7 Tips for Buying a House in Crete

Crete has been one of the most popular Greek islands for foreign home buyers for many years. The pleasant climate, rich culture and impressive nature make the island the perfect place for a holiday home, a permanent home or a smart investment.

But how do you ensure that the purchase of your dream home goes smoothly? In this guide, we give you valuable tips and point out common pitfalls.

Tip 1: Work with a reliable real estate agent

The first step in buying a house in Crete is to choose a licensed real estate agent. Not everyone who calls themselves a real estate agent has the right experience or knowledge of Greek real estate law.

Please note the following when making your choice:

Choose a real estate agent who speaks your language and is familiar with local laws and regulations.
Check whether the agent is licensed and has good references.
Avoid ‘intermediaries’ without an official real estate license.
Our advice: Only work with professionals who truly represent your interests.

Tip 2: Take the time to compare homes

Buying a house in Crete is an important decision. So take your time to view different properties and compare prices. Did you know that the same property is sometimes offered by multiple agents, often at different prices?

Smart tips:

View both existing homes and building plots.
Check for recent renovations and ask for building permits.
Visit several villages and regions to get a feel for the atmosphere.
View our current range of homes in Crete and discover your options.

Tip 3: Pay attention to the location – even outside the high season

The location of your home not only determines your living pleasure, but also its value and rental potential.

What should you pay attention to?

Visit the location in winter: Some villages are lively in the summer, but almost deserted in the winter months.
Consider accessibility: How far is the property from shops, hospitals and the airport?
Determine your lifestyle: Are you looking for peace and quiet in a remote village, or would you prefer a house close to amenities?
Tip: Consider the impact of the season on the environment and your daily life.

Tip 4: Building or renovating? Be well prepared

Do you dream of building a house yourself or renovating an existing one? Then it is important to know the Greek regulations.

Important points to note:

A certified architect is mandatory for construction and renovation projects.
Greece has strict earthquake standards.
You always need a building permit, even for small renovations.
Taxes and social security contributions (IKA) must be paid, even if you do the work yourself.
Utilities may only be connected by certified professionals.
Make sure you have a clear construction plan and take into account additional costs.

Tip 5: Plan a viewing trip to Crete

A property often looks different in photos than in real life. That is why it is essential to plan a viewing trip to Crete.

Here’s how to get the most out of your trip:

Visit multiple properties to compare.
Plan outside of high season to experience the area at a quieter time.
Avoid Greek holidays, such as Easter, when many shops are closed.
Rent a property during your stay instead of a hotel, so you can experience daily life in the area.
Bonus: Pay attention to things like local amenities, accessibility and the atmosphere of the area.

Tip 6: Take into account additional purchase costs, When purchasing a property in Crete there are more costs involved than just the purchase price.

Expect approximately 10% additional costs for:

Transfer tax
Notary fees
Lawyer fees
Registration
fees Estate agent fees
Any VAT
Plan these costs in advance in your budget to avoid surprises.

Tip 7: Hire an independent lawyer

Greek law requires you to hire a lawyer (dikigoros) when purchasing real estate.

The lawyer ensures:

Checking the title and legal status of the house
Check for outstanding debts or legal claims
Assistance in drawing up and signing contracts
Possible representation at the notary if you cannot be present in person
Important: Choose an independent lawyer who will represent your interests only, and not those of the seller or builder.
The notary is present at the official transfer and checks that all documents are correct. Only when all taxes and levies have been paid, you are officially the owner of your home in Crete. 🎉

Why choose Crete?

☀️☀️ Mild climate – sun all year round
🏖️ Breathtaking nature – from beaches to mountains
🍇 Authentic culture – hospitable locals and delicious food
💰 Interesting investment opportunities – favorable real estate prices
📞 Your dream home in Crete? We are happy to help you!

At Brokerage Greek we guide you step by step in the purchase of your property in Crete. From searching for the perfect location to completing the legal procedures – we ensure a smooth and safe purchase.

Questions or need advice? Feel free to contact us..

👉 Also view our range of properties in Crete or read more about investing in Greek real estate via our website.

Crete is waiting for you! Will you seize this opportunity?