Spanish residency for pensioners

Many people are confused when it comes to what they need to apply for residency in Spain. In this series of four articles, David Ruiz of Torrevieja Translation, explains what the specific requirements are for pensioners. This is the second article of a series of five articles on Spanish residency for EU and British citizens. […]

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Mini guide to Spanish residency – an overview

Many people are confused when it comes to what they need to apply for residency in Spain. In this series of four articles, David Ruiz of Torrevieja Translation, explains what the general requirements are.   Welcome to the Mini guide to Spanish residency. This is the first article of a series of five articles on Spanish […]

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What does embargo mean? – Everything you need to know about embargoes

What does embargo mean

Like many words, ‘embargoes’ has different connotations in Spain to what it does in the UK. For most British people when you talk about embargoes you picture a prohibition from one country on another. So what does embargo mean? It comes as something of a shock to some people with Spanish bank accounts to discover […]

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Enjoying Spain on a Harley

When Bob Bray first fell in love with Harley Davidsons at eight years old he didn’t envisage that he would be touring Spain on one. Now, he plans to share the varied and marvellous scenery with his wife too. ‘I was in Bognor Regis when I saw my first Harley Davidson. It was love at […]

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We like it so much we’re buying again

When Paul and Donna Mclaren bought their first property in Spain they didn’t realise just how much they would fall in love with Gran Alacant. Now, thirteen years later they’re on the move…down the road.  Paul and Donna bought their first Spanish property in 2003. ‘We’d looked around,’ explains Paul, ‘but we just loved it in […]

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Exploring Bodegas in Spain

Spain is famous for its wine and deservedly so. It has a huge number of vineyards many of which welcome people to come and find out about the grapes that are grown there and the wines that result. The bodega is officially the warehouse where the wine is stored but it has come to mean […]

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EU commission rules on floor clauses

The EU Court of Justice has ruled that banks in Spain must return all the interest on mortgages that they have over-charged prior to 2013 as well as after. During the property boom, many Spanish banks got their customers to sign mortgage agreements that included a floor clause. This floor clause meant that the amount […]

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Taking care of your health in Spain

Spain has a reputation for having one of the best national health services in Europe. How can you make sure you can access it if you come to live here? Caroline Clinton explains what the options are. For those people considering coming to live in Spain permanently, how to access the health care in Spain is […]

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Demystifying the valor catastral

valor-catastral-spain

Like most countries, you must pay council tax in Spain. But what is it and how is it calculated?  In this article Linda Robertsson Posada, from the fiscal department, explains IBI and the role that the valor catastral has to play. However, we would like to remind you that taxes in Spain can be complicated […]

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Why compromise? Build your own in Spain

It’s often said that to find your perfect property you must compromise. After all, you can’t expect to have everything you want in one location. But perhaps there is an alternative- why not build your own in Spain? In this article we find out more about what this might entail. Only need two bedrooms but […]

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Dogs in Spain – Everything you need to know

dogs in spain

Of course, it’s not only dog owners who want to know what is and isn’t allowed in Spain. Anyone spending time here is affected by the way in which others look after, or not, their dogs in Spain. Barking dogs, dangerous dogs, dog mess left on the pavements have an impact on everyone. In this […]

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Which country should you choose?

The HSBC survey aims to give people an opportunity to see how others rate the country they’ve moved to. In this article we look at the overall results and summarise opinions on Spain. If you live in Spain but are of a different nationality, what made you choose this country and not another one? For […]

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Legal representation in Spain

When buying a property in Spain the additional costs of the buying process can soon add up. Paying for a solicitor is one of the main additional expenses that people incur and it is understandable that they might look for a short cut to reduce the cost of this. One of these short cuts can […]

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Declaring your sources

Post Panama, more people are probably aware of the issues around money laundering. In Spain, long gone are the days when few questions were asked about the source of your finance. We explain. If you buy a property now in Spain you will be asked to disclose the source of your money. This isn’t because […]

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Have you thought about giving it away?

Making sure your loved ones benefit from your hard-earned money is a priority for the majority. You can’t take it with you but it’s nice to have control over who you’re leaving it to. For some, ‘gifting’ their property seems like the best option, particularly now when you can benefit from certain tax advantages in […]

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How to cope with Brexit – finding tax-wise solutions

Most of our British clients are worried about the implications of Brexit. In this article we look at some possible tax consequences in Spain; helping you take matters in hand and provide peace of mind for you and your family.   Have you ever considered donating your Spanish assets to your children? Donation is a […]

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Spain’s banks have their knuckles rapped

A judge has ruled that a clause included in 30% of mortgages in Spain is illegal. Ábaco’s legal department explain why and what this might mean for you. In the past, Spanish banks have not always been transparent when selling their products, particularly when it comes to mortgages. They have taken advantage of people’s lack […]

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Brexit implications for donation and inheritance

As speculation continues into the implications of severing ties with Europe, there are some emerging realities that we should already be contemplating. The impact on donation and inheritance tax in Spain is one. There are many imponderables when it comes to considering what the implications of being out of the EU will mean for British […]

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Taking the train in Spain

How is it best to travel around Spain’s 500,000 sq km of land?  With 17 autonomous communities and countryside varying between the rugged and the rolling it really is worth exploring if you have the transport to do so. And if you don’t? You can take a plane between some of Spain’s major cities. However, […]

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A mini guide to official translations in Spain – guest article

Ever wondered what an official translation is? Can just anybody produce official translations? In David Ruiz’s mini guide he includes his advice for hiring an official translator. An official translation is an accurate and legal translation of a document completed by an official translator. Official translations can be requested for many purposes and legal procedures. […]

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Customising your property with a mortgage

Anthony Dewhurst had seen a property he wanted to buy. With a little extra funding, it could be made even more ideal for his family’s trips out to Spain. But could he get a mortgage to help with the cost? Anthony and his family are regular visitors to the Costa Blanca. They have friends who […]

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Getting the most from your plants in Spain

With a hot, dry climate you might have low expectations of what’s possible when it comes to creating colour in your garden. However, you might be surprised. Nico Clinton provides some gardening tips to help your garden in Spain flourish. In the height of the summer, looking out across the landscape of southern Spain you […]

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Enjoy the travelling lifestyle with a campervan

Some people have a travelling vein in their body. They simply can’t stay in one place for too long. Some people take advantage of their early twenties to tour foreign countries whilst others prefer to wait until they retire. Some, make it a life choice earlier. The campervan is a popular way of combining a […]

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First occupancy and habitation licences – what’s the difference?

They are both very important documents and yet many people haven’t even heard of them, let alone know what the difference is.  Not until they want to sell their property that is. Jessica Martinez explains why they’re so vital. Every new property in Spain must be issued with what’s called a first occupancy licence or […]

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Is your dog on Spain’s dangerous dogs list?

There are different rules in Spain to other European countries when it comes to dangerous dogs. Dogs are not banned in the way they are in the UK but the owners and those walking a dangerous dog in Spain must be licensed. The law that governs this is the law Real Decreto 287/2002. It includes […]

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