Properties

Relocation Services

The one stop shop for any of your needs.

Home Search

With in-depth local knowledge and a vast network of contacts, we ensure that you find the right property at the right price, guiding you smoothly through the purchasing process.

Legal Assistance

We provide expert advice and hands-on assistance to ensure your move is successful, whether for work, retirement, or investment purposes.

Finance

Custom financial strategies for relocation and property investments.

HOLIDAY RENTALS

SELECTION OF PROPERTY to let

Frequently asked questions

Digital Nomad Visa in Spain

Spain's Digital Nomad Visa offers remote workers an exciting opportunity to live and work legally in one of Europe’s most vibrant countries. Designed for professionals who work remotely for non-Spanish companies, this visa is ideal for freelancers, entrepreneurs, and employees in the digital economy.

Who Is Eligible?

To qualify, applicants must:

• Work remotely for a company located outside of Spain or run a business serving international clients.

• Prove a stable income that meets Spain’s minimum financial requirements (usually around €2,000/month).

• Hold private health insurance valid in Spain.

Key Benefits:

1. Legal Residency: The visa grants you the right to live in Spain for up to five years, with the possibility of renewal.

2. Tax Advantages: Through the Beckham Law, eligible individuals can benefit from a flat tax rate of 24% on their Spanish income for up to six years.

3. Access to Spanish Lifestyle: Enjoy Spain’s rich culture, excellent quality of life, and world-class amenities while maintaining your career remotely.

4. Family Inclusion: Spouses and dependents can be included in your application, allowing your loved ones to join you.

How to Apply:
Applications can be submitted at a Spanish consulate in your home country or directly in Spain. Be prepared with a valid passport, proof of income, health insurance, and supporting documents about your work.

Benefits of Buying a Property in Cash vs. a Spanish Bank Mortgage

Buying in Cash:

1. Quick and Simple Process: No need for loan approvals; cash purchases are faster.

2. No Interest Payments: Save significantly by avoiding interest over the loan term.

3. Negotiation Power: Sellers may offer discounts for cash buyers as it simplifies the transaction.

4. Full Ownership: Immediate ownership ensures you avoid the risk of foreclosure or debt.

Buying with a Spanish Bank Mortgage:

1. Preserve Cash Flow: Keep your savings intact for other investments or emergencies.

2. Leverage Low Interest Rates: Spain offers competitive mortgage rates, making homeownership more affordable.

3. Tax Benefits: Mortgage holders can sometimes claim tax deductions, depending on circumstances.

4. Credit Building: A mortgage can help establish or improve your credit profile in Spain.

Making the Right Choice:

• Opt for cash if you prioritize simplicity, speed, and long-term savings.

• Choose a mortgage if you want to maximize liquidity and take advantage of Spain’s favorable lending terms.

Consulting with a legal and financial expert is essential to ensure your purchase aligns with your financial goals and circumstances.

N.I.E.

The NIE (Número de Identificación de Extranjero) is a unique identification number assigned to foreign nationals in Spain. It is essential for anyone planning to live, work, or do business in the country. The NIE is used for various official purposes, such as registering with local authorities, signing contracts, paying taxes, opening a bank account, and applying for healthcare or social security.

As a foreigner in Spain, you'll need an NIE for essential activities like purchasing property, setting up utility services, or getting a job. It serves as your official identification within the Spanish system, ensuring you are properly recognized by Spanish authorities and institutions.

If you're planning to reside in Spain for an extended period, obtaining an NIE is crucial to ensure smooth integration into the system and compliance with Spanish laws. It is required for legal residency applications, tax filings, and many everyday transactions. Without an NIE, you may face difficulties accessing services or fulfilling legal obligations.

CODICE FISCALE

The Codice Fiscale is an Italian tax code, similar to a Social Security number or National Insurance number in other countries. It is a unique identifier assigned to individuals, both Italian citizens and foreign residents, and is used in all dealings with Italian public authorities and other entities.

For anyone living in Italy, the Codice Fiscale is essential for a range of activities. It is required to open a bank account, sign a lease, get a job, access healthcare, and pay taxes. Whether you are buying property, registering a car, or applying for social services, the codice fiscale is necessary for your interactions with the Italian government.

Foreign nationals moving to Italy must obtain a codice fiscale shortly after arriving, as it is crucial for legal and financial matters. It can be obtained at the Agenzia delle Entrate (Revenue Agency) or at consulates abroad, and it’s often one of the first steps when settling in Italy.

detailed comparison of the different visa programs and tax regimes in Spain and Italy:

1. Beckham Law in Spain

Description:

The Beckham Law is a special tax regime for foreign workers who move to Spain. It allows them to pay a reduced tax only on the income earned in Spain, not on global income.

Requirements:

• Must not have been a tax resident in Spain for the last 10 years.

• Must be employed by a Spanish company or have a business establishment in Spain if working for a foreign company.

• Apply within the first six months of starting activity in Spain with the Spanish Tax Agency.

Benefits:

• Reduced tax rate: 24% on income earned in Spain (up to €600,000). Above this amount, the rate is 47%.

• No tax on income earned outside of Spain.

• Ideal for high earners and professional athletes.

Disadvantages:

• Does not apply to self-employed individuals or business owners in Spain.

• Only applies to employees and salary income.

2. Non-Lucrative Visa in Spain

Description:

This visa is for individuals who wish to live in Spain without working. It is ideal for retirees or people with passive income.

Requirements:

• Proof of sufficient funds to live in Spain without working (approximately €2,500-€3,000 per month).

• Private health insurance with a Spanish insurer.

• No criminal record in the last 5 years.

Benefits:

• Residence in Spain without the need to work.

• Access to healthcare in Spain and the ability to apply for permanent residency after 5 years, and citizenship

  after 10 years.

Disadvantages:

• Cannot work in Spain; you must live off savings or passive income.

• Requires demonstrable funds to support yourself without working.

3. Golden Visa (Italy)

Description:

The Golden Visa allows investors to obtain residence through a significant investment in real estate, business, or government bonds. Both countries offer this visa to encourage foreign investment.

RequiremeNts in Italy:

• Minimum investment of €500,000 in real estate, €1 million in business, or €2 million in government bonds.

• Residency for the applicant and family members.

• No work requirements; you can invest in the country without the need to work.

Benefits:

• Residence in the EU for you and your family.

• No work requirements if only making an investment.

• Possibility of citizenship after 10 years (in some cases 5 years in Spain if a long-term resident).

Disadvantages:

• High financial requirements.

• Investment must be maintained for a minimum period (usually 5 years).

4. Non-Lucrative Visa in Italy

Description:

The Non-Lucrative Visa in Italy allows individuals to reside in Italy without working, ideal for people with passive income or retirees.

Requirements:

• Proof of sufficient funds to support yourself without working (approximately €2,500-€3,000 per month).

• Private health insurance.

• Proof of residence in Italy.

Benefits:

• Residence in Italy without the need to work.

• Access to healthcare and the potential to apply for permanent residency after 5 years.

Disadvantages:

• Cannot work.

• Must demonstrate sufficient funds to live without working.