Relocation to Spain & Financial Planning Made Simple
To live in Spain long-term, non-EU citizens (including UK nationals) will need a residency visa.
The most common are the Non-Lucrative Visa and the Digital Nomad Visa .
You’ll also need an NIE number, health insurance, and proof of income or financial means.
It depends on your visa type and circumstances, but most clients complete the process in 3 to 6 months.
We recommend starting early—particularly with financial and legal planning.
Yes, you’ll need a Spanish bank account to pay for utilities, taxes, and property-related expenses.
We can help you open one as part of the legal buying process.
If you become a Spanish resident, you’ll need to exchange your UK license for a Spanish one within six months of registering.
This can be a straightforward process, and we guide clients through it.
Retirees often prefer quieter areas like Mijas, Estepona, or inland fincas with great healthcare nearby.
Families look for access to international schools and child-friendly neighbourhoods like La Cala, Marbella East, or Sotogrande.
Digital nomads love Malaga, Valencia, and co-working hubs like Marbella or Tarifa.
We help match you to the area that best fits your lifestyle and long-term plans.
At a minimum:
Our in-house legal team handles the entire purchase process for you—from contract to completion.
You’re considered a Spanish tax resident if you spend more than 183 days in a calendar year in Spain.
This means you’ll be liable for Spanish tax on your worldwide income unless you plan and structure things properly in advance.
You may still have UK tax obligations (on rental income, pensions, etc.), but it depends on your residency status and the UK–Spain double tax treaty.
We help clients navigate both systems to avoid being taxed twice.
Yes. UK wills don’t always cover Spanish assets properly.
We strongly recommend creating a Spanish will for any assets located in Spain, including property, to ensure smooth inheritance processes for your family and ensuring your UK will is up to date.
We can assist with both.
Yes, options include QROPS (Qualifying Recognised Overseas Pension Schemes) or keeping it in a SIPP.
What’s best depends on your age, goals, and tax situation.
Our Wealth Management team offers personalised pension advice.
Smart tax structuring before you become a Spanish resident is key.
We help with:
Absolutely, and many of our clients do.
We help you structure your investments to be fully compliant under Spanish tax law while still aligning with your growth or income goals.
You can hold assets in GBP, EUR, or multi-currency accounts depending on your setup.
We also help you get better-than-bank exchange rates when transferring large sums for property purchases or income
Yes.
If you’re a Spanish tax resident and hold more than €50,000 in foreign assets (e.g., bank accounts, pensions, property), you must declare them using Modelo 720.
Failure to do so can result in heavy fines—but don’t worry, we’ll walk you through it.
We’d love to help you navigate your move.
Whether you’re early in the planning phase or ready to find your property, our team is here to support you every step of the way.
Speak with our team for tailored advice and peace of mind.
Going Beyond Finding A Home
We Find You A Lifestyle
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