The headline yield ignores the costs
Purchase taxes, community fees, local taxes, management and void periods change the true return.
How we fix itWe build a full net-return model including all costs, tax and financing.
Spain: UK Nationals & Cross-Border
Spanish property investment: appraisal, ownership structure and tax
Know the real return, the right ownership structure and the tax before you sign for the property.
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
Sound familiar?
The problems we are usually asked to solve
A Marbella villa or an apartment in Estepona can be a superb investment, or a quietly expensive one. The difference is rarely the property itself. It is who owns it, how it is financed, how the rent is taxed and what happens on sale or inheritance. We model all of it first.
Non-resident tax is higher than expected
UK-based owners of Spanish property face annual non-resident tax obligations, even if the property is not let.
How we fix itWe calculate your annual tax position and file requirements and plan around them.
You are unsure whether to buy personally or through a company
The choice affects tax, financing, inheritance and exit, and it is hard to change later.
How we fix itWe compare personal, UK company and Spanish company ownership for your circumstances.
Holiday rental rules are tightening
Licensing and regulation of tourist lets have become stricter, creating risk for income-driven purchases.
How we fix itWe build rental licensing and compliance into the appraisal and advise on realistic income assumptions.
What you get
- Investment appraisalNet yield, cash-on-cash return, sensitivities and exit analysis.
- Ownership structure comparisonPersonal, UK company and Spanish company options with tax and succession effects.
- Non-resident and resident tax planningAnnual obligations, rental income taxation and available deductions.
- Financing strategySpanish and UK funding, currency risk and loan structure.
- Rental business accountingBookkeeping, reporting and tax compliance for let property.
- Exit and succession planningSelling, gifting and inheritance, coordinated with Spanish legal specialists.
Best suited toUK and international investors buying, holding or selling property in Marbella, Estepona, Mijas, Sotogrande, Málaga and the Costa del Sol.
The outcomeAn informed purchase, an efficient ownership structure and a tax-compliant income stream.
How it works
- MapWe establish your residence, assets, income and companies across the UK and Spain.
- PlanWe model the UK and Spanish tax and financing position and agree a plan.
- CoordinateWe work with Spanish lawyers, gestors and tax advisers to implement it.
- MaintainWe keep both sides in step with an annual review and compliance calendar.
Questions we are often asked
Is it better to own Spanish property through a company?
It depends on your residence, plans for the property and succession. A company adds cost and complexity, so it makes sense only where the benefits outweigh them.
Do I pay Spanish tax if I do not rent the property out?
Non-resident owners are generally subject to an annual tax based on the property's cadastral value even if it is not let. We confirm what applies to you.
Can you help with the purchase itself?
Property purchase requires a Spanish lawyer. We handle the financial appraisal, structuring and tax planning around it, and work with your lawyer.
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.