Spanish Mortgage Rates update 2020

Spanish Mortgage Rates update 2020

At Spectrum International Mortgages we do an annual update on the rate development in Spain. We do this every year in February and this year will be no different. As ever, the rates we mention are based on the market at the moment of publishing and we cannot guarantee...

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Spanish Tax Guide

Spanish Tax Guide

Our tax guides are written by our advisers who both live and work in the relevant country. They highlight key tax issues affecting expatriates moving to or living in Spain The guides will help you understand the local tax residency rules and local taxes on income,...

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The new mortgage law in Spain – 10 highlights

The new mortgage law in Spain – 10 highlights

After roughly 2 years delay, the new mortgage law has been approved and should come into effect by June 2019. But what does it mean and how will it affect mortgages in Spain? In this article, I will cover what I believe to be the 10 main aspects of the new...

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Real Estate and Mortgages in Spain

Real Estate and Mortgages in Spain

The past year, according to real estate professionals, was a record breaker. In terms of property sales, mortgages processed and property price increases, the numbers haven’t been this healthy since before the crash in 2008

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Balearic Islands’ Holiday Rental Law amendments

Balearic Islands’ Holiday Rental Law amendments

The matter of holiday homes on the islands has always been a controversial one. This latest move and escalation in efforts to crack down on home-sharing sites such as Airbnb by city councils or local authorities in Spain, is triggered in part by lobbying from the...

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Yacht Crew Mortgages in Spain

Yacht Crew Mortgages in Spain

At Spectrum Mortgages in Spain we deal with a large number of yacht crew mortgages and therefore we are used to dealing with the challenges and the questions that arise when yacht crew apply for a mortgage in Spain. In this article, we aim to address the typical...

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Refurbishment Mortgage in Spain

Refurbishment Mortgage in Spain

At Spectrum Mortgages in Spain, we have observed an increasing interest in properties that need complete refurbishment and thus the mortgages to be had in this context. As with new builds, this is an interesting option from an investment perspective but the mortgage...

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Mortgages: Building your Home in Spain

Mortgages: Building your Home in Spain

At Spectrum Mortgages in Spain, we experience an increasing amount of enquiries regarding building a house in Spain. This is an interesting option from an investment perspective but the mortgage for this type of project works quite differently than a normal mortgage....

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Rates on the rise in Spain

Rates on the rise in Spain

After a really interesting period in Spain in terms of fixed rate, long term mortgages, the banks have now decided to start increasing interest rates. Why are they doing this now? And what does it mean if you are looking at getting a mortgage in Spain within the near...

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Spanish AJD tax (Actos Juridicos Documentados)

Spanish AJD tax (Actos Juridicos Documentados)

AJD Tax: What is it and how does it work? In Spain, the process of buying a property involves quite a few costs. As an average one should expect around 10-15% of the purchase price as a cost. The costs consist of different taxes, notary fees, solicitor fees, valuation...

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