessarily inhabited, such as garages, water storage, technology, as well as sealed surfaces of outdoor areas.
Spanish real estate offers often indicate the constructed area. Check the information in the purchase deed and in the land register, where the constructed area is usually mentioned.
The document, known as the “certificate of habitability” in Englisch and “Cédula de Habitabilidad” in Spanish, is crucial. Originally required for new builds and first-time occupants, it is now also required for extensive renovations. It allows access to water, electricity and gas, essential for a comfortable life in Mallorca. To obtain the certificate, building work must be officially approved by the architect and the municipality. The application is made to the island council (Consell de Mallorca), sometimes even before the final building approval. This certificate is essential for the vacation rental license. It is valid for 10 years and should be renewed before a new sale.
Choose an estate agency to benefit from local knowledge and expertise. With a strong network and good connections, the agent creates optimal conditions for your real estate goals. Multilingual communication guarantees smooth communication, while individual support and commitment ensure that your needs are the focus.
A moratorium is currently in place in some areas – mainly housing estates – on Mallorca. To put it simply, this is a construction freeze. This means that no building permits are being issued for new buildings or extensions. In the north-east, the settlements of Costa Canyamel, Els Pelats in Cala Ratjada and parts of Betlem in the municipality of Artà are among those affected by this regulation. In our property listings, we have labelled these settlements as “partially developed” and/or ” expected building land”.
In Spain, the seller usually pays the property sales commission, which is normally between 5 and 6 %.
In Spain, contracts must be signed by all parties on all sides. A legally binding signature requires an individual, recognisable signature. Notarised signatures are always valid. There are differences between “p.p.” (with power of attorney) and “p.o.” (on behalf of). Spanish kings in the Middle Ages signed clearly and simply, such as “YO, EL REY” (I, the king).
When buying a property in Spain, if the seller has a mortgage on the property, the cancellation of this mortgage takes place two months before the actual notarisation of the sale, so that the cancellation is entered in the register, or on the day of the sale.
Both processes are carried out before a notary and part of the payment to the seller is made by cheque, which is used to pay off the mortgage. This ensures that the property is sold free of any encumbrances.
In the case of a mortgage, certified cheques must be prepared by a Spanish bank at a cost of approximately €300 per cheque, which is borne by the buyer.
If the seller has financed the property with a mortgage, it is possible to take it over. In this case, it is crucial to carefully check the exact terms of the mortgage.
The costs of cancelling the mortgage at the land registry are borne by the seller and are usually deducted from the purchase price.
Important points
Additional information:
What does this mean for you? Notary fees are cheaper in Spain, but additional legal advice and fees for the purchase process must be considered.
In Spain, you are considered a tax resident if you spend more than 183 days a year in Spain. Alternatively, you can also be considered a resident if the majority of your economic activities or financial interests are in Spain. In terms of tax declarations, Spanish residency means that your worldwide income is taxed in Spain. You must declare your worldwide income in your annual tax return in Spain.
You are one step closer to your dream home! In Spain, the handover of the property usually takes place on the day of the notary appointment, often even before the official signing at the notary. This is how a professional handover should take place:
So that you can feel at home as soon as possible after the notary appointment.
In Mallorca there are specific regulations for changes to properties. The colour scheme, persiana (shutters) and house regulations should be checked beforehand with the local town hall. Homeowners should also check the house regulations to ensure that alterations comply with community standards. Community regulations, already laid down in the Normas Urbanísticas, cover aspects such as property fencing and building materials. Before building projects, it is advisable to check local community regulations to ensure smooth changes.
For minor renovation work (no walls are being moved), a “prior notification” to the relevant town hall is sufficient. If the project involves major work, you must apply for authorisation by submitting a project signed by an architect and then applying for the “final de obra”. Fees must be paid for both applications. If you are unsure, please do not hesitate to contact us.
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