Mayfair, London · Costa del Sol by appointmentenquiries@valumise.co.uk

International · Spain: UK Nationals & Cross-Border

Financial and tax guidance for UK nationals in Spain.

One financial picture across two countries. The costliest mistakes for UK nationals in Spain happen in the gap between the two systems.

One working dayTypical reply time to every enquiry
Fixed feesAgreed in writing before work begins
FCCA-ledSenior, qualified oversight on every engagement
ConfidentialStrict confidentiality, NDA on request

Why it matters

One financial picture across two countries.

Living, investing or running a business in Spain while keeping UK income, companies, pensions or property creates problems neither a UK accountant nor a Spanish gestor sees in full. We coordinate both sides, so you are compliant in both countries and not overpaying in either.

Where this fits

Valumise treats value as something built in stages. Our Spain desk works across every stage, and it is designed to work alongside the others.

  1. 1FoundationsAccounting
  2. 2InsightFinance Leadership
  3. 3CapitalFundraising
  4. 4StructureTax
  5. 5RealisationCorporate Finance

Common problems

What UK nationals in Spain usually get caught out by

These are the situations we see most often across Marbella, Estepona, Mijas, Fuengirola, Málaga and Sotogrande. Each has a practical answer.

Your UK company is run from Marbella

Where a company is managed and controlled affects where it is taxed. We review governance and design arrangements that match reality.

See how we help

Your ISA and UK pensions are taxed differently

Spain does not give ISAs their UK tax shelter, and pensions follow treaty rules. We map every holding and plan how to draw and hold it.

See how we help

Spanish lenders will not read your file

Declared income and credit registers drive decisions. We prepare the evidence the way Spanish banks expect it.

See how we help

You are about to become tax resident

Residence rules, a possible special regime and UK exit steps all need planning before you arrive.

See how we help

Your Spanish property costs more than the yield suggests

Non-resident tax, rental licensing and purchase costs change the return. We model the real net figure and the right ownership structure.

See how we help

You must declare assets abroad

Spanish residents with overseas assets above thresholds must report them annually. We identify what is reportable and coordinate filing.

See how we help

How we work in Spain

Joined-up advice, locally delivered.

Spanish law requires Spanish-qualified professionals for Spanish tax filings and legal work, and rightly so. What is usually missing is someone who sees the UK and Spanish positions together and makes sure they agree.

That is our role. We lead the cross-border analysis, hold the UK side, and coordinate directly with your Spanish lawyer, gestor or tax adviser, or introduce you to one of ours. You get one plan, one set of figures and no gaps.

  • Communication in English, by email and video
  • Meetings on the Costa del Sol by appointment
  • UK accounts, filings and tax for UK companies of Spanish residents
  • Regular reviews as rules and your circumstances change

Tell us what is on your mind. We will tell you honestly how we can help.

Send a short note. A senior member of the team replies by email, normally within one working day, and every first conversation is confidential.