Spain Schengen Visa from the UK: Post-Brexit Application Guide 2026
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Brexit ended free movement for UK passport holders, and that single change reshaped how Britons travel to Spain. Since 2021, UK citizens are non-EEA nationals for Spanish immigration purposes and need a Schengen Visa to visit Spain for stays beyond the 90-day rule. The standard short-stay Schengen Visa allows up…
How to Calculate Spanish Rental Income Tax 2026: Step-by-Step
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Calculating Spanish rental income tax depends on three things: whether you are a tax resident, whether you are EEA-based or further afield, and whether the rental is long-term or short-term tourist letting. Get the residency classification wrong and you either over-pay or face a back-tax assessment. The 2024 Housing Act…
Renovacion de Visa No Lucrativa en Espana 2026: Checklist
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La Visa No Lucrativa (VNL) es la principal via de residencia en Espana para jubilados y personas con independencia economica — y renovarla correctamente es lo que convierte un experimento de un ano en la senda de cinco anos hacia la residencia permanente. La primera VNL se concede por un…
Non-Lucrative Visa Spain Renewal 2026: Documents Checklist
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The Non-Lucrative Visa (NLV) is Spain’s main residency route for retirees and the financially independent — and renewing it correctly is what turns a one-year experiment into the five-year path to permanent residency. The first NLV is granted for one year; the first renewal extends to two years; the second…
Impuesto sobre el Patrimonio en España 2026: Calculadora y Tipos
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Si posees activos en España o planeas mudarte aquí, el Impuesto sobre el Patrimonio es uno de los primeros cálculos que debes hacer. El impuesto se aplica sobre patrimonio neto superior a 700.000 EUR, con una bonificación adicional de 300.000 EUR por la vivienda habitual para residentes. Los tipos van…
Wealth Tax Spain Calculator: Estimate Your 2026 Liability
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If you own assets in Spain or are planning to relocate here, the wealth tax (Impuesto sobre el Patrimonio) is one of the first numbers you should run. Spain’s wealth tax applies to net assets above 700,000 EUR, with an additional 300,000 EUR primary residence allowance for residents. Rates run…
IRPH Claim in Spain: How to Challenge an IRPH Mortgage
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Thousands of mortgage borrowers in Spain may have paid significantly more interest because their loan was linked to the IRPH index instead of Euribor. Following several rulings by the Court of Justice of the European Union, Spanish courts must analyse whether IRPH clauses were transparent and properly explained. If the…
Flood Damage in Spain: How to Claim After Storms and Extreme Weather (Insurance & Consorcio)
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Over the past few days, many towns across Andalucía — especially in the Serranía de Ronda and the Sierra de Grazalema — have made national headlines due to severe flooding and storm damage. Roads blocked, homes evacuated, hotels underwater, schools closed… and many residents suddenly finding their gardens turned into…
Málaga Off‑Plan Property: Buyer’s Guide + Current Developments (2026)
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Updated January 2026 If you’re looking at off-plan property in Málaga, you’re stepping into a city that quietly got serious. Once a sun-and-museum stop, Málaga now blends a refreshed historic core, a buzzing tech-and-startup scene, and a steady pipeline of design-led new builds from the Centro to the eastern coves….
Off-Plan Buying Guide — El Puerto de Santa María (Updated: January 2026)
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If you’re looking at off-plan property in El Puerto de Santa María, you’re arriving at a place quietly redefining itself. Long seen as a summer escape for Andalusians, El Puerto is now stepping into a new chapter — blending old-town heritage, a lively marina culture, and a wave of design-led…
Comprehensive Guide to Obtaining Spanish Residency and Nationality for EU/EEA, Swiss, and Non-EU Nationals (2025 Edition)
Thinking about making Spain your home? Tell us what you are facingEmail marialuisa@costaluzlawyers.es with a short description of your situation. We reply with the next step and who in the firm handles it. If your question turns on your own documents or figures, reviewing them is a separate, scoped service…
Relocate Your Business to Spain (2025)
Full legal, tax, immigration and corporate advisory from a multidisciplinary teamLast updated: October 2025 2025 Snapshot: What matters this year Spain remains a top EU entry point for tech, services, and holding structures. Popular pathways (Startup Law permits, investor visas, highly qualified professional permits, digital-nomad routes) continue to be used…
Tax Status & Representation in Spain
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Updated December 2025 Understanding Spanish Taxes: Residents vs Non-Residents A simple, friendly guide for international clients Whether you already live in Spain or simply own a home here, your tax obligations can be very different. Before filing anything, it’s essential to know whether Spain considers you a tax resident or…
Non-Lucrative Visa Requirements (2026) — Checklist & Documents
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Fast Answer (Non-Lucrative Visa) If you’re applying for Spain’s Non-Lucrative Visa, the fastest way to reduce refusals is to treat it like a compliance file: correct financial proof, correct wording/format of documents, and a complete consulate-ready pack. We help you confirm eligibility, prepare and review documentation, and guide the consulate…
Inheritance: A guide to selling an unregistered property in Spain
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If you’ve recently inherited a home in Spain and discovered it’s not listed on the Property Registry (registro de la propiedad in Spanish), you’re probably wondering whether you can still sell it, or not.
Your guide to taxes on rental properties in Spain
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The expensive error landlords make in Spain is not keeping the invoices and records that justify their deductions — by the time of a tax inspection, it’s too late to reconstruct them. How is rental income taxed in Spain for non-residents? If you let a Spanish property you must declare…
Buying A Home In Spain – All Your Questions Answered
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Page Created 17 October 2020 – Page Updated 23 January 2025 When it comes to buying property, every country does it differently. Spain is, of course, no exception and to those unfamiliar with the buying process, it may seem confusing and/or strange. To help you understand the process more clearly,…
Resources
Information Resources for all Aspects of Spanish Law Welcome to CostaLuz Lawyers’ Resources—your comprehensive guide to navigating life, business, and property in Spain. Whether you’re considering a move, setting up a business, or investing in real estate, we’ve gathered essential information to help you understand the processes and make informed…
Insurance Complaints in Spain
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Nowadays, you can insure against almost anything and take out a policy covering your house and car to your health and life. But as we all know very well, having an insurance policy does not necessarily mean you’ll receive compensation. Indeed, we’re all familiar with insurance complaints in Spain –…
Claims against Banks in Off Plan Projects
Law 57/1968 / Law 20/2015 – Bank & Insurance Claims Explained An established legal practice, not a recent service We are not a new law firm or service created following the Supreme Court rulings on Law 57/1968. Our work in this area began in 2008, when we started researching the…
Negative Equity Property Debt
In the aftermath of the property bubble, the subsequent economic crash and more recently, the COVID-19 crisis, negative equity has become commonplace among property owners in Spain. Thousands of foreigners who bought at the height of the boom with high loan-to-value mortgages now find themselves with a property worth less…
International Estate Planning, made human
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Last updated: 14 October 2025 Spain • UK • US Owning a home in Spain, investments in the UK, or a trust in the US shouldn’t turn your legacy into a paperwork maze. Different systems (Common Law vs Civil Law) do play by different rules, but with the right plan…
Long-term Rentals
Long-term rentals in Spain for landlords and tenants Are you the owner of a property in Spain and thinking of letting it long-term? Read this Long-term rentals for landlords in Spain One of the best ways of ensuring a steady income from your home in Spain is to let it…
Traffic Accident Claims
What can I claim after a car accident? You can claim for both physical and psychological injuries, property damage and loss of earnings. Physical injuries include the possible consequences as a result of the injury. The amount to be claimed will depend on the type of injury, the healing time…
Help with Bankruptcy in Spain
In these uncertain times, many businesses in Spain face the possibility of insolvency, a situation that is always daunting. At CostaLuz Lawyers, we offer full support for businesses in or about to enter financial difficulties. Our aim is to make the proceedings run as smoothly as possible and as always,…
Timeshare Claims
The Timeshare industry was wild for a good number of years until European Directives led to the transformation of the business in Spain. These days the Supreme Court in Spain is declaring null and void most of the contracts signed during the last decades that are submitted for its judgement….
Business Debts and Debt Recovery
How to make claims for business debts and debt recovery An unfortunate fact of business life is that companies you work with or provide services for do not always honour their invoices on time or at all. Making claims for business debts and debt recovery, therefore, forms part and parcel…
Mortgage Repayment Help
Are You A Spanish Homeowner Struggling With Mortgage Repayments? We are Costa Luz Lawyers. And we want you to know that you’re not alone. Fastest start (recommended): Negative equity property debt (Spain) What to do when you can’t pay your Spanish mortgage Spanish Mortgage Claims (2026) — if the deed…
Claiming Your IRPH Clause in Spanish Mortgages (2026)
If your Spanish mortgage is linked to IRPH instead of Euribor, you may have paid significantly more in interest over the years. Before taking action, you should clarify three key points: How to check if your mortgage is indexed to IRPH (where to find it in your deed) Whether recent…
Your Guide to International Succession
In today’s mobile world, it’s common for people to own assets in more than one country and live in a country other than that of their nationality. While this makes life very cosmopolitan, it can make inheritance matters more complicated than usual since international succession involves legislation in more than…
Medical Malpractice Claims
Our health is our most prized possession and a treasure we place in doctor’s hands when we have medical treatment. Every so often, this treatment goes wrong or has undesired side-effects that may be caused by medical malpractice. Medical negligence by a health professional has two main effects: firstly, are…
Opening a Branch in Spain
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If you have a business based outside Spain and want to set up a presence in Spain, opening a branch may provide the solutions you’re looking for. This option offers advantages compared to setting up a subsidiary or forming a company in Spain, which we outline below. We also provide…
Company Taxes in Spain (2025)
You set up a company in Spain — or you are about to — and now there is a stack of obligations nobody explained: corporate tax, VAT, social security, quarterly filings. Most international entrepreneurs arrive not knowing what they owe, when, or to whom, and the cost of guessing wrong…
Guide to building insurance for new builds in Spain
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When you buy a new-build property in Spain, you automatically become a beneficiary of insurance against defects in construction. Depending on the type of fault, the insurance policy lasts from one year to ten. In this article, we look at the policy type and what it covers. About building insurance…
Mortgage Claims in Spain
Looking for the 2026 master guide? Start here: Spanish Mortgage Claims (2026) — abusive clauses, typical refunds, and how to recover money from Spanish banks. Tell us what you are facingEmail marialuisa@costaluzlawyers.es with a short description of your situation. We reply with the next step and who in the firm…
Banking in Spain
Help with banking in Spain An essential part of moving to Spain is opening a bank account and it’s also advisable to open one when you buy a property. Having an account with a bank in Spain will make things easier for you and save on bank charges and commission…
Inheritance Tax & Laws in Spain (2026)
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The shock for families with assets in Spain is that heirs pay inheritance tax to receive them — and how much swings dramatically by region, from up to 99% relief to full rates. Inheritance tax in Spain affects everyone who owns assets in the country, regardless of whether you are…
Buying a luxury property in Spain? Don’t get caught out by wealth tax
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Wealth tax (impuesto de patrimonio) is a Spanish tax that, instead of taxing income or expenditure, taxes people’s possessions. This is a tax that takes many foreigners by surprise as Spain is one of a vanishingly few countries to have a tax on wealth, alongside France, Switzerland, Norway and the…
How To Pay Less Tax In Spain With The Beckham Law (2026)
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Everyone dreams of paying the taxman less. And the good news is that in Spain, this dream can come true with the so-called Beckham Law. Expats who fulfill the right conditions have a special dispensation to pay less tax in Spain, not just on income tax, but also on wealth…
Spain Taxes — Quick FAQ (2025)
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What does our service include? Tell us what you are facingEmail marialuisa@costaluzlawyers.es with a short description of your situation. We reply with the next step and who in the firm handles it. If your question turns on your own documents or figures, reviewing them is a separate, scoped service that…