Health care access after the Brexit

We are frequently asked what will happen with  Public Health care when Brexit comes for all those Brits living in Spain and to be honest nobody is sure of what would happen.

What I can certainly say is that with the actual Spanish Law, those Brits registered as residents in Spain earning less than 100.ooo€ are entitled to get health care for free, as follows:

Be careful.UK pensions are taxed in Spain.

Are you are one of those retired  residents in Spain getting  income coming from your country of origin and think that due to that you pay your taxes there, you are free of submitting any income tax in Spain? If you are in this situation I must tell that you  are not doing your things correct.

If you are tax resident  in Spain, you will be liable to pay Spanish taxes on your income and assets and will need to file a Spanish tax return.

Am I tax resident in 2 countries.. ?

One thing that Im frequently asked relates to tax residency. People living in Spain think that because they are paying their taxes back in their countries of origin, they are in peace with the tax office in Spain, but this is not truth..

You can only be treated as tax resident in one country or another, and due to this you will just pay your income tax just in one country.

“Floor clauses” in Spanish mortgage contracts: What are they? What do they mean? What can you claim?…so many questions.

I am sure you have all heard of the
infamous “floor clauses” (“cláusulas suelo”) contained in Spanish mortgage contracts. However, as much as I am sure you have heard I am just as sure that you are not entirely clear on what they are or what they entail. This confusion, which already exists in the Spanish community and more so in the foreign community, is due to huge amount of contradictory, and sometimes outright false, information spread by the media. Though I must admit this is not helped by the zigzag course taken in Spanish judicial precedent.

I hope this post will help to clarify the situation and any doubts you may have as to whether they could apply to you.

The registered surface area of a Spanish property: What am I buying?

I am sure many readers will have come across situations in Spain where the surface area of a
property registered at the Land Registry does not correspond with the reality. Up until fairly recently it was common practice, particularly in rural areas, to reduce the surface area of the property in the deed, when transferring the property, in order to pay less tax on the transfer. This has resulted in a large amount of properties, extended across the country, which are incorrectly registered in the Land Registry.

This detail is something that must be seriously considered when buying property in Spain.