If you’re buying a property in Spain, you’ve probably heard about completion day — the big moment when ownership officially transfers from the seller to you. But what actually happens on completion day in Spain?
In this post, Keith from Target Property Spain explains everything you need to know about the Spanish notary process, how funds are transferred, and why this day is one of the most important steps in your property purchase.
🔍 What Is Completion Day in Spain?
Completion day is the final stage of the property buying process in Spain. It’s when you officially become the legal owner of your new home, after signing the escritura (title deed) in front of a Spanish notary.
The notary’s role is to ensure that the transaction is fully legal, properly documented, and correctly recorded in Spain’s official property registry.
🖊️ What Happens at the Notary’s Office
On completion day, the buyers, sellers, both lawyers, and often the estate agent meet at the notary’s office. The notary reads through the escritura, confirming the details of the sale — including the identities of the buyer and seller, the property description, and confirmation that the funds are available.
Payment is typically made using a banker’s draft, a certified cheque issued by your bank. It’s 100% guaranteed and ensures the seller receives the funds securely while giving the buyer full control until the signing moment.
Once the notary confirms everything is in order, both parties sign the deed, funds are exchanged, and the sale is complete.
🧾 What Happens After Completion
After the escritura is signed, the notary issues an authorized copy of the document, which acts as proof of payment and transfer of ownership.
Your lawyer then takes the deed to the Land Registry (Registro de la Propiedad), where your name is officially recorded as the new legal owner. This registration process usually takes a few weeks, after which you’ll receive your registered title deed.
🌍 Can You Complete a Property Purchase in Spain Without Being There?
Absolutely! If you can’t be in Spain on completion day, you can grant your lawyer Power of Attorney (Poder Notarial). This allows them to attend the notary on your behalf, sign the escritura, and complete the registration — making it easy to buy even if you’re abroad.
This is especially helpful for expat buyers, digital nomads, or anyone purchasing remotely from the UK or other countries.
đź“Ť Buying Property on the Costa del Sol
At Target Property Spain, we help expat buyers find and purchase their dream homes across Mijas Costa, La Cala de Mijas, Fuengirola, Calahonda, and Marbella.
If you’re planning to buy a home in Spain and want expert guidance through the process — from property search to completion day — get in touch with our team today.