Blog & guides
Plain-English guides on buying, renting and living in Valencia: NIE, taxes, mortgages, neighborhoods and more.
How to transfer money from the USA or Canada to Spain for a property purchase (2026)
American and Canadian buyers face two extra layers: FATCA reporting and USD/CAD to EUR conversion. We cover the practical routes (Wise, OFX, traditional wire) and what to flag to the IRS / CRA.
How to transfer money from the UK to Spain for a property purchase (post-Brexit, 2026)
Since Brexit, the UK is a third country for Spanish banks. SWIFT works, Wise works, the FCA-regulated FX brokers work. Here is the comparison plus the HMRC angle if you stay UK tax-resident.
How to transfer money from an EU country to Spain for a property purchase
SEPA inside the eurozone is basically free and instant. Currency moves from the UK, Sweden, Switzerland and Czech Republic need an extra hop. Here is the cheapest route per source country.
How to transfer money from Russia to Spain for a property purchase (2026)
Transfers from Russia became harder after 2022, but a few legal routes still work. We cover which banks accept the wire, how to prepare AML documentation, and realistic timelines.
How to transfer money from Ukraine to Spain for a property purchase (2026)
Ukrainian buyers of Spanish property have strong advantages in 2026: EU temporary protection, functioning SWIFT links, open Spanish banks. Here are the real-world transfer routes.
Annual property taxes in Spain for non-residents (2026): IBI, IRPF, basura
Once you own a flat in Spain, you owe 3-4 yearly taxes even if you never rent it out. Real numbers for a typical 250 000 € apartment in Valencia owned by a non-resident.
Spain residency in 2026: 6 visa paths after Golden Visa was cancelled
The famous Golden Visa via property is gone since April 2025. Here are the 6 visa options that still work for foreigners who want to live in Spain in 2026, with the real income thresholds and timelines.
Mortgage for non-residents in Spain: which banks, what rates, what they actually want
Yes, foreigners without Spanish residency can get a Spanish mortgage. Banks routinely lend 60 to 70 percent of the property value. Here is the realistic playbook - banks, rates, documents and timeline - in 2026.
Total cost of buying property in Spain: ITP, notary, registry and the real number
The price on the listing is not what you actually pay. In Valencia, taxes and fees add 10 to 15 percent on top. Here is the full breakdown so you do not get surprised the day you sign at the notary.
NIE for foreigners in Spain: the full step-by-step (2026)
NIE is the Spanish tax ID that every foreigner needs to buy property, open a bank account, sign rental contracts and pay taxes. Here is exactly how to get one, with the three real paths, real costs and real timelines.
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