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 […]
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 […]
🏠 2025 Housing Aid in Spain – What You Need to Know (From Your Real Estate Agent) As a real estate agent committed to helping you find the best path to your new home, I want to share the key housing subsidies available in 2025 for buying, renting, and renovating properties in Spain. Below, you’ll […]
Buying a home is one of the most important financial decisions in anyone’s life. One of the first questions that arises when starting this process is: ‘What mortgage can I afford? Answering this question is fundamental to avoid an excessive financial burden and to ensure long-term financial stability. From our team of mortgage advisors, we […]
The Plenary of the Constitutional Court has ratified most of the Housing Law promoted by the government of Pedro Sánchez and approved in May 2023, which establishes limits to rent increases and regulates the figure of the large tenant, defined as the owner of more than five or ten homes. The Court has determined that […]
The new ICO guarantees, approved by the Government, constitute a line of financing of 2,500 million euros aimed at the purchase of the first home for young people under 35 years of age and families with dependent minors. This government initiative seeks to offer a concrete solution to a complex problem that requires specific instruments […]
