Real Estate

Buying Real Estate in Spain: Finally, a Comprehensive Online Course to Help You Avoid Mistakes

Real Estate

Have you always been drawn to Spain and want to invest in a stable and profitable country? Welcome, padawan. You have the desire; we have the method.

Geoffroy Reiser (left) and Antoine Évêque (right), co-founders of Terreta Spain.

Rated 4.8/5 on Trustpilot and 4.8/5 on Google

Our “Buying in Spain” course is the only French-language online program that covers the entire journey of a real estate investor in Spain, from defining the project to resale. 16 modules, 9 hours of video, 16 industry experts (property hunters, brokers, renovation specialists, investors), 11 quizzes, 14 downloadable PDF guides: in short, it’s incredibly comprehensive. We designed it to help you succeed in your rental investments, generate passive income, and avoid pitfalls—even from afar.

The Basics

Unlimited access as soon as you sign up
Community and coaching based on your plan (see below)
The cost of the training is fully refunded if you go on to take on a recruitment assignment with Terreta Spain

Our 3 packages

Start Package: €490 Training only

You’ll move forward on your own, at your own pace, but with the best tools available. 16 modules, 9 hours of training, 16 industry experts, 14 practical guides, and quizzes to test your knowledge. And if you go on to take on a research assignment with us, the cost of the training will be fully deducted. It’s a great deal, Padawan.

Gold Package: €790 With a little coaching

Everything included in the Start package, plus 1 hour of one-on-one coaching with Geoffroy to ask your real questions about your actual project. And access to the WhatsApp community to connect with others who are investing in Spain, just like you. Because learning from like-minded people is definitely more helpful than scrolling through forums at midnight.

VIP Package: €3,490 To secure the project

Everything included in the Gold package (with 4 hours of coaching instead of 1), plus a private WhatsApp group with Geoffroy and Antoine, and full legal protection for your purchase. Deposit agreement, purchase offer, legal reviews: Antoine goes over everything before you sign anything. For those who want peace of mind.

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What does the training cover? Three minutes to learn everything

Source: Terreta Spain

Who is this training course intended for?

To anyone looking to buy real estate in Spain (primary residence, second home, vacation rental investment, property flipping, retirement in the sun, or asset diversification) with complete confidence, whether on your own or with assistance.

Why choose training over Google, ChatGPT, and a lawyer?

There are several ways for non-resident French speakersto shop in Spain:

The DIY approach using Google and ChatGPT: it’s free, but the information is disorganized and often outdated (Spanish tax laws change every year), and it doesn’t replace human judgment when it comes to choosing a neighborhood or negotiating the preliminary agreement.
The traditional Franco-Spanish agency: convenient, but the agent is paid by the seller, which creates a conflict of interest. You also pay in terms of time and effort: you become just one of 200 clients.
A tax lawyer working alone: excellent on the legal side, but they won’t tell you anything about choosing a city, the rental returns in Ruzafa versus Campanar in Valencia or Entrevías versus Centro in Madrid, or negotiating the purchase of a property in need of renovation in Javea, Dénia, Seville, or elsewhere.
A well-designed online course: for a one-time fee, you gain access to the expertise gained from 10 years of hands-on experience by a team that has completed over 200 transactions. You retain control over your project and can then negotiate with any intermediary with full knowledge of the facts.

Terreta Spain’s “Buying in Spain” course falls into the fourth category. We guide you every step of the way, from your first click on Idealista to signing the contract at the notary’s office. And by the end, you won’t need us anymore: you’ll know the market, the pitfalls, and the right questions to ask a bank, a notary, a real estate agent, and a tax advisor. You’ll be in control of your project instead of just going along with it. Isn’t life great?

Content in detail: 16 modules under the microscope

The training is structured sequentially, much like a good role-playing game (RPG): each module assumes that the previous one has been mastered. However, you can access any chapter on demand, which is useful for reviewing tax matters right at the time of signing.

Module 1 – Shopping as a Foreigner

The starting point for every Padawan. Who can buy property in Spain? The rules for EU residents, Swiss nationals, post-Brexit British citizens, Canadians, Americans, and others. The basic tax implications, the end of the Real Estate Golden Visa as of April 2025, and alternatives for 2026 (non-lucrative visa, digital nomad visa). We cover it all.

Module 2 – Why Invest in Spain?

Real estate prices: 2026 regional map.
Rental yields: Why Valencia, Alicante, and Seville offer gross yields of 5% to 8% (sometimes higher), while Paris and Geneva cap out at 3%.
Price dynamics in Europe: correlations with ECB interest rates, Spanish inflation, and foreign demand.
Geopolitics and stability: Spain is the second-largest economy in the eurozone, a member of NATO, and has a civil law system comparable to France’s.
The 2008 Crisis: Why the Market Was Hit Harder Than France—and What That Means Today
Demographic trends: a projected increase of 47 million people by 2050, internal migration to coastal areas, and an aging European population seeking sunshine.
Diversify your assets.
Pitfalls to avoid: termination clauses, missing certificate of occupancy, dilapidated condominium, unpaid property tax.

Module 3 – Financing

There are also many concepts to master in this area, and it is one of the aspects most often overlooked by first-time investors in Spain.

Why secure your financing BEFORE visiting.
Spanish banks vs. French banks: LTV, interest rates, loan terms, origination fees, KYC requirements.
Real-life investor testimonials, including investment amounts, rates, and lessons learned.
The Lombard Loan, our favorite: using your securities portfolio as collateral—a strategy popular among the Swiss and Luxembourgers.
Interviews with three non-resident specialized brokers.

See also:

Buying property in Spain through a French SCI
Buying property in Spain through a Swiss limited liability company
Buying in Spain through a Dutch company

Module 6 – Finding the Right Property Two in-depth interviews with our real estate agents: Clément Cabroland Maxime Boreux. They know the market inside out and have handled dozens of transactions.

Off-market sourcing: the holy grail
Selection criteria
Negotiation
Hidden margins

Module 7 – Securing the Purchase

With Antoine Évêque, co-founder of Terreta Spain. All the steps to ensure a secure real estate purchase in Spain: legal aspects, the deposit (preliminary agreement), land registry verification, debts, IBI (property tax), condominium fees, easements, and compliance with urban planning regulations.

For more information, check out our online content:

Module 8 – Tax Implications at Purchase and Total Project Cost

Two in-depth interviews. The first with Antoine, the second with one of our partner tax specialists. They’ll tell you everything you need to be prepared for:

ITP (6% to 11%, sometimes 13%)
10% VAT on new construction
AJD 1.2% to 1.5%
Spanish capital gains (municipal capital gains tax and capital gains tax)
IRNR tax brackets and Form 210
Reporting Requirements Between France and Spain

For more information, check out our online content:

Module 9 – Construction and Renovation

This is a part of our training that is particularly important to us. Terreta Spain is the only French-speaking company in the market to offer a turnkey renovation service.

Common renovation scams in Spain
Actual cost per square meter by item in 2026
Energy-efficient renovations: regional grants, impact on property value
Renovations as a means of increasing property value
Do it yourself vs. delegate
Interior Design with Valeria Gamboa: Tips to Help Your Property Stand Out.
Interview with Gaetano Grana, Director of Renovations at Terreta Spain.

We have plenty of online content for you there as well:

Module 10 – Rentals and Rental Income

Special Home Insurance for Non-Residents
Rent Default Insurance
Rental Management with Valeria: Average Occupancy Rate, Check-In Process, Dispute Resolution
Long-term, medium-term, short-term, shared housing: when to choose which option
Airbnb/VUT Licenses: Region-by-Region Procedures, Moratoriums in Barcelona and Palma
Investor Interview: Romain Adelghi

Module 11 – Tax on Rental Income A module that is as sensitive as it is crucial.

Taxation for French tax residents: the France-Spain tax treaty, tax credits, and the impact on income tax
Taxation for Spanish tax residents: Personal Income Tax (IRPF), the Beckham Scheme for newcomers
Capital gains tax: 19% for EU residents, 3% withholding tax, depreciation calculation

Module 12 – Sell or Keep? An interview with Romain Adelghi, who sold two properties after renovating them. Calculating net capital gains, asset allocation, and market signals for exiting.

On this topic, see also:

Module 13 – Advanced Strategies for Fearless Padawans

Flipping: Buy, renovate, and resell in 8 to 14 months
Cities Where It Still Works in 2026
Joint Purchase: French Real Estate Investment Company (SCI) + Community of Property, Joint Ownership, Limited Liability Company (SL) with a Shareholders’ Agreement

Module 14 – Subject Matter Experts

This module gets down to the nitty-gritty: the technical details that 90% of investors are unaware of—and that make all the difference when it comes time to sign.

Module 15 – Feedback and Community

Let’s lift the curtain: who we are, what we’ve actually done, and the before-and-after photos of the apartments so you can see exactly what the results look like.

Module 16 – Taking Action

Starting Your Own Business: 90-Day Roadmap, Self-Assessment
Getting started with support: When to contact Terreta Spain, and which package to choose

BFM 2026 Bonus Video: France vs. Spain Debate—Where to Invest

16 speakers: why it makes all the difference

Most real estate training courses are filmed by a single instructor who talks about things they don’t actually do on a daily basis. At Terreta Spain, we do the opposite: we have about fifteen specialized instructors, each an expert in a specific aspect of your project. And not just any instructors: among them are Terreta Spain clients themselves—serial investors who have cut their teeth in the Spanish market alongside our team—and who return to the training sessions to share what it’s really like, backed up by hard numbers.

Financing brokers (French, Spanish, international)
Real estate agents to help you choose the right property
A tax specialist to avoid surprises
A renovation specialist
An expert in interior design and rental property management
Investors sharing their stories unfiltered

The founding team of Terreta Spain (Geoffroy Reiser and Antoine Évêque).

Who is this training course intended for (and who is it not intended for)?

It's perfect for you if:

You have some initial capital (at least €50,000) and want to grow it
Are you looking to diversify your investments outside of France?
Are you thinking about buying a property in Spain (a second home, a rental property, or a retirement home) and want to understand everything before signing, rather than just signing and hoping for the best?
Are you looking for a safe environment and proven methods, not advice from online forums?
Are you aiming for financial independence through real estate cash flow?
Are you willing to spend a few hours to avoid years of regret?

It's not for you if:

You have less than €50,000 in available savings. Investing in real estate in Spain requires a substantial down payment: expect to pay about 30% to 40% of the property’s price
Are you looking for a magic solution without having to do anything?
Do you want to buy something without understanding anything and just leave it all up to someone else?
You're not ready to take action
If you haven't decided yet between Spain, Portugal, Italy, or Greece, come back when you've made up your mind
If you're looking for general training on investing abroad, we specialize in Spain—and we do it well!

Note: If you have other assets (real estate, life insurance, an investment portfolio), financing can be arranged differently. Have questions? Talk to the team before closing this tab.

We can’t tell you to compare the courses—there aren’t any others available for the Spanish market.

What you'll actually be able to do by the end

By the end of the 16 modules, you will have completed your journey from Padawan to expert.

Read a Spanish real estate listing and spot red flags in 30 seconds (such as the word "ocupado," the absence of a certificate of occupancy, or a suspicious property ID number).
Negotiate a preliminary agreement without any hidden clauses.
Apply for your NIE without any mistakes and estimate the processing time.
Compare financing offers by considering the total cost.
Choose your investment vehicle based on your tax profile and investment horizon.
Estimate renovation costs per square foot, including high and low ranges, and spot suspicious quotes.
File your Modelo 210 return or instruct your tax advisor to file it properly.
Choose between long-term, medium-term, and short-term rentals based on your region and risk profile.
Calculate your net cash flow after taxes, expenses, and other deductions. This is the calculation that 99% of investors have never done before making a purchase.
Handle a resale in accordance with the correct tax timeline (depreciation, capital gains, 3% withholding tax).

Return on Investment: An Honest Calculation

Course price: starting at €490.

One poorly drafted preliminary contract (compromis), and your deposit (la señal) goes down the drain. No recourse, no appeal.
If you spot a renovation that’s overpriced by 20% on a €80,000 project, that’s €16,000 you get to keep.
A poorly sourced property that can’t attract tourist tenants because it lacks a VUT license results in €12,000 in lost revenue per year.

Break-even point: From the very first mistake prevented, the training pays for itself many times over.

Investing in real estate in Spain from France, Belgium, or Switzerland is no small undertaking. Administrative procedures, tax issues, searching for the right property from afar… We’ve designed this course so you’ll have no more excuses not to get started.

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Frequently Asked Questions

As a foreigner, can I really buy property in Spain?

Yes, absolutely. There are no restrictions for EU nationals, and non-EU nationals (Swiss, Canadians, post-Brexit British citizens, Americans, etc.) can also purchase property freely. The only universal requirement is to obtain an NIE (Número de Identidad de Extranjero), the Spanish tax identification number required to sign the contract at the notary’s office. This is precisely the focus of Module 1 and Module 4 of the training program.

How can I finance my project, and what are the actual costs I should expect?

You have several options available: a Spanish bank, a French bank, or a Lombard loan if you have a financial portfolio. In terms of costs, you need to factor in expenses beyond the purchase price: the ITP (6% to 11% depending on the region for an older property), notary fees, attorney fees, and registration fees, which average 10% to 13% of the purchase price. Module 3 covers financing in detail, and Module 8 breaks down the total cost of the project item by item.

How do I manage my property and tenants if I don't live in Spain?

This is the question that 90% of non-resident buyers ask themselves. The training course covers this in detail in Modules 10 and 11: choosing between long-term, medium-term, and short-term rentals; remote rental management; specific insurance for non-residents; and the VUT license if you opt for Airbnb. Valeria, our rental management specialist, shares her practical steps for managing a property from France or Switzerland without the hassle.

Will the training still be up to date in 2026?

Yes. The current version includes the end of the Golden Visa program (April 2025), the proposed 21% VAT on tourist rentals, the new regional VUT licensing schemes, and the 2026 IRNR rates. Updates for 2027 are included automatically.

How long does it take to complete the entire training course?

We provide you with 9 hours of video; it’s up to you to set your own pace. You’ll have unlimited, lifetime access.

Does the training replace a lawyer and a tax specialist?

No. It allows you to choose the right lawyer and tax advisor, understand their recommendations, and oversee their work. For complex cases (real estate investment companies, holding companies, property flipping), professional guidance remains essential. That, in fact, is the whole point of Package 3: training plus legal assurance for your purchase with Antoine.

I'm in Belgium / Switzerland / Luxembourg, or even the United States: is this right for me?

Yes. The financing and tax modules specifically address residents of France, Belgium, Switzerland, and Luxembourg, including Lombard loans for Swiss and Luxembourg-based investors. But you can also be a resident of the United States or Singapore, since you can buy property in Spain even if you live on the other side of the world. One of our clients just bought a property in Spain through us while living in Los Angeles, in the United States, without ever having traveled there.

Does the training really cover financing in detail?

Yes, and it’s actually one of the most comprehensive modules. We interviewed two brokers who specialize in real estate financing for non-residents, and they go over everything in detail. Because if you miss out on financing, you miss out on the opportunity. And that happens much more often than you might think.

Are there any reviews from people who have already bought something in Spain?

Yes, and that’s one of the most valuable parts of the training. Several investors who have gone through Terreta Spain share their stories candidly: what went as planned and what didn’t. Real numbers, concrete lessons—not polished success stories. Because learning from others’ mistakes is definitely less painful than making them yourself.

How do I sign up?

Ready to take the plunge? Go to the sales page and choose your plan. And if you then hire Terreta Spain for a property search, the full cost of the training will be deducted. Go to the training sales page

Further information

DISCLAIMER

This training is provided for educational and informational purposes only—and we hope you’ll love it. It does not constitute personalized tax, legal, or financial advice. The information presented reflects the regulations in effect in 2026 and is subject to change (Spain always has a few surprises in store for us). Since every financial situation is unique, Terreta Spain recommends consulting a licensed attorney and tax professional before making any investment decisions.

The case studies, testimonials, and performance figures presented in this course are based on real-life situations and do not guarantee future results. Past performance is not indicative of future results. All real estate investments carry the risk of capital loss. In short: we’re giving you the best weapons possible, but you’re the one wielding the sword. Good luck, Padawan.

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