Buying property in Greece as a foreigner
Buying a home in Greece raises a lot of questions if you’re doing it from abroad. Here’s a plain-English overview of how it works — our network of local lawyers, notaries and accountants is on hand for the details specific to your purchase.
Can foreigners buy in Crete?
EU/EEA citizens can buy in Greece under the same conditions as Greek nationals. Non-EU citizens can generally buy too, outside a small number of restricted border areas that don’t apply to South Crete — we recommend confirming current status with a lawyer, since rules can change.
The process, step by step
- Get a Greek tax registration number (AFM)
- Open a Greek bank account, if needed
- Instruct an independent lawyer to check the property’s legal status and title
- Agree terms, and sign a preliminary agreement if one is used
- Sign the final contract in front of a notary
- Register the property with the land registry
- Get connected — utilities and municipal registration
Costs to budget for beyond the purchase price
Transfer tax, notary fees, lawyer’s fees, land registry fees and the estate agent’s fee all apply on top of the property price. We’ll give you a clear, itemised breakdown for your specific purchase before you commit to anything.
The Golden Visa
Greece offers a residency-by-investment route for qualifying property purchases, with a minimum investment threshold that varies by region and is reviewed periodically. Ask us for the current threshold for South Crete, or check the official government source directly.
Frequently asked questions
Do I need to be in Greece to buy?
Not for every step. Much of the process can be handled by your lawyer acting under a power of attorney, although most buyers like to see the property in person at least once. Your lawyer can confirm what applies to your purchase.
Can I get a mortgage in Greece as a foreigner?
Some Greek banks do lend to foreign buyers, but criteria vary and change over time. We can introduce you to local advisers who can check your options before you start viewing.
What language will the contract be in?
The contract signed in front of the notary is drawn up in Greek. Your lawyer will go through it with you in English, and a translator can be present at signing.
Will you help me find a lawyer and notary?
Yes. Our network includes independent lawyers, notaries and accountants who regularly work with foreign buyers — we’ll introduce you to the right people for your purchase.