Taylor Wimpey’s Final Costa del Sol Units: What €390k Buys in 2026

The Final Units at Estepona Golf

Official 2026 data from Taylor Wimpey España shows just two apartments remain at their Sunny Golf development in Estepona, with prices starting from €390,000 plus VAT. For non-resident buyers considering these final new-build units, the mortgage landscape has shifted notably since the developer first launched sales, particularly for British purchasers who form the second-largest buyer group at the scheme.

These two-bedroom, two-bathroom apartments sit within Estepona Golf’s gated community, featuring south-west-facing orientations with golf course views and private gardens. The development has attracted buyers from 18 nationalities, suggesting strong international appeal for the location and specification.

New-Build VAT vs Resale Tax

The €390,000 starting price carries a 10% IVA (Spanish VAT) plus 1.2% stamp duty (AJD), adding €43,680 in taxes before considering legal fees and mortgage costs. This contrasts sharply with resale properties on the Costa del Sol, where buyers pay 7% transfer tax (ITP) instead.

For a €390,000 new-build purchase, total acquisition costs typically reach €450,000 once you include VAT, legal fees, mortgage arrangement costs, and initial property insurance. Resale properties at the same price point would cost approximately €420,000 all-in, highlighting the premium for key-ready new construction.

Non-Resident Mortgage Options for €390k Purchase

Spanish lenders typically offer 60-70% LTV to non-resident buyers, meaning a €390,000 apartment requires a €117,000-156,000 deposit before taxes. With total costs reaching €450,000, buyers need €180,000-270,000 in available funds depending on their chosen LTV.

For a British couple purchasing with a 60% mortgage (€234,000 loan on the €390,000 property price), monthly payments would be approximately €1,180 at current rates of 4.2% over 25 years. BBVA and Sabadell remain the most active non-resident lenders for Costa del Sol new-builds, though both have tightened criteria for British buyers post-Brexit.

CaixaBank offers competitive rates for buyers with substantial Spanish bank deposits, whilst ING focuses on higher-value purchases above €500,000. Non-resident mortgage brokers can compare these lenders’ current appetite for international income, particularly important given the mixed nationality buyer base at Taylor Wimpey developments.

Currency Considerations for Final Purchase

With sterling trading around €1.17 in 2026, British buyers face a €390,000 purchase cost of approximately £333,000 at current rates. However, new-build purchases typically require staged payments during construction, though these final Estepona units are key-ready.

The two remaining apartments represent the last opportunity to purchase new Taylor Wimpey stock on the Costa del Sol at this price point. Specialist currency brokers can lock exchange rates for the full purchase amount, protecting against sterling weakness during the mortgage application and completion process.

Lender Appetite for Golf Course Properties

Spanish banks view golf course developments favourably for non-resident lending, particularly established schemes like Estepona Golf. The gated community aspect and international buyer profile align with lender preferences for Costa del Sol mortgages.

Bankinter and ING both maintain strong lending appetite for golf developments, often offering their best non-resident rates for properties within established resort communities. The south-west orientation and golf views support resale values, important factors in Spanish lenders’ property valuations.

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