Home / Tax advice / Tax adviser in Estepona
Tax adviser in Estepona, from La Línea and online
Taxes on buying a home, property tax (IBI), municipal capital gains tax, income tax and Form 210 for residents, foreign owners and businesses in Estepona. Office in La Línea de la Concepción; in person or by video call.
Tax advisers and lawyersLocals, foreign owners and businessesOnline or at our office
Tax advice for Estepona, in person or remotely
Estepona, in the province of Málaga, is growing on new developments. Seafront estates, off-plan homes, buyers arriving from other countries and owners who let by the season live alongside self-employed people, shops and hospitality businesses that have been there for years. Each situation goes through the Spanish Tax Agency (Hacienda) in a different way, and there is almost always a deadline that starts running on the day of signing.
We are tax advisers and lawyers, and our office is in La Línea de la Concepción (Cádiz). Whoever hires us deals with the adviser who studies the case and signs the filings. Meetings are by video call or, if you prefer to meet, in La Línea.
Are you looking for a paperwork agency (gestoría) in Estepona for your tax office paperwork? We cover the tax side; the monthly accounting books and payroll, we do not.
10 %
VAT on a new-build home, plus AJD stamp duty
Buying a new home in Estepona: VAT and stamp duty (AJD)
Someone who buys a home from the developer does not pay property transfer tax. They pay VAT, which on the first sale of a home is 10 %, and stamp duty (Actos Jurídicos Documentados, AJD), which in Andalusia is 1.2 % of the value of the deed, with reduced rates for those who meet the requirements for a main home.
The VAT is charged by the developer on the invoice. The AJD is filed by the buyer, within a period that starts with the deed. If you buy a resale home, the tax is a different one, property transfer tax (ITP), with a general rate of 7 %. Before you sign, we tell you which one applies and which reduced rate you can use. →
The purchase can be handled by any lawyer you choose. We review the tax side and file Form 600 (modelo 600) for you. →
Foreign buyers and non-resident sellers in Estepona
Estepona attracts buyers from outside Spain, and there are also owners who sell from abroad. Two things come as a surprise.
The first: if you buy a property from a seller who is not a tax resident in Spain, the buyer has to withhold 3 % of the agreed price and pay it to the tax office with Form 211 (modelo 211), within one month of the sale. If it is not paid, the property itself answers for the payment. The withholding is an advance on the seller’s tax, not an added cost for them, but the obligation to pay it in is on the buyer.
The second: anyone who owns a home in Estepona without living in Spain also has to declare, even if it is empty. This is imputed income, filed on Form 210 (modelo 210). When the property is let, tax is paid on what is collected, and when it is sold, on the gain. We file Form 210 online and regularise overdue years. →
Property tax (IBI) and municipal capital gains tax in Estepona
IBI is the annual tax of whoever owns the home. In recent years Estepona town hall has approved reductions aimed at registered residents: in 2025 it announced an average reduction of 20 % on about 38,000 bills, and for 2026 it has said it keeps the discounts. It also reports a 3 % discount for those who pay by direct debit. If you do not live in Estepona, those reductions may not apply to you; we check this against your bill.
The municipal capital gains tax (plusvalía municipal) is paid by the seller. The town hall regulates it in its bylaw, within the framework of the state law. After the 2021 reform the seller can choose between the objective calculation and the real gain, and if they sold without gaining value and can prove it, they pay no tax. We work out both before the deed.
Holiday lets in Estepona and their taxes
The licence and the tourist registration of the home are not something we handle; the tax office side is. If you live in Spain, the income is added to your tax return and you deduct expenses such as IBI, community fees or utilities. If you live abroad, it depends where: in the EU or the EEA the justified expenses are deducted; in the rest of the countries, they are not.
We start from your contracts, invoices and booking platform statements, and make sure the returns are filed on time.
What we do for clients in Estepona
A wide service adapted to each case: preparing and filing returns, studying each tax matter, vehicle or property, and having a professional at every level of your dealings with the tax office.
We offer advice and administrative handling to companies and individuals, with experience in the property and tourism sector of the area. We look for a solution to each need, with personal attention and precise information, with your interest in mind.
We work with individuals, owners and businesses. These are the most common assignments:
- New-build purchase. VAT, AJD, Form 600 and the papers the bank asks for.
- Income tax for residents and non-residents. Returns for the year and for overdue years, properties bought, sold or let.
- Selling a home. Capital gain, municipal capital gains tax and withholding if the seller does not live in Spain.
- Holiday lets. How to declare what you collect and which expenses to deduct.
- Self-employed and small businesses. Registration with the tax office, quarterly VAT and personal income tax (IRPF) returns and corporation tax for shops, hospitality and services.
- Tax office requests. Reviews, penalties and appeals. →
“
A typical case in Estepona
A couple buy an apartment off-plan from a developer. They have paid the reservation and the first instalments, and they do not know that, once the deed is signed, they still have to file the AJD. Later they decide to let it in the summer.
We review the deed and the VAT invoice, file Form 600 and decide how to declare the rents. If in a few years they sell, they will have the papers ready to calculate their gain, and the buyer will know what to withhold if they no longer live in Spain.
Tax office and Land Registry in Estepona: where each procedure is filed
Estepona has two Land Registries (Registros de la Propiedad), number 1 and number 2, and a property comes under one or the other depending on where it is. Estepona does not appear in the list of Tax Agency offices in Málaga; the closest one on the coast is Marbella. Almost nothing obliges you to travel: procedures are sent online and we act on your behalf.
Also online: without leaving Estepona
We start with a video call, you send us the documents by WhatsApp or email, and the signature is dealt with by digital certificate or notarised power of attorney. Everything is filed online. It works the same on the Costa del Sol as from another country.
For a face-to-face meeting, we meet in La Línea. And if you already know you want to talk to an adviser by video, you can book a time for an online consultation. →
Common questions about a tax adviser in Estepona
Is your situation not covered here? Tell us about it on WhatsApp and a tax adviser will reply.
Do you have an Estepona office?
No. Our only office is in La Línea de la Concepción. We work with clients in Estepona by video, or in person if they come to La Línea.
Do you only handle paperwork?
Only in part. We deal with the tax matters people ask a gestoría for: income tax, Form 210, Form 600 and quarterly returns for the self-employed and companies. Monthly accounting and payroll are left out. If you already have someone who does them, we coordinate with that person.
Which tax office covers Estepona?
The list of Tax Agency offices in Málaga does not include one in Estepona; the closest on the coast is Marbella. You will not have to go: we file online.
What taxes do I pay when buying a new home in Estepona?
VAT of 10 % and AJD of 1.2 % in Andalusia, with reduced rates if you meet the requirements. For a resale home, ITP at 7 % as the general rate.
Do I have to withhold anything if I buy from a foreign seller?
If the seller is not a tax resident in Spain, yes: 3 % of the price, with Form 211, in the month after the sale.
Can I file Form 210 or my tax return from another country?
Yes. We need your documents and a certificate or a power of attorney, and you do not have to travel to Spain.
Do I need to be a registered resident to get the IBI reduction in Estepona?
The reductions the town hall announces are aimed at registered residents. If you are not one, we check your bill and tell you what applies to you.
Can you handle the purchase or inheritance of my home in Estepona?
Yes. We have a team for each service: buying or selling a home in Estepona and inheritance in Estepona.
Other services for Estepona and the Costa del Sol
Shall we talk about your taxes in Estepona?
Tell us what you have bought, sold or let in Estepona, by WhatsApp or in the form. We will reply with the taxes that apply and the order in which it makes sense to file them.
Office in La Línea de la Concepción. We work with you online or in person.
C/ Cervantes 2, entreplanta, despacho 4 · 11300 La Línea de la Concepción
WhatsApp 652 948 572 · 956 174 981 · pablo@asesoriaserra.es