Buyer guides
Post-Brexit
Buying property in Spain after Brexit
The 2026 reality for UK buyers: 90/180 rule, residency routes, and the 24% non-resident tax rate.
Buying
The 2026 UK buyer's checklist for Spain
Fifteen ordered steps from NIE to completion, with UK-specific timing for currency, legal and arras.
Costs
Spanish property purchase costs for UK buyers
ITP, IVA, AJD, notary and the 0.5–3% FX layer — your 12–14% completion budget broken down.
Cost of living
Cost of living: Spain vs the UK in 2026
Real deltas on utilities, groceries, transport, healthcare and property tax for a UK household.
Retirement
Retiring to Spain from the UK
State pension uprating, S1 form healthcare, non-lucrative visa and the towns UK retirees actually pick.
New build
Off-plan property in Spain for UK buyers
LOE 1/3/10 warranty regime, Article 19 bank guarantees and the payment schedule explained.
Financing
Spanish mortgages for non-resident UK buyers
60–70% LTV, FEIN 10-day rule, what banks accept from GBP income, and who pays AJD now.