Blog
Practical, up-to-date explanations of the NIE, the mortgage, refinancing and tax for non-residents. Written by the people who handle these procedures every day, not by generic copywriters.
Legal Checks
A Registry–Catastro mismatch rarely blocks a Spanish mortgage: it shrinks the valuation and the loan. The 5% and 10% rules, and how to fix it.
Mortgages & Banks
A euro mortgage repaid from pounds or dollars meets Spain's legal definition of a foreign-currency loan. What that triggers, and the 20% rule explained.
Non-Resident Tax
UK, US and Swiss owners letting in Spain pay 24% on gross rent with no deductions. What the law says, the Supreme Court appeal, and the new 2027 deadlines.
Mortgages & Banks
Spanish lenders can't read a UK or US credit score, and a first-time buyer's CIRBE file is empty. What Spanish law makes them check instead, and how to prepare.
Buying Process
A financing clause in a contrato de arras only protects your deposit if its deadline is realistic. What Spanish law actually fixes — the FEIN's 10-day minimum, 14 in Catalonia — and how to count backwards from it as a non-resident buyer.
NIE & Red Tape
A practical guide to the NIE for non-residents: what it is, the two routes to get one (the Spanish consulate in your country or directly in Spain), documents, costs, timings, special cases and the 5 mistakes that get applications rejected.
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