SOBE Knowledge
Property Calculators
Five tools for the questions every buyer on the Costa del Sol eventually asks: what will it cost me, what will a bank lend me, and — three different ways — what will it earn me.
Buying property in Spain adds a layer of cost that no listing price shows: transfer tax or VAT, notary, registry, legal fees — then, once you own it, community fees, IBI and the gap between the rent you were quoted and the rent you keep. These calculators put real numbers on each stage, using Andalusian rates and Spanish lending rules rather than generic ones.
01
Purchase Tax Calculator
What a property actually costs to buy. Transfer tax on resales, VAT and stamp duty on new builds, plus notary, registry and legal fees — the 9–14% that never appears in the asking price.
- ITP at the Andalusian rate
- VAT and AJD for new builds
- Notary, registry and legal estimates
- Total cash needed at completion
02
Mortgage Calculator
What a Spanish bank will lend, and what it costs each month. Built around real lending limits — 80% loan-to-value for residents, 60–70% for non-residents — and the debt-to-income ceiling that sizes every offer.
- Monthly instalment by rate and term
- Fixed, variable and mixed scenarios
- Deposit and equity required
- Total interest over the life of the loan
03
Buy-to-Let Calculator
What it earns once every cost is subtracted. Gross yield is the figure that sells a property; this shows what survives vacancy, community fees, IBI, maintenance and management — and what lands in your account each month.
- Net and gross rental yield
- Cash-on-cash return
- Net operating income and DSCR
- Monthly cash flow
04
Flip Calculator
Whether a renovation clears two sets of transaction costs. The figure that matters is the break-even sale price — the number below which the works, the risk and the months return nothing at all.
- Profit after buying and selling costs
- ROI and annualised return
- Break-even sale price
- Holding costs during the works
05
Hold & Exit ROI
The full picture over years: rental cash, mortgage amortisation and whatever price change you assume, measured against the equity you actually put in. The growth slider starts at zero on purpose.
- Total and annualised ROI
- Equity multiple
- Rental cash across the hold
- Net sale proceeds and loan left
Read them in order. The purchase calculator sets the total capital going in; the mortgage calculator decides how much of it is yours; then one of the three return calculators measures what that capital earns — depending on what you intend to do with the property. Run a return calculator without the first two and the yield will flatter you, because it will be measured against the price rather than against what you actually spent. Every term used across the five is explained in the glossary.
SOBE Invest · Marbella
Now put a real property in them
Send us a listing and we will run the numbers as we would for ourselves — acquisition costs, honest net yield for its district, and the assumptions we would question.
Ask SOBE InvestGeneral information only — not financial, tax or legal advice, not a forecast, and not an offer. Results depend on the assumptions entered and are shown before income tax, capital-gains tax and plusvalía. Rates, lending criteria and tax rules vary by circumstance and change over time; verify current rules with a qualified professional before deciding.