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Surviving Spain, Money, Legal and Financial matters

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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..

How much money do I need to retire in Spain? Blacktower Financial Management The burning question facing many who can’t wait to enjoy the good life in the Costas There is so much to recommend retirement life in Spain. However, the many opportunities inherent in a move to the country also bring a great many challenges. As..

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

Motor vehicle tax now payable in Cartagena Surcharges will be levied on motorists failing to pay the IVTM tax before 31st March The Town Hall of Cartagena has issued a reminder to motorists in the municipality that the motor vehicle tax known as the IVTM (Impuesto sobre Vehículos de.. 04/02/2020

Top tips from Blacktower Financial management - pension drawdown for expats Seek professional advice before engaging in a SIPP and drawdown pension strategy For all but the highest net worth individuals, a pension pot will be the most valuable retirement asset in long-term financial planning, but despite this, many retirement..

EU Property Solutions 2019 success stories helping homeowners in negative equity in the Costa Cálida EU Property Solutions continue to help expat property owners in negative equity throughout Spain As 2020 begins EU Property Solutions continue offer help to British property owners in Murcia who find themselves in negative equity or experiencing.. 09/01/2020

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..

Contact EU Property Solutions to solve increasing mortgage debt in Spain From mortgage settlements to IBI tax arrears EU Property Solutions will help you find a solution EU Property Solutions assist people who have significant mortgage arrears and/or missed community fee payments on a daily basis. Many borrowers who have..

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..

Blacktower offer advice on investment management and the future of your ISA abroad Becoming an expat means that you could lose the benefits of holding ISAs When you become an expat there are certain investments and financial products which, although beneficial when you were a UK resident, are either no longer possible to hold or no..

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

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..

EU Property Solutions offer ways out of the negative equity trap in SpainThe belief that selling in negative equity is not an option is often a mistaken one As a result of the developments in the Spanish property market over the last 15 years or so the phrases “negative equity” and “mortgage prisoner&rdquo..

5 Key retirement questions for people living in Spain Blacktower Financial Management5 Key retirement questions if living or moving to Spain If you live in Spain or are thinking of moving to Spain for your retirement, it is essential that you seek expat financial advice in order to give you the best possible chance of successfully protecting..

EU Property Solutions help navigate a path out of property-related financial stress in Spain Solutions for negative equity, deposit returns, mortgage stress and all kinds of property debt The boom and bust cycle in the Spanish property market, which was fuelled by speculative buying and construction in the early years of this century and then..

Enjoy the best of both worlds, live in Spain and work in the UK as a top quality live-in carer with The Good Care Group The Good Care Group are recruiting UK carers in south-east Spain, next recruitment drive is in Jávea on 12th September A lot of people make the move to Spain and then decide that they would really like the best of both worlds, earning a good..

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

London court ruling underlines the need for expats to seek expert financial planning advice. Blacktower FM Full and frank disclosure of cross-border assets may be demanded by HM Revenue & Customs Expat tax ruling Expat financial planning clients should be aware that HM Revenue & Customs have increased powers to ensure full disclosure of financial..

A complete range of architecture and interior design services from house extensions to bespoke beachfront villas, A&B Architects A&B Architects, Albasini y Berkhout Arquitectura in the Region of Murcia and the Costa Cálida Albasini y Berkhout Arquitectura is a multilingual and multi-faceted firm of architecture and interior design based in the city of Murcia and offering..

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

Most common investment mistakes part 2 Blacktower Financial Management (International)I have been in the business of helping people with their investments for 30 years now and time and time again I get people coming to see me with problems or losses with their investments and feeling very foolish about their investment decisions. Here are..

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

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. Harriett is your fully bilingual local Liberty Seguros agent (since 2008) and assists clients through..

Spain Axes Expat Mortgage Tax by BlacktowerSpanish property ownership is a fairly common part of many expat wealth management strategies. However, Spanish taxes have been known to present obstacles to some expats in this regard and the uptake of both home ownership and property investment in.. 18/01/2019

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..

Investing and Tax efficiency in Spain. Blacktower Financial Management Expats from the UK coming to live in Spain often have investments such as ISA’s, Tessa’s, PEP’s or some form of National Savings. Whilst living in the UK these investments offered excellent tax efficiency helping towards the growth of their..

How automatic exchange of information and the Modelo 720 could effect you. Blacktower Financial Management Many people who have move to Spain and have kept assets in the UK must declare their overseas assets each year by 31 st March for the previous year date ending 31 st December. There are 3 categories: Cash, Investments and Property. If the value of the overseas..

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

What is Pension Freedom? by Keith Littlewood DipPFS Blacktower Financial Management (International) Ltd For almost 30 years now I have worked in the pension’s industry. I started out helping people save and plan for their retirement into schemes that had certain rules and legislations and barriers to how benefits could be taken. Quite often clients..

Find peace of mind with a cost-effective and practical Avalon Funeral plansIn 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.. 18/06/2016

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..

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..

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

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

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

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Surviving Spain, Documentation, Consulate, Bureaucracy