Before buying a home in Spain, it is essential to verify it is free of liens, debts, and tax attachments. We explain how to prevent Tax Office claims and avoid surprises after signing
Buying a home in Spain has become an obstacle course in which the biggest hurdle is not the price of the property itself, but the insatiable greed of the administration. Amidst a tangle of acronyms, fees and taxes, the State — at all three levels: central, regional and local — acts as a silent partner […]
For a British citizen to buy a property in Andalusia, the process has changed slightly since Brexit, as British citizens are now considered third-country nationals (outside the EU). Here are the main steps and requirements in addition to the NIE: 1. Obtaining the NIE (Foreigner’s Identity Number) As you rightly mention, this is the indispensable […]
New Housing Plan 2026-2030: Increased Rental Support, Renovation Incentives, and Stronger Public Housing Protection The Spanish Government has approved the new 2026-2030 State Housing Plan, a strategic roadmap for the coming years aimed at addressing the housing affordability crisis. While its approval comes slightly later than originally planned, the final text incorporates key agreements with […]
41.3% of citizens cite it as the country’s main problem, although it drops 2.2 points after March’s record. The economy and employment close out the podium The April CIS Barometer confirms something that now seems like a constant: housing has been the number one problem for Spaniards for 17 consecutive months. This month, more than […]
The recent ruling by the Court of Justice of the European Union (CJEU) has upended the situation for multi-currency mortgages in Spain. This judicial decision strengthens consumer rights and opens the door for nearly 20,000 affected individuals to annul unfair clauses and recover their money. What happened with multi-currency mortgages in 2026? The European Court […]
The 12-month Euribor has remained at its lowest level since November, standing at a provisional average of 2.22%, which means a slight drop in variable mortgage payments. This scenario of stable interest rates, together with new government subsidies for home purchases coming in 2026, make this year a real opportunity for those who want to […]
Donald Trump, ever-present as always, wants to ban large investors from buying single-family homes. What does that really mean for the market—and how should we interpret it if we did the same in Spain? In recent days, Donald Trump has once again put the spotlight on one of the biggest political and economic issues in […]
Why it is more than advisable to have bank pre-approval before looking at houses, because the house hunting process can be confusing. There is a lot to learn about mortgages, paperwork and viewings, and I am going to tell you what the most important step is: getting bank pre-approval before you start looking at houses, […]
The Supreme Court has decided not to generally annul mortgages linked to the IRPH (Housing Loan Reference Index) on the grounds that they are abusive. Instead of a single solution, it has made it clear that it will be up to the courts, on a case-by-case basis, to determine whether or not a clause with […]
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