Financial management challenges and tips for tourism businesses in Spain
Running a tourism business in Spain isn’t like running one back home. The seasons are different, the tax rules don’t match what you’re used to, and licences can change overnight. Many expat owners only find this out the hard way — when they get a fine, can’t renew a rental licence, or realise their summer […]
Buying land in Mallorca: The essential guide
Mallorca, a Mediterranean gem, attracts over 12,000 foreign property owners. With its stunning rural landscapes and buzzing city life, the island offers endless opportunities for those seeking their dream property. However, buying land in Mallorca can be overwhelming due to its unique rules and legal requirements. This guide simplifies the process, giving you the confidence […]
The Modelo 179 – The Essential Guide
Managing vacation rentals in Spain requires more than just hosting—it demands compliance with Modelo 179, a vital tax form ensuring transparency and fair contributions. With Spain’s holiday rental market projected to reach US$3.42 billion by 2024, understanding how Modelo 179 impacts your business is more crucial than ever. Introduced in 2018, Modelo 179 aims to […]
Different Types of Mortgage Explained
Exploring mortgage options in Spain? Discover how different types of mortgage loans can align with your property goals and financial plans. When considering property ownership in Spain, understanding the types of mortgage options available is essential. Mortgages play a vital role in financing property purchases, especially as interest rates are constantly changing. Whether you’re looking […]
The Ultimate Mortgage Application Guide
Handling a mortgage application for the first time can feel daunting, but with the right guidance, it becomes your clear shot to own your dream home in Spain. Buying a home is a significant financial decision, and the mortgage application process can feel overwhelming without the right guidance. In Spain, the average mortgage amount in […]
Variable Rate Mortgages in Spain Explained
Thinking of buying property in Spain but unsure which mortgage suits you best? With fluctuating rates but the potential for significant savings, variable rate mortgages might be your answer. Variable rate mortgages are tied to market interest rates, usually the Euribor (Euro Interbank Offered Rate), meaning monthly payments can rise or fall depending on market […]
Fixed Rate Mortgages in Spain Explained
Fixed rate mortgages in Spain provide long-term financial stability, offering predictable monthly payments and shielding borrowers from market fluctuations. When considering a home purchase in Spain, understanding fixed-rate mortgages is the key to making informed financial decisions. Spain offers diverse mortgage options, but fixed-rate mortgages are increasingly popular for their stability and predictability. These loans allow borrowers […]
A Guide to Non-resident Mortgages in Spain
Owning a property in Spain is a dream for many, and non-resident mortgages make this aspiration a reality. Whether you’re drawn to the sunny beaches of Costa del Sol or the cultural vibrancy of Barcelona, Spain offers an irresistible allure for property investment. In 2022, non-residents purchased 10.8% of properties in Spain, reflecting the growing […]
A Complete Guide to Being Self-Employed in Spain
A Complete Guide to Being Self-Employed in Spain Living the dream of being self employed in Spain starts with understanding the steps to get there. From visas to taxes, this guide makes it simple so you can dive into your new journey with confidence. Did you know that over 16% of the Spanish workforce is […]
The best banks in Spain for expats and students in 2025
If you’re planning to move to Spain for work or study, choosing the right bank is an essential step in settling in. Spain has a diverse banking sector, offering everything from traditional branches to fully digital solutions. Here’s a guide to the top banks in Spain, with a mix of options that cater to the […]