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Surviving Spain, Money, Legal and Financial matters

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All your expat insurance needs supplied in English by Galindo & Zarco Insurance BrokersPersonal and commercial security from major insurance firms at discounted prices Galindo & Zarco Insurance Brokers is a well-established company catering for all your insurance needs in the Costa Cálida, having been in business for well over 20..

Sterling tumbles on gloomy outlook for British economy TORFX weekly exchange rate newsRead our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1278 €1.1043 GBP/USD&..

The Spanish tax deadline approaches for owners of second homes In Spain. Spanish Taxes OnlineDo you own a second home in Spain? The deadline for Modelo 210 tax submissions is looming on December 31 st – and a new service, Spanish Taxes Online, can save you hundreds in fees. As well as loads of time and all the hassle of having to..

What If I die before my overseas mortgage expires? Eu property SolutionsA tough question but a common theme our team experience here at EU Property Solutions. Demographically speaking, a majority of our clients are those of retirement age who purchased property during the boom period in Europe pre-2008. There have been..

Save time and money by paying your Modelo 210 property tax with Spanish Taxes OnlineThe December 31st tax deadline is looming but Spanish Taxes Online are on hand to help. Anyone who owns a property in Spain which they do not rent out is liable to pay the Modelo 210 property tax if they are not resident in Spain for tax purposes and the..

Pound rises on renewed hopes of Brexit deal TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1095 €1.0932.. 26/10/2020

Pound fluctuates on Brexit uncertainty TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1100 €1.0960 GBP/USD .. 19/10/2020

Biggest Mistakes When You Can’t Pay Your Foreign Mortgage EU Property Solutions.If you have a foreign mortgage that you are struggling to pay, don’t worry. Issues are easily solved when you approach them in the right way. Don’t make these common mistakes that can make your situation worse: 1. Hand Over the Keys..

Spend less money on electricity in Spain with Energy NordicIt’s simple; we can save you money on your electric bill in Spain. We all like to save money and cut the cost of running a home or second property here in Spain, and we can save money for 9 out of 10 people who contact us for a quote. We have various..

Pound slumps as coronavirus restrictions threaten recovery momentum TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.0965 €1.0850 GBP/USD &.. 25/09/2020

No rental income for summer 2020 & want to sell? Following the UK confirming that those returning from overseas travel will have to Self-isolate for 14 days the Spanish Government has followed suit imposing the same restrictions. This year’s Summer Holiday season is cancelled. If you.. 18/08/2020

A perfect storm of distressed property debt and negative equity this winter 2020 Eu Property Solutions The perfect storm referred to above relates to: Covid-19 and travel restrictions, The Recession, Brexit, and The worst one – BANK LOAN SALES. EU Property Solutions have helped hundreds of people across Europe, especially Spain, when..

Foreign Mortgage? Can they chase me in the UK? Are my assets under threat? In the past few weeks we have seen a large increase in enquiries especially from people who have mortgages particularly in Cyprus and Spain. Many are concerned with some loan sales now being undertaken by Banks across Europe, as the Banks at last look to clear..

Move in this summer to brand new beachfront homes in Puerto de Mazarrón Top quality Costa Cálida properties just a stone’s throw from the Mediterranean Property promoters KDP, with over 25 years’ experience designing and building top quality homes in the Region of Murcia, offer key-ready properties.. 06/07/2020

No Travel No Problem! EU Property Solutions allows you to offload property without visiting SpainWE HAVE THE SOLUTIONS TO DEAL WITH SPANISH PROPERTY DEBT ISSUES. The world continues to be an uncertain place. In the UK the Government have announced their stepped plan to restore normality. One thing that has hit the headlines is a 2-week self-isolation.. 13/05/2020

Make savings when moving money to your Spanish bank accountAn essential part of many expats’ lives is moving your savings, wages, or pension from your country of origin to your Spanish bank account. If you use your bank to manage your currency transfers you could be losing out due to transfer fees.. 01/05/2020

The virus: a time to invest wisely for the long term and to take professional advice How long will the coronavirus last, what impact will it have on the global economy and have we hit the bottom yet? A message from Keith Littlewood at Blacktower Financial Management As I write from my desk at home, it strikes me how quickly we.. 30/03/2020

Help for local businesses: what is an ERTE ERTEs are likely to affect millions of employees in Spain during a prolonged coronavirus crisis As it becomes ever clearer that the coronavirus crisis in Spain will create significant issues for businesses long-term, many companies are taking advantage..

EU Property Solutions refuse to take no for an answer! Help is at hand for those who bought into the Spanish dream and are now living a nightmare Over a decade after the end of the credit-fuelled building spree in the Costa Cálida and the other Costas in Spain, one of the consequences of that.. 24/03/2020

Liberty Seguros agent for all your House, Motor, Medical and general Insurance needs in the Camposol and Murcia RegionLiberty Seguros agent for household, motor and general insurance policies, Now offering Health and Funeral Plans for Costa Cálida. Business as usual - the office is Closed temporarily but taking calls via mobilenumber and WhatsApp or email..

ERTE temporary redundancy schemes and how they affect businesses and the workforce ERTEs are likely to affect millions of employees in Spain during a prolonged coronavirus crisis As it becomes ever clearer that the coronavirus crisis in Spain and the strict measures imposed by the national government to protect the population are.. 17/03/2020

How to make a Will in SpainIf you have assets in Spain it is essential to make a Will In our own household the impending departure of the UK from the EU has prompted a full revision of all documentation relating to our own residence in Spain, and a general process to "tidy.. 25/02/2020

EU Property Solutions address foreign mortgage nightmares Can they chase me in the UK? Are my UK assets under threat? They could be if you don’t act to solve the problem… Over the last few weeks the staff at EU Property Solutions have noticed a significant increase in the number of enquiries.. 20/02/2020

EU Property Solutions: How Brexit could affect British holders of Spanish mortgages who are hoping to sell Now is the time for action if you find yourself in negative equity on a property in the EU Now that 31st January has passed and the UK is officially no longer a part of the EU (although details have yet to be finalized during the transition period) there..

Why some Spanish bank accounts are being blockedAccounts are not being blocked because of anything to do with Brexit; account holders must re-affirm their identity every 2 years regardless of nationality Recently some readers have been expressing concerns over their Spanish bank accounts being.. 04/02/2020

The risks of interest-only mortgages on Spanish property EU Property Solutions Interest-only mortgages can turn into a ticking time bomb! As many people know the boom in the Spanish property market ended in late 2007 after the national average price of housing rose by a whopping 197% between 1996 and 2007. During that period..

Contact EU Property Solutions rather than risking your financial future with Spanish property debt Experienced intermediaries in protecting your interests when faced with overseas property debt A frequently asked question at EU Property Solutions is whether an overseas property debt issue could affect your ability to buy property in the United Kingdom..

Ignoring mortgage debt on European property is the worst course of action Avoid debts in Spain being pursued in the UK and consult EU Property Solutions A failure to keep up with mortgage repayments on properties owned abroad will most probably have the same consequences as similar non-payments in your home country, although..

EU Property Solutions offer assistance in Spanish mortgage foreclosures and property repossessions Don’t fall into the trap of thinking a Spanish bank won’t track down your UK assets! Since the start of the financial crisis and the property market crash in 2008 Spain has seen well over a quarter of a million properties repossessed - a staggering..

MRM Virtual Associate helping businesses operate efficiently in the Region of Murcia Outsource admin tasks to a trilingual associate and free up time to manage your business Michelle at MRM Virtual Associate has worked for over 20 years in office administration and now, backed by an exceptional team, is able to bring her experience as..

The process of finding a way out of foreign property debt with EU Property SolutionsA 6-step pathway to solving negative equity and other foreign property debt in Spain Over the years the team at EU Property Solutions have built a wealth of experience, learning that every case they deal with differs as each client has different circumstances.. 01/10/2019

Negative equity solutions for property owners in Spain from EU Property SolutionsSeek professional help in finding away out of crippling mortgage debt Do you ever find yourself wondering what exactly “negative equity” is, and what it means for your home in Spain? If so, you are not alone: at EU Property Solutions we.. 23/09/2019

What’s the difference between life insurance and a funeral plan? AvalonWhen it comes to paying for your funeral in Spain, what’s the right choice for you and your family? Have you thought about what your loved ones would do if you passed away in Spain? It’s not a nice thing to think about, but if you’re..

Do you have medical Insurance? Talk to Seguros Costa Blanca your local DKV Private Health Care Agent When it comes to health care, Seguros Costa Blanca is on a mission to bring reasonably priced private services to the English-speaking expat communities throughout the Murcia region and province of Alicante. Providing a flexible service, Eduardo.. 30/06/2019

Abandon the lottery mentality to your retirement fundSpeak to your Blacktower FM financial advisor and develop a regular savings plan and retirement strategy Nearly everyone dreams of winning the lottery and sailing into their sunset years of retirement aboard a superyacht of financial freedom and security.. 16/05/2019

Are you considering transferring your pension to Spain A pension transfer is not for everyone and there will be many factors to weigh up before making the decision to transfer from an existing scheme into a QROPS, SIPPs or other structure. However, a great deal of doubt remains about the long-term viability.. 15/02/2019

What products and rates available for Expats to acheive best income on investments.Best Income for Expats - Update Blacktower Financial Management (International) Limited Here is a brief resume of what is exactly available in the market place for investors and the rates you can expect to receive. Getting the best income possible from your..

How to register your property in Murcia as a holiday rental propertyTax authorities and the Murcia government are clamping down on undeclared rentals For many years now the tax authorities in Spain have been stepping up their efforts to clamp down on the practice of undeclared (and therefore illegal) holiday rentals.. 31/07/2017

Find peace of mind with a cost-effective and practical Avalon Funeral plansIn Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family and loved ones. The most common way of doing so is to take out a cost-effective and practical insurance plan. However, when thinking about.. 18/06/2016

Understanding the Funeral Process in Spain will help to avoid stress at a difficult time with AvalonIn Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family and loved ones. The cost of a funeral in Spain continues to rise and most Spanish families take out some kind of funeral plan to cover.. 26/02/2016

Find peace of mind with a cost-effective and practical Avalon Funeral insurance planIn Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family and loved ones. The most common way of doing so is to take out a cost-effective and practical insurance plan. However, when thinking about..

Importance of the Certificate of Habitation Certificate of Habitation Licencia de Primera Ocupación. Every new property in Spain must be issued with a first occupancy certificate or Licencia de Primera Ocupación. This certificate demonstrates that the property developer has fulfilled..

Beware bogus emails from the Tax office The Hacienda will never contact residents in this fashion. Bin them Beware the bogus websites Occasionally, someone will contact us concerned about an email they have received directly from the Spanish Tax Authority (Agencia Tributaria). Or so it.. 13/03/2013

Be warned, International Fraudsters take advantage of Spanish bank clearing times Fraudsters take advantage of ambiguity in bank statements Readers have contacted us to issue a warning with allegations of scams being perpetrated by fraudsters using the slowness of the cheque clearing system to extort cash from unwary expats. If.. 01/03/2013

Be informed, property tax is calculated on the book value of property, not mid crisis prices The taxman does not understand the concept of bargain homes This is a very interesting aspect of the economic crisis and the decline in house price values, which is leaving bargain buyers with a nasty shock. The sale price of a home is one thing.. 26/02/2013

Obtaining planning permission for any works on your property is now more important than ever LOTUP, Ley de ordenación del territorio, urbanismo y paisaje (urban and landscape planning and zoning law) This article contains a lot of very sensible and practical advice for anyone in Spain relating to any alterations made to property mentions.. 15/02/2013

Be aware of changes to the law when making large cash transactions in Spain Cash limits on transactions Changes in the law continue to come thick and fast in an attempt to generate revenue. One of the most recently implemented measures as part of the Anti-Fraud laws is the cap on cash payments. At first glance, this can seem.. 18/01/2013

Failure to pay imputed income tax on properties can result in bank embargoes The deadline of 31st December is approaching for those who have to pay imputed income tax. Embargoes by the Tax Authority People often react with indignation when they find out they are not the only ones who can legitimately take money out of.. 29/11/2012

Your queries: What is the difference between fiscal and civil residency? What constitutes a Spanish resident, and should I pay my taxes here or in the UK? Many expats who own property here divide their time between the UK and Spain. During the boom years in Spain, there was very little genuine concern over how many expats.. 20/11/2012

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