Guide to Buying a Property in La Cala de Mijas & the Costa del Sol

The Costa del Sol is one of the most popular destinations for international property buyers. And at its heart, La Cala de Mijas has become a favourite spot for families, retirees, and investors looking for the perfect Mediterranean lifestyle.

In this complete guide, we’ll show you how to buy property in La Cala de Mijas or anywhere on the Costa del Sol, covering everything from finding the right home to managing currency and pension transfers safely.

Why Buy Property in La Cala de Mijas or the Costa del Sol?

• ☀️ Over 300 days of sunshine per year

• 🏖 Stunning beaches and marinas

• 🏡 Wide range of villas, apartments, and townhouses

• 🌍 Thriving expat community

• ✈️ Easy access to Málaga International Airport

Whether you want a holiday home, an investment, or a retirement villa, buying property in Costa del Sol is both a lifestyle upgrade and a smart investment.

Explore our listings:

• 👉 Properties for Sale in Cabopino

• 👉 Properties for Sale in Marbella

• 👉 Properties for Sale in La Cala de Mijas

Step 1 – Plan Your Finances

One of the first things to consider when you buy property in La Cala de Mijas is your budget. For international buyers, this often involves transferring large sums of money from abroad.

Using banks can mean losing £5,000–£10,000 on a single property transfer.

Read more:

• 👉 How to Transfer Money Safely When Buying a House in Spain

• 👉 Avoid Losing £5,000 on Bank Transfers

Step 2 – Understand the Buying Process in Spain

The Spanish property process is straightforward but different from other countries:

1. Reservation contract – secure your property with a small deposit.

2. Private purchase contract – usually 10% deposit.

3. Legal checks and due diligence – handled by your lawyer.

4. Completion before a notary – final payment and title deed.

Our team at Real Estate Mijas guides you through each step, ensuring a smooth experience when you buy property in Costa del Sol.

Step 3 – Explore Property Options

In La Cala de Mijas and across the Costa del Sol, you’ll find:

• Apartments – modern, central, low-maintenance.

• Villas – private homes with pools and sea views.

• Townhouses – ideal for families in gated communities.

👉 Discover our latest properties for sale in La Cala de Mijas and surrounding areas.

Step 4 – Think About Retirement & Pension Transfers

Many buyers are not only investing but also planning retirement. If you’re moving permanently, make sure to arrange pension transfers to Spain in the most cost-effective way.

Banks often charge hidden fees that add up to £1,000+ per year.

Guides for retirees:

• 👉 Best Way to Move Your Pension to Spain

• 👉 Pension Transfers in Málaga

• 👉 Pension Transfers in Marbella

Step 5 – Lifestyle in La Cala de Mijas & Costa del Sol

Life here blends Mediterranean charm with modern comfort:

• La Cala: vibrant town centre, weekly markets, international schools.

• Marbella: luxury lifestyle, shopping, fine dining.

• Cabopino: tranquil marina, natural beaches, golf.

When you buy property in Costa del Sol, you’re not just investing in bricks and mortar—you’re buying into a unique way of life.

Common Mistakes to Avoid When Buying in Spain

• Not comparing exchange rates for large transfers.

• Forgetting about additional purchase costs (taxes, notary, lawyer).

• Not hiring an independent lawyer.

• Relying solely on banks for pension transfers.

👉 Avoid these and your move to the Costa del Sol will be smoother and cheaper.

Buy Property in La Cala de Mijas or Costa del Sol the Smart Way

Whether you’re dreaming of a beachfront apartment in Cabopino, a villa in Marbella, or a townhouse in La Cala, our team is here to help you find your ideal property.

And with the right planning for currency transfers and pension transfers, you’ll also save thousands in the process.

1. View Properties in La Cala de Mijas
2. Contact Our Real Estate Team
3. Get a Free Quote for Currency & Pension Transfers

Financing & Mortgages for International Buyers

While many international buyers purchase in cash, others explore mortgages in Spain. As a foreigner, you can usually borrow 60–70% of the property value.

• Requirements: proof of income, tax documents, NIE (Spanish ID number).

• Costs: expect arrangement fees and life insurance linked to the mortgage.

💡 Tip: Always compare offers from Spanish banks and international brokers. A few percentage points on interest can make a big difference over the years.

Taxes & Legal Costs When Buying Property in Spain

In addition to the purchase price, buyers should plan for 10–12% extra in costs, including:

• Transfer Tax (ITP) or VAT (IVA) on new builds.

• Notary and Land Registry fees.

• Lawyer’s fees (highly recommended).

• Stamp duty.

👉 Knowing these costs upfront avoids surprises when you buy property in Costa del Sol.

Pro Tips from Real Estate Mijas

1. Always get an independent lawyer in La Costa del Sol to represent you.

2. Consider buying in euros if your income is in GBP → protects against currency swings.

3. Visit the area off-season before committing to a property.

4. Use forward contracts to fix exchange rates months before completion.

👉 Start TODAY

Market Insights – Costa del Sol 2025 & 2026

• Demand for modern apartments in La Cala de Mijas is rising due to limited supply.

• Marbella remains the hotspot for luxury villas, especially Golden Mile and Sierra Blanca.

• Cabopino offers strong rental potential with its marina and golf.

• Average price per m²: higher in Marbella, more affordable in La Cala/Mijas.

👉 Combining lifestyle and investment makes buying property in Costa del Sol a strong long-term choice.