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 […]
What many of us feared has come to pass. The Plenary Session of the Constitutional Court has decided to give its blessing to the controversial reference value of the Land Registry, that invention of the Treasury which, since 2022, dictates how much we must pay for painful taxes such as ITP (property transfer tax) or […]
The rental market in Andalusia is preparing for a significant change. The new Andalusian Housing Law (Law 5/2025) comes into force on 24 January and brings important changes that directly affect landlords, tenants and real estate professionals. End of the mandatory deposit of the security deposit with the AVRA One of the most striking changes […]
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, […]
Every week, new data, surveys and reports confirm what we all already perceive in our daily lives: in Spain, accessing decent housing is becoming an impossible task. The housing crisis is no longer just an economic or real estate problem, but a social problem that threatens to fracture the foundations of our coexistence. The latest […]
The Spanish Supreme Court has taken an important step in the debate over the municipal capital gains tax (plusvalía municipal). In a ruling dated June 13, 2025, the Administrative Chamber established that taxpayers who, as of the Constitutional Court ruling 182/2021 (October 26, 2021), were still within the legal deadline to appeal in court, may […]
Since August 12th, a new regulation has come into effect that changes the rules of the game: from now on, a property cannot be appraised for a mortgage unless it has a valid Energy Efficiency Certificate (EEC). This means that if you are planning to buy with financing, sell your home, or refinance your mortgage, […]
The housing crisis in Spain is no longer just a concern. It’s an emergency. And the most alarming part isn’t that we’ve reached this point, but that those with the power to act remain frozen—trapped by ideology, bureaucracy, lack of political will, and, let’s be honest, incompetence and short-sightedness. Where is the government when it’s […]
Spain’s Constitutional Court has taken a major step that could shake up how property taxes are calculated. It has admitted for review a legal challenge against the controversial “reference value” (valor de referencia) used as the basis for calculating key taxes like the Property Transfer Tax (ITP) and the Inheritance and Gift Tax (ISyD). 📌 […]
