Blog & guides
Plain-English guides on buying, renting and living on the Spanish coast: NIE, taxes, mortgages, Costa Blanca neighborhoods and more.
GuidesWesna GroupSpain Mortgage 2026: 3.4-4.6% Fixed, 4 Non-Resident Banks
UK base rate 4.75% in 2026, US 7%+ on a 30-year. Spanish non-resident mortgages start at 3.4% fixed. The 4 banks that lend to foreigners: Caixabank, Sabadell, BBVA, Bankinter. LTV up to 70%, 25-year terms. Full document checklist and 4-6 week processing timeline.
GuidesWesna GroupNIE Number for Property Buyers: 3 Routes, Costs, Timeline (2026)
Every foreigner buying property in Spain needs an NIE tax ID. The three ways to get one, what each costs, how long each takes, and which to choose for your situation.
GuidesWesna GroupBuy Spanish Property 2026: 9 Steps, 12% Costs, 6 Weeks
320 sun days a year on the Costa Blanca vs UK's 156 rain days. Non-residents close on a Spanish property in 6-8 weeks with 12% on top of price. NIE in 2-6 weeks, Spanish mortgage from 3.4%, lawyer + notary handled remotely via POA. The full 2026 process in 22 mins.
GuidesWesna GroupUkrainians buying property in Spain in 2026: 2,165 transactions and a path that runs through Torrevieja
Ukrainian citizens completed 2,165 property purchases in Spain in the first half of 2025 according to Idealista, the highest figure ever recorded for the country. Most of them landed on Costa Blanca. Torrevieja alone counts 10,787 registered Ukrainians on its 2026 padron. A practical guide to what makes Ukrainian buyers different, the temporary protection extension to March 2027, money transfers under NBU limits, and where the community already runs.
GuidesWesna GroupSpanish NIE 2026: €9.84 Fee, 3 Routes, 2-6 Weeks Wait
Every foreign property buyer in Spain needs a NIE before signing. Spanish National Police charges €9.84 and the legal resolution period is 5 working days. Cita previa waits run 2-6 weeks at small consulates, 6-12 weeks at London / NY / Moscow. The 3 application routes, fee, what to bring.
GuidesWesna GroupSpain Property Tax Non-Resident 2026: IBI €650+, IRNR 24%
UK council tax on a 3-bed: £1,500-£3,500/year. Spanish IBI on a typical €250k apartment: €650-€1,400/year. Plus IRNR (Modelo 210) at 19% EU / 24% non-EU. Plus basura €90-€170. The full table of 4 annual taxes a non-resident owes, even on an empty flat.
GuidesWesna GroupSpain 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.
GuidesWesna GroupHow 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.
GuidesWesna GroupHow 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.
GuidesWesna GroupHow 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.
GuidesWesna GroupHow 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.
GuidesWesna GroupHow 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.
GuidesWesna GroupMortgage 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.
GuidesWesna GroupTotal 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.
GuidesWesna GroupNIE 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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