Buying a house in Spain from the United Kingdom
What changes depending on the country you are buying from. The steps of the purchase are the same for everyone and are in the general guide.
Since Brexit, without a visa you can stay in Spain and the rest of the Schengen area for a maximum of 90 days in any 180-day period. Longer stays require a visa or a residence permit. Owning a property does not give you the right to live here.
The price is paid in euros. Months can pass between the deposit and the deed, and the exchange rate moves: ask your bank or a regulated currency broker about a fixed rate, and compare fees.
Spain has a treaty with your country to avoid paying twice on the same thing. How it affects you —non-resident tax here, what you declare there, rental income, inheritance or the sale— depends on your case: ask a tax adviser who knows both countries before you buy.
If you sign a power of attorney in your country so that your lawyer can buy on your behalf, it will normally need the Hague apostille and a sworn translation into Spanish. You can apply for the NIE at the Spanish consulate in your country.
Spanish banks grant mortgages to non-residents, normally for a smaller share of the value than to residents, and they will ask for payslips, tax returns and bank statements from your country. If your income is not in euros, ask how a change in the exchange rate would affect you. Calculate
Many British buyers choose Torrevieja, Orihuela Costa, Jávea and Benidorm, with direct flights all year round from Alicante and Murcia airports.
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