Real Estate in Greece
Greece is attracting more foreign property buyers than at any point in its recent history. The market is strong, prices in many areas remain competitive by European standards, and the combination of lifestyle, climate, and EU access continues to draw investors and individuals alike. But buying property in Greece is not like buying property in London, New York, or Sydney. The legal framework is different. The risks are different. And the consequences of inadequate due diligence can follow you for years. We represent foreign buyers through every stage of the transaction – from the first legal check to final registration – and our role is simple: to make sure you know exactly what you’re buying before you commit.
Why Due Diligence matters here
Greek property law carries risks that don’t exist – or don’t exist in the same way – in most other European markets. Some of these are well known. Others only surface when a lawyer starts digging.
Title complexity. Greek ownership records have historically been fragmented and person-based rather than property-based. A single parcel may have passed through multiple generations without a will, been divided informally among heirs, or been registered inconsistently across different systems. What appears to be a clean sale on the surface can conceal unresolved inheritance claims, undeclared co-owners, or gaps in the chain of title.
The Cadastre transition. Greece has been replacing its old local land registries (Ypothikofylakeia) with the national Cadastre (Ktimatologio) – a unified, map-based, digital property registry. As of early 2025, all 392 old land registry offices have closed and services have moved online. This is a major modernisation, but it’s still a work in progress. In some areas, properties appear as “owner unknown” because the registered owner missed a declaration deadline. In others, cadastral maps don’t align with actual boundaries on the ground. For any buyer, confirming that a property is correctly and fully registered in the Cadastre is now an essential step – not an optional one.
Unauthorised construction. A significant number of properties in Greece have been built or modified without proper permits, or with permits that no longer reflect the current state of the building. Greek law has gone through multiple rounds of regularisation (taktοpoiisi), allowing owners to legalise certain violations retroactively – but this does not mean every violation has been addressed. Unpermitted structures, excess floor area, or unapproved modifications can block a sale, prevent registration, or create liability for the new owner.
Land use restrictions you won’t see in the listing. Greece has extensive land classifications that can severely limit what you can do with a property — or prevent a sale altogether. These include archaeological zones, designated forest land (which can apply even to land that hasn’t had a tree on it in decades), coastal setback zones, Natura 2000 environmental protections, and military restrictions near borders or sensitive areas. These designations are not always visible from the property itself or from a standard listing.
WHAT WE DO
Our due diligence process is thorough, methodical, and adapted to the specifics of each property. It typically covers:
Ownership and title. We trace the full ownership history through land registry and Cadastre records, verify that the seller has clear and marketable title, and search for any liens, mortgages, encumbrances, seizures, or pending litigation. Where the property has been inherited, we verify that the succession was properly completed and registered.
Planning and construction legality. We examine all building permits, construction licences, and any regularisation filings. We check that what exists on the ground matches what is legally permitted – including floor area, building height, use classification, and setback distances. If discrepancies exist, we assess whether they can be resolved and what that process involves.
Land classification and restrictions. We investigate whether the property is affected by archaeological designations, forest maps, coastal zone regulations, environmental protections, or any other public law restriction that could limit use, development, or resale.
Tax and fiscal compliance. We confirm that all property taxes (ENFIA and transfer taxes) are current and that the seller has no outstanding obligations that could encumber the property.
Cadastre registration. We verify the property’s status in the national Cadastre – including whether it is correctly mapped, whether the registered owner matches the seller, and whether any corrections or objections are pending.
Condominium and access rights. For apartments and shared buildings, we review the building regulations (kanonismos), common area arrangements, and any easements or rights of way that affect the property.
BEYOND THE LEGAL CHECK
Due diligence is only one part of the transaction. Once you decide to proceed, we handle the legal side of the purchase from start to finish: drafting and reviewing the notarial contract, coordinating with the notary, engineer, and tax advisor, ensuring proper registration with the Cadastre, and obtaining your Greek tax identification number if you don’t already have one.
We also advise on questions that arise before and after the purchase – rental regulations, renovation permits, inheritance planning, and how the property fits into your broader legal position in Greece.
Get in touch. If you’re considering a purchase, the right time for legal advice is before you sign anything – not after.
What are the common pitfalls?
Buying real estate in Greece requires careful due diligence by an experienced attorney and engineer. We help you spot problems with the property and avoid a wrong purchase decision
Unregistered extensions or alterations
Unfortunately a very common issue in older properties.
Shared-ownership
We identify possible common area issues that sellers may not disclose
Inheritance issues
Inheritances that are not fully settled can create problems in the transfer

Εncumbrances on the property
The most important thing we check during due diligence
Building restrictions
Zoning/forest/coastal or archaeological limitations may apply
Short-term rental limitations
In certain buildings and/or areas you might face restrictions
Who we help
01
Cross-border investors and private clients
full property due diligence
02
Developers and construction companies
(residential, commercial, logistics, hospitality, renewables)
03
Hotels, resorts, and operators
(management/franchise/lease models)
04
Landlords, tenants, and short-term rental operators
(Airbnb/holiday lets)
05
Lenders and servicers
NPL/distressed acquisitions and enforcement
06
Executors/heirs
needing to sell or regularize inherited property
The process
Clear, predictable, and remote-friendly
01
Initial brief & red flags
Send us the property details (or simply the listing). We run quick checks and give you a roadmap, timeline, and budget.
02
Authority to act
Sign a Power of Attorney in your country (notarized/Apostilled). We provide bilingual templates and instructions.
03
Due diligence
We review title chains, planning/permit status, cadastral data, encumbrances, leases, utilities, tax clearances, and building compliance.
04
Agreement & Notary
We coordinate with the notary the full process from document collection to purchase agreement.
05
Filings
We register deeds at the Land Registry/Cadastre.
06
Post-completion
We handle tax filings/notifications and utility transfers
Take advantage of our network of experienced engineers and notaries
Before purchasing property in Greece, conducting thorough technical due diligence is essential. Beyond legal checks, an experienced civil engineer should inspect the property to verify construction quality, building permits, zoning compliance, and potential structural issues. This step ensures that your investment is both legally and technically sound, protecting you from costly surprises in the future. Upon request, our firm can coordinate a full property inspection with trusted engineers, providing you with complete peace of mind before signing any contract.
01
Technical inspection
A certified engineer verifies building permits, structural integrity, and zoning compliance. This protects you from hidden construction issues and ensures the property meets all technical standards.
02
Legal due diligence
We conduct full title searches, check for mortgages or debts, and confirm ownership with the Land Registry. Our legal due diligence guarantees your purchase is secure and free of risks.
03
Purchase contract
We draft and review the purchase agreement, negotiate terms, and oversee signing before the notary. With our guidance, your contract is accurate, fair, and fully compliant with Greek law.
Side costs when purchasing a property in Greece
You should budget roughly 8–12% on top of the price (case-by-case). Here’s the typical breakdown:
Property transfer tax
(resales / non-VAT deals): 3.00% of the taxable value + municipal surcharge 3% of that tax ⇒ effective ~3.09%.
Notary
usually ~0.8%–1.2% (sometimes up to ~2%) of contract value + 24% VAT on the fee.
Land Registry / Cadastre registration
typically ~0.475%–0.575% of contract value.
Lawyer
by agreement (fixed fee or %)—often ~1%–2% + 24% VAT for full due diligence and representation.
VAT on new-builds
24% of the price when applicable. (Greece currently suspends VAT on most new builds)
Real-estate agent
commonly ~2% of the price + 24% VAT
Frequently Asked Questions
What is “due diligence” in practice?
We verify ownership chain, check for mortgages/liens, confirm planning/permit compliance with an engineer’s certificate, review topographic plans, zoning (forest/archaeology/coastline), common areas and building regulations, and ensure the seller can legally transfer.
Do I need a Greek tax number?
Yes. Buyers and sellers need an AFM (tax ID). We obtain it for you with POA.
Can I reserve a property?
Yes. We often use a reservation/pre-contract with a refundable or conditional deposit, tied to successful due diligence and agreed milestones. Terms protect you against negative findings.
Do I need a Greek bank account?
Not always. For many transactions you can pay from an overseas account with proper source-of-funds documentation. We’ll advise on the most practical route.
Is a survey or engineer’s inspection required?
For transfers, a certified engineer’s declaration on building legality is standard. We also recommend a technical inspection for structural and systems issues, especially for older homes.
How long does the process take?
Straightforward purchases can complete in a few weeks once documents are ready. Timelines vary with municipal offices, cadastre, banks, and the property’s complexity. We give a realistic schedule at the outset.
Can foreign buyers get a mortgage in Greece?
Possible but limited. Approval standards for non-residents are strict. Most clients use cash or financing in their home country. We can introduce mortgage brokers if appropriate.
Can I rent my property short-term (Airbnb)?
Often yes, but rules vary by location, building regulations, and tourism licensing. Registration and tax reporting are required. We’ll check the exact rules for your address and building.
Can the purchase qualify me for residency (Golden Visa)?
Property purchases may support a residence permit if value, square-meter and area criteria are met (these change periodically). We confirm current thresholds before you proceed.
Do I have to be present for the closing at the notary?
No – if we hold a POA. Otherwise, you can attend in person; we provide English summaries and interpretation at the signing.
What happens after signing?
We register the deed at the Land Registry/Cadastre, switch utilities, set up tax filings, and, if requested, arrange property management, insurance, and local service providers.
How do your fees work?
Transparent stage-based fees (due diligence, contract, closing), often fixed once we scope the file. You’ll receive a written engagement with deliverables and timelines.
Contact us today for a free initial discussion
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