Everything you need
to know before you sign
You’ve seen the home. You’ve felt it’s the right one. This document is for you: all the information you need to make the decision with full confidence.
15+
Years in the market
500+
Families guided
€0
Cost to the buyer
Why new build is objectively better
The comparison between new build and resale isn’t just a matter of taste. The numbers, the guarantees and the real 10-year cost speak for themselves.
“New build isn’t more expensive. Work out the total cost over 10 years and it comes out ahead.”
Total cost of ownership analysis
A/B
Certified energy efficiency
The average resale home has an E or F rating. The difference in annual bills exceeds €1,500. Over 10 years, that’s a car. Over 20, it’s another home.
10
Years of structural warranty
Plus 3 for habitability and 1 for finishes. With resale you buy what’s there, as it is — no legal safety net.
€0
Immediate renovations
A home over 20 years old has pending renovations. Kitchen, bathrooms, installations: at least €20,000 nobody tells you about before you buy.
+%
Appreciation from contract to keys
Buying off-plan means acquiring at today’s price with future delivery. The gap between signing and handover has historically been positive in this area.
Customisation before delivery
Finishes, layout, fittings — chosen by you before construction is carried out. Your home designed from scratch, not adapted.
Smart home tech built in
Air-source heat pumps, home automation and connectivity included under current regulations. Adding it to a resale property means a major extra job.
Your guarantees as a buyer of new build
These guarantees aren’t optional. The developer cannot remove or reduce them. They’re yours by law from the moment you sign the contract.
Your money has full legal cover
The LOE (Spanish Building Code) and Law 57/1968 require the developer to guarantee every euro paid, backed by a bank guarantee or surety insurance. If the development doesn’t go ahead, you get back 100% of your investment plus legal interest. It’s not a promise from the developer — it’s an obligation enforceable in court.
Decennial warranty — structural defects
Foundations, structure, roof. Defects affecting the building’s soundness are covered for 10 years from delivery.
Three-year warranty — habitability
Defects that compromise normal use: waterproofing, water installations, heating, ventilation.
One-year warranty — finishes
Coverings, flooring, carpentry, paintwork. Everything visible and tangible at the time of delivery.
Mandatory bank guarantee
Every payment made during construction is covered. A legal obligation the developer cannot avoid.
Full land registry filing
Notarised public deed and registration with the Land Registry. The highest level of legal protection in Spain.
- Right to review the specifications document before signing
- Inspection visit before the deed — you can flag defects
- Maximum delivery deadline set in the contract, with penalties for the developer
- Subrogation to the developer’s mortgage, or arranging your own
Buy with this protection behind you
Tell us what you're looking for in two minutes and we'll suggest developments that fit — every guarantee in writing.
From here to the keys: no surprises
Knowing the full path removes uncertainty. Every stage has its own deadlines and protections.
Reservation
A deposit that takes the home off the market. It’s reserved for you while you finalise the paperwork.
Private contract
Sets out price, payment schedule and specifications. Everything paid from here on is legally guaranteed.
Staged payments
Milestones tied to construction progress. You never pay without legal cover.
Mortgage (if applicable)
Valuation and signing. We help you compare lenders and negotiate with the bank.
Notarised deed
With first occupation licence. Your property registered with the Land Registry.
Handover of keys
With every guarantee active. The home is yours.
Legado is with you at every step
We review the contract before you see it. We coordinate with the developer. We flag every milestone. We’re at the notary’s office with you. On new-build, buying with Legado adds no fee for you: the same price, with someone solely on your side.
Ready for step one?
Prices are set by the developer and rise as construction progresses — today's price is the lowest.
The extra costs, no small print
Budgeting properly from the start is the difference between a calm purchase and a stressful one. Here are the real costs for a resident in the Comunidad Valenciana.
10%
VAT
On the purchase price. New build is taxed via VAT, not transfer tax.
1.5%
Stamp duty (AJD)
Actos Jurídicos Documentados. Comunidad Valenciana. On the price registered in the deed.
~1%
Notary & Land Registry
Public deed, land registry filing and processing. Varies with the purchase price.
Set aside this extra percentage on top of the purchase price and you’ll reach signing day with total peace of mind. No last-minute surprises.
Estimated extra total
12–13%
Mortgages for residents
Financing of up to 80% of the valuation for a primary residence. We compare offers from several lenders, with no bank tie-in. Arrangement fee of 1.5% (minimum €3,000); included if you buy through our buyer’s agent.
Subrogating the developer’s mortgage
Many developments already have a pre-arranged mortgage. It can save on arrangement fees. We’ll help you work out if it suits you.
Unsure about the numbers?
We'll prepare the full cost breakdown for your purchase — price, taxes, notary and mortgage — free of charge and with no obligation.
One more layer of certainty
We manage every transaction with the utmost rigour. For those who also want a fully independent legal review, we work with a law firm specialising in real estate law that offers preferential terms to our clients.
This firm works exclusively for you, not for us
It operates fully independently of Legado Inmobiliaria. Its job is to defend your interests as a buyer — including flagging any clause that doesn’t favour you. The agreement guarantees reduced fees and priority attention, with no ties whatsoever to our business. Many deals close safely without outside advice. We offer it because more information always works in your favour.
Private contract review
Analysis of clauses, payment terms, penalties and the specifications document before you sign.
Land registry and planning check
Registry status of the plot, current licences, charges and full planning status.
Support at the notary
Prior review of the draft deed so everything agreed is correctly reflected.
Post-handover warranty claims
A direct channel for warranty claims and any issue that arises after signing.
Reduced fees for Legado clients
The agreement guarantees preferential rates. The firm informs you before any commitment.