Property Purchase in Andorra

We guide you through the entire property purchase process in the Principality. From finding the right property to signing at the notary’s office, with expert advice every step of the way.

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Access to Exclusive Properties
Tax and Legal Advice Included
Financing Management with Andorran Banks

Buying Property in Andorra: What You Need to Know

Andorra offers a clear and secure legal framework for real estate investment. Foreign nationals can purchase property in the Principality, although there are certain requirements depending on their residency status. Residents can buy without restrictions, while non-residents must obtain foreign investment authorization from the Government of Andorra, a process handled by the notary and usually completed within a few weeks.

Acquisition costs in Andorra are competitive compared with other European countries. The Property Transfer Tax (ITP) is 4% of the transaction value, in addition to notary fees (approximately 0.1–0.5%, depending on the value) and registration costs. There is no wealth tax or inheritance tax on transfers between direct family members, making Andorra an attractive destination for long-term real estate investment.

Bank financing is available to both residents and non-residents, although terms and conditions vary. Andorran banks typically finance between 60% and 80% of the appraised value, with terms of up to 25–30 years. Interest rates are competitive, with fixed, variable, and mixed-rate options available. Our team helps you compare offers from different institutions to find the best option.

Our Property Buying Services

Comprehensive Support at Every Stage of the Purchase Process, from the First Viewing to the Handover of the Keys.

Personalized Property Search

We identify properties that match your criteria: location, property type, budget, specific features, and investment potential.

Market Analysis

We assess the price of each property against current market conditions, analyzing recent comparable properties and local trends to ensure a sound investment.

Complete Due Diligence

Land registry, planning, technical, and legal verification of the property before formalizing any purchase commitment.

Financing Management

Processing with Andorran banks, comparing mortgage offers, and providing support throughout the application and approval process.

Negotiation

We represent your interests in negotiating the price and terms, always seeking the best possible deal.

Notarial Coordination

Document preparation, coordination with the notary, management of foreign investment authorization where applicable, and support throughout the signing process.

Specialized Andorra Buyers Service

Protect Your Investment with Professional Verification

In collaboration with Andorra Buyers, we offer a real estate due diligence service that ensures the security of your purchase before you sign.

Complete registry and legal verification
Property inspection
Urban and load analysis
Detailed Report Within 48–72 Hours

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Andorra
Buyers

48-72h Due Diligence

Purchase Process

Defining Criteria

We analyze your needs, budget and goals to define the ideal property profile and search strategy.

Search and Viewings

We select properties that meet your criteria, arrange viewings and provide detailed information on each option.

Reservation and Due Diligence

Once the property is chosen, we formalize the reservation while carrying out all the necessary checks before the purchase.

Signing and Handover

We coordinate the signing before the notary, manage payments and accompany you at the handover of the keys to your new property.

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Frequently Asked Questions

Can a foreigner buy property in Andorra?

Yes, foreigners can buy property in Andorra without restrictions. EU citizens have a simplified process, while non-EU non-residents need to obtain a foreign investment authorisation from the Govern d'Andorra. This procedure is handled by the notary and is usually resolved within 4-6 weeks. There is no limit on the number of properties a foreigner can acquire.

What are the costs of buying a property in Andorra?

Acquisition costs in Andorra are competitive compared with other European countries. They include: Property Transfer Tax (ITP) of 4% on the purchase price, notary fees between 0.1% and 0.5%, and property registration fees between 0.1% and 0.3%. In total, costs represent approximately 5-6% of the purchase price. Andorra has no wealth tax or inheritance and gift tax between direct family members.

Can I get a mortgage in Andorra as a foreigner?

Yes, Andorran banks offer mortgage financing to both residents and non-residents. They typically finance between 60% and 80% of the appraised value, with repayment terms of 15 to 25 years. Interest rates are competitive, with fixed, variable and mixed-rate options available. For non-residents, banks usually require additional documentation on income and assets in the country of origin.

How long does the purchase process take in Andorra?

The full purchase process usually takes between 2 and 4 months from accepting the offer to signing the deed. The stages include: negotiating and signing the reservation or deposit contract (1-2 weeks), due diligence and property verification (2-3 weeks), arranging financing if applicable (3-4 weeks), foreign investment authorisation for non-EU nationals (4-6 weeks), and preparation and signing before the notary (1-2 weeks).

What is real estate due diligence and why does it matter?

Due diligence is a thorough review of the property before finalising the purchase. It includes checking the land registry status (liens, mortgages, encumbrances), verifying planning permits and licences, a technical inspection of the property's condition, and an independent market valuation. It is essential to avoid unpleasant surprises and protect your investment. At Versus Andorra, we consider it an essential step in every purchase.

Does Versus Andorra charge a buyer's commission?

No, the estate agency commission is paid by the seller, not the buyer. The buyer receives our full advisory service at no extra cost, including: a personalised search based on your criteria, organising viewings, comparative market analysis, negotiation support, coordination with banks for financing, and support through to signing at the notary's office.

Invest in Andorra with Confidence