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All your expat insurance needs supplied in English by Galindo & Zarco Insurance BrokersPersonal and commercial security from major insurance firms at discounted prices Galindo & Zarco Insurance Brokers is a well-established company catering for all your insurance needs in the Costa Cálida, having been in business for well over 20..

Pound boosted by Brexit trade deal hopes TORFX Weekly exchange rate newsRead our round up of the latest exchange rate news and plan your currency transfers for the right time. Information provided by TorFX – 5 year winner of the Moneyfacts Consumer ‘International Money Transfer Provider of the Year’ (2016.. 23/11/2020

Sterling tumbles on gloomy outlook for British economy TORFX weekly exchange rate newsRead our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1278 €1.1043 GBP/USD&..

The Spanish tax deadline approaches for owners of second homes In Spain. Spanish Taxes OnlineDo you own a second home in Spain? The deadline for Modelo 210 tax submissions is looming on December 31 st – and a new service, Spanish Taxes Online, can save you hundreds in fees. As well as loads of time and all the hassle of having to..

Close-run US election drives currency market volatility TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time in Spain. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1170 &.. 06/11/2020

US Dollar surges as corona virus panic sweeps through markets TORFX Weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1098 €1.0985 GBP/USD .. 02/11/2020

What If I die before my overseas mortgage expires? Eu property SolutionsA tough question but a common theme our team experience here at EU Property Solutions. Demographically speaking, a majority of our clients are those of retirement age who purchased property during the boom period in Europe pre-2008. There have been..

Save time and money by paying your Modelo 210 property tax with Spanish Taxes OnlineThe December 31st tax deadline is looming but Spanish Taxes Online are on hand to help. Anyone who owns a property in Spain which they do not rent out is liable to pay the Modelo 210 property tax if they are not resident in Spain for tax purposes and the..

Pound rises on renewed hopes of Brexit deal TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1095 €1.0932.. 26/10/2020

Pound fluctuates on Brexit uncertainty TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1100 €1.0960 GBP/USD .. 19/10/2020

Pound ends week fluctuating against Euro on Brexit headlines TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.1073 €1.0913 GBP/..

Biggest Mistakes When You Can’t Pay Your Foreign Mortgage EU Property Solutions.If you have a foreign mortgage that you are struggling to pay, don’t worry. Issues are easily solved when you approach them in the right way. Don’t make these common mistakes that can make your situation worse: 1. Hand Over the Keys..

Pound slumps as coronavirus restrictions threaten recovery momentum TORFX weekly exchange rate news Read our round up of the latest exchange rate news and plan your currency transfers for the right time. This week’s rates Weekly Highs Weekly Lows GBP/EUR €1.0965 €1.0850 GBP/USD &.. 25/09/2020

Invest in your health with ASSSASome people are mainly focused on the price when they look for a health insurance and they decide to contract the cheapest one, but… Watch Out! Inexpensive health insurances are available on the market at the time of contracting the policy, but as..

Thinking of a sunny retirement in Spain? Make sure you’ve got an expat funeral plan.Thinking of a sunny retirement in Spain? Make sure you’ve got an expat funeral plan so you can kick back and relax knowing everything´s sorted. Spain is the perfect place to retire, thanks to the great weather, low cost of living and thriving.. 11/09/2020

No rental income for summer 2020 & want to sell? Following the UK confirming that those returning from overseas travel will have to Self-isolate for 14 days the Spanish Government has followed suit imposing the same restrictions. This year’s Summer Holiday season is cancelled. If you.. 18/08/2020

A perfect storm of distressed property debt and negative equity this winter 2020 Eu Property Solutions The perfect storm referred to above relates to: Covid-19 and travel restrictions, The Recession, Brexit, and The worst one – BANK LOAN SALES. EU Property Solutions have helped hundreds of people across Europe, especially Spain, when..

Foreign Mortgage? Can they chase me in the UK? Are my assets under threat? In the past few weeks we have seen a large increase in enquiries especially from people who have mortgages particularly in Cyprus and Spain. Many are concerned with some loan sales now being undertaken by Banks across Europe, as the Banks at last look to clear..

No Travel No Problem! EU Property Solutions allows you to offload property without visiting SpainWE HAVE THE SOLUTIONS TO DEAL WITH SPANISH PROPERTY DEBT ISSUES. The world continues to be an uncertain place. In the UK the Government have announced their stepped plan to restore normality. One thing that has hit the headlines is a 2-week self-isolation.. 13/05/2020

Covid 19 Spanish property opportunity or threat? We are in unprecedented times with Covid 19 creating havoc across the world and especially in Europe. It is a Health and Economic Emergency with thousands tragically losing their lives and millions losing their livelihoods. Undoubtedly property markets..

Make savings when moving money to your Spanish bank accountAn essential part of many expats’ lives is moving your savings, wages, or pension from your country of origin to your Spanish bank account. If you use your bank to manage your currency transfers you could be losing out due to transfer fees.. 01/05/2020

The virus: a time to invest wisely for the long term and to take professional advice How long will the coronavirus last, what impact will it have on the global economy and have we hit the bottom yet? A message from Keith Littlewood at Blacktower Financial Management As I write from my desk at home, it strikes me how quickly we.. 30/03/2020

Help for local businesses: what is an ERTE ERTEs are likely to affect millions of employees in Spain during a prolonged coronavirus crisis As it becomes ever clearer that the coronavirus crisis in Spain will create significant issues for businesses long-term, many companies are taking advantage..

EU Property Solutions refuse to take no for an answer! Help is at hand for those who bought into the Spanish dream and are now living a nightmare Over a decade after the end of the credit-fuelled building spree in the Costa Cálida and the other Costas in Spain, one of the consequences of that.. 24/03/2020

Liberty Seguros agent for all your House, Motor, Medical and general Insurance needs in the Camposol and Murcia RegionLiberty Seguros agent for household, motor and general insurance policies, Now offering Health and Funeral Plans for Costa Cálida. Business as usual - the office is Closed temporarily but taking calls via mobilenumber and WhatsApp or email..

ERTE temporary redundancy schemes and how they affect businesses and the workforce ERTEs are likely to affect millions of employees in Spain during a prolonged coronavirus crisis As it becomes ever clearer that the coronavirus crisis in Spain and the strict measures imposed by the national government to protect the population are.. 17/03/2020

How to make a Will in SpainIf you have assets in Spain it is essential to make a Will In our own household the impending departure of the UK from the EU has prompted a full revision of all documentation relating to our own residence in Spain, and a general process to "tidy.. 25/02/2020

EU Property Solutions address foreign mortgage nightmares Can they chase me in the UK? Are my UK assets under threat? They could be if you don’t act to solve the problem… Over the last few weeks the staff at EU Property Solutions have noticed a significant increase in the number of enquiries.. 20/02/2020

EU Property Solutions: How Brexit could affect British holders of Spanish mortgages who are hoping to sell Now is the time for action if you find yourself in negative equity on a property in the EU Now that 31st January has passed and the UK is officially no longer a part of the EU (although details have yet to be finalized during the transition period) there..

Costa Calida Property Services S.L CamposolConveyancing services, Spanish Wills, inheritance, taxation, driving licences and legal paperwork. Costa Cálida Property Services offer a fully multi-lingual professional paperwork and translation service, helping non-Spanish residents or property..

Brexit information: Foreigners Identity card or TIE, Tarjeta de Identidad de ExtranjeroInformation supplied by the British consulate in Spain: 13th February 2020 "Many of you have asked about the Tarjeta de Identidad de Extranjero (TIE or Foreigners’ Identity Card) and how/when you can apply for it. The latest information.. 13/02/2020

Why some Spanish bank accounts are being blockedAccounts are not being blocked because of anything to do with Brexit; account holders must re-affirm their identity every 2 years regardless of nationality Recently some readers have been expressing concerns over their Spanish bank accounts being.. 04/02/2020

The risks of interest-only mortgages on Spanish property EU Property Solutions Interest-only mortgages can turn into a ticking time bomb! As many people know the boom in the Spanish property market ended in late 2007 after the national average price of housing rose by a whopping 197% between 1996 and 2007. During that period..

Contact EU Property Solutions rather than risking your financial future with Spanish property debt Experienced intermediaries in protecting your interests when faced with overseas property debt A frequently asked question at EU Property Solutions is whether an overseas property debt issue could affect your ability to buy property in the United Kingdom..

Ignoring mortgage debt on European property is the worst course of action Avoid debts in Spain being pursued in the UK and consult EU Property Solutions A failure to keep up with mortgage repayments on properties owned abroad will most probably have the same consequences as similar non-payments in your home country, although..

EU Property Solutions offer assistance in Spanish mortgage foreclosures and property repossessions Don’t fall into the trap of thinking a Spanish bank won’t track down your UK assets! Since the start of the financial crisis and the property market crash in 2008 Spain has seen well over a quarter of a million properties repossessed - a staggering..

MRM Virtual Associate helping businesses operate efficiently in the Region of Murcia Outsource admin tasks to a trilingual associate and free up time to manage your business Michelle at MRM Virtual Associate has worked for over 20 years in office administration and now, backed by an exceptional team, is able to bring her experience as..

The process of finding a way out of foreign property debt with EU Property SolutionsA 6-step pathway to solving negative equity and other foreign property debt in Spain Over the years the team at EU Property Solutions have built a wealth of experience, learning that every case they deal with differs as each client has different circumstances.. 01/10/2019

Negative equity solutions for property owners in Spain from EU Property SolutionsSeek professional help in finding away out of crippling mortgage debt Do you ever find yourself wondering what exactly “negative equity” is, and what it means for your home in Spain? If so, you are not alone: at EU Property Solutions we.. 23/09/2019

Ripped off?????How to complain about car hire companies via Spanish consumer complaints officesThe advice applies to all Spanish airports and any car hire company although the specific complaints we received related to Corvera airport in Murcia This summer has seen a large number of dissatisfied customers airing their views on social media.. 11/09/2019

What’s the difference between life insurance and a funeral plan? AvalonWhen it comes to paying for your funeral in Spain, what’s the right choice for you and your family? Have you thought about what your loved ones would do if you passed away in Spain? It’s not a nice thing to think about, but if you’re..

Check you are on the Padrón and that you have renewed within the last 5 years as no-deal Brexit looks increasingly likely Padrón and voting rights for UK nationals will change significantly with Brexit This week developments in the UK could indicate that the country is heading for a no-deal Brexit, in which case all of us living and working in Spain will find.. 30/08/2019

Do you have medical Insurance? Talk to Seguros Costa Blanca your local DKV Private Health Care Agent When it comes to health care, Seguros Costa Blanca is on a mission to bring reasonably priced private services to the English-speaking expat communities throughout the Murcia region and province of Alicante. Providing a flexible service, Eduardo.. 30/06/2019

Abandon the lottery mentality to your retirement fundSpeak to your Blacktower FM financial advisor and develop a regular savings plan and retirement strategy Nearly everyone dreams of winning the lottery and sailing into their sunset years of retirement aboard a superyacht of financial freedom and security.. 16/05/2019

Are you considering transferring your pension to Spain A pension transfer is not for everyone and there will be many factors to weigh up before making the decision to transfer from an existing scheme into a QROPS, SIPPs or other structure. However, a great deal of doubt remains about the long-term viability.. 15/02/2019

Warning! Professional, expert advice is critical before becoming resident in Spain! I recently had a request for an urgent meeting from a new client as he’d been told by his Spanish Lawyer that he had a tax bill of €70,000 even though his small business had made a €50,000 loss due to capital expenditures in his first year of..

What products and rates available for Expats to acheive best income on investments.Best Income for Expats - Update Blacktower Financial Management (International) Limited Here is a brief resume of what is exactly available in the market place for investors and the rates you can expect to receive. Getting the best income possible from your..

1st Legal Services in San Javier, First Legal services specialists in mortgage issues, conveyancing, wills, Tax services and more... Home visits throughout San Javier, Los Alcazares, San Pedro and all areas Murcia with a mission to provide the best possible legal and tax solutions at the minimum possible inconvenience 1st Legal is a reputable English-speaking solicitors’ firm..

How to register your property in Murcia as a holiday rental propertyTax authorities and the Murcia government are clamping down on undeclared rentals For many years now the tax authorities in Spain have been stepping up their efforts to clamp down on the practice of undeclared (and therefore illegal) holiday rentals.. 31/07/2017

Could Brexit be Guy Fawkes in disguise? Brexit article – by Keith Littlewood, Blacktower Regional Manager Costa Calida On 3rd of November The High Court ruled that Theresa May’s plan to not consult Parliament before starting the UK’s exit from the EU and then triggering Article..

Understanding the Funeral Process in Spain will help to avoid stress at a difficult time with AvalonIn Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family and loved ones. The cost of a funeral in Spain continues to rise and most Spanish families take out some kind of funeral plan to cover.. 26/02/2016

Find peace of mind with a cost-effective and practical Avalon Funeral insurance planIn Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family and loved ones. The most common way of doing so is to take out a cost-effective and practical insurance plan. However, when thinking about..

Beware fraudsters. 8 things your bank will never ask you to do Fraud is on the increase, particularly on the internet so be aware of potential scams Fraud hurts and there’s nothing worse than being ripped off by an unscrupulous conman. Although the internet is one of the most useful tools for rapid communication.. 26/10/2014

Changing a car to Spanish registration plates: the law as it stands When is it necessary to re-register a car with Spanish plates? The new Traffic and Road Safety law which came into force in April 2014 contained one point which has a large impact for foreign nationals who own vehicles in Spain and has caused a vast.. 11/10/2014

European Union rules that Spanish Inheritance Tax practices are illegal The European Court of Justice orders Spain to change inheritance tax laws The implications of this are huge for those who may already have paid inheritance tax at the “international rates”. Expats who have chosen to move to Spain are.. 05/09/2014

Holiday rentals: a target for the Spanish Inland RevenueAny expats living in Spain must also declare pensions as income even if they are below tax paying thresholds Tax inspections are targeting 27.696 Expat pensioners and former non-residents who have not declared income Buying a property for your own.. 08/07/2014

The cost of buying a house in Spain What are all the costs involved when purchasing a Spanish property If you’ve been wondering about buying a house in Spain, now is the time. There is plenty of property out there and it’s on the market at a very good price. Lots of foreigners.. 08/07/2014

British residents living in Spain must now make passport applications online The new process aims to minimise errors for those living here in Spain Passport applications for Britons resident overseas must now be made via the GOV.UK website All British residents living in Spain must now make their passport applications.. 12/02/2014

What currencies do Foreign Exchange brokers deal with? A vast range of currencies can be traded by residents in Spain When trying to decide how to handle a foreign currency exchange requirement, many people assume that using a bank will be the easiest and most convenient option. But specialist foreign..

Currency Brokers Save you Money on Personal and Corporate Currency Transfers? Using a bank isn´t the most cost effective way of transferring money As the world becomes increasingly international, more people than ever before are opting to live and work overseas. As different as these people may be in terms.. 16/07/2013

Spanish law, driving with children in Spain Seatbelt law, child restraints,whilst driving in Spain When booking a rental car it is vital to make sure appropriate restraints are reserved During peak holiday periods many visitors to Spain hire vehicles for family use, but are unaware of the.. 14/07/2013

Applying for new or replacement passports as a British national living in Spain Changes to the system for Spanish-based expats came into effect on 13th May 2013 Changes to the procedures for obtaining new or replacement passports. British nationals living here in Spain should be aware that the procedures for applying for new or..

Home Insurance and Car Insurance with Nash Warren Bolnuevo Property and Car Insurance South West Murcia, Mazarrón and Bolnuevo Nash Warren are long-established, independent insurance brokers, based in the South-west Murcia town of Bolnuevo, close to the Mazarrón Country Club and within easy driving..

Importance of the Certificate of Habitation Certificate of Habitation Licencia de Primera Ocupación. Every new property in Spain must be issued with a first occupancy certificate or Licencia de Primera Ocupación. This certificate demonstrates that the property developer has fulfilled..

Europe Direct Information Centres in Spain These European Commission Centres exist to help EU citizens find practical information and advice on exercising their rights in the European Union Today, Viviane Reding, Vice-President of the European Commission presented the next phase of development.. 18/03/2013

Beware bogus emails from the Tax office The Hacienda will never contact residents in this fashion. Bin them Beware the bogus websites Occasionally, someone will contact us concerned about an email they have received directly from the Spanish Tax Authority (Agencia Tributaria). Or so it.. 13/03/2013

Be warned, International Fraudsters take advantage of Spanish bank clearing times Fraudsters take advantage of ambiguity in bank statements Readers have contacted us to issue a warning with allegations of scams being perpetrated by fraudsters using the slowness of the cheque clearing system to extort cash from unwary expats. If.. 01/03/2013

Be informed, property tax is calculated on the book value of property, not mid crisis prices The taxman does not understand the concept of bargain homes This is a very interesting aspect of the economic crisis and the decline in house price values, which is leaving bargain buyers with a nasty shock. The sale price of a home is one thing.. 26/02/2013

Obtaining planning permission for any works on your property is now more important than ever LOTUP, Ley de ordenación del territorio, urbanismo y paisaje (urban and landscape planning and zoning law) This article contains a lot of very sensible and practical advice for anyone in Spain relating to any alterations made to property mentions.. 15/02/2013

Uninsured Brits face massive medical bills if things go wrong in Spain Over-55s risk huge medical bills by failing to take out comprehensive holiday insurance The British Embassy have issued a statement asking all of those who have friends or family visiting to make sure they take out adequate travel insurance before.. 13/02/2013

Be aware of changes to the law when making large cash transactions in Spain Cash limits on transactions Changes in the law continue to come thick and fast in an attempt to generate revenue. One of the most recently implemented measures as part of the Anti-Fraud laws is the cap on cash payments. At first glance, this can seem.. 18/01/2013

Spanish gas scams: the facts Gas inspectors, is this a scam? A local reader asked us to verify if the company who charged her elderly mother 140 euros for changing the gas fittings on her cooker and boiler was legitimate or if she had been ripped off by unscrupulous.. 12/12/2012

Your queries: what is the law regarding transportation of gas bottles? It is completely illegal to put gas bottles on the back seat of the car. No matter how many hours we put into researching and writing articles, ( gas scammers the facts) there’s always the “expat factor” to consider, and someone manages.. 07/12/2012

Failure to pay imputed income tax on properties can result in bank embargoes The deadline of 31st December is approaching for those who have to pay imputed income tax. Embargoes by the Tax Authority People often react with indignation when they find out they are not the only ones who can legitimately take money out of.. 29/11/2012

Your queries: What is the difference between fiscal and civil residency? What constitutes a Spanish resident, and should I pay my taxes here or in the UK? Many expats who own property here divide their time between the UK and Spain. During the boom years in Spain, there was very little genuine concern over how many expats.. 20/11/2012

Have you got visitors coming over from the UK this year? Nearly half of the Brits travelling to Spain don´t realise they will have to pay for medical costs if they don´t have travel insurance. If we based our figures on the quantity of people who came here last year, 6.5 million people could.. 18/07/2012

New Residency requirements for EU citizens living in Spain Important, Changes to Spanish Residency laws affect Spanish health cover arrangements. There has been a great deal of coverage given to the whole issue of medical care in Spain during the last few months, one of the biggest issues being the Spanish.. 17/07/2012

Registering on the PadrónRegion of Murcia, Registering on the Padrón What is the padrón? Empadronamiento (or Padrón) - a list of all the people who live in a certain town Empadronarse - the act of registering yourself on this list with your local town..

Health Provision and Insurance in Spain Healthcare in Murcia The question of whether we are entitled to receive healthcare in Spain is a complicated one, as it very much depends on the age and residency status of an individual. This attempts to clarify the system and help you..

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