Property Services
A Holding Hand
Navigating the property market in Northern Spain requires more than just a keen eye for a view; it requires a trusted network of local experts to ensure your investment is secure and your transition is seamless.
Whether you are trading the bustle of London for the green landscapes of Asturias, or relocating from North America to the rugged coastline of Gijion, having the right professional infrastructure is the difference between a stressful move and a successful new beginning.
Our Network of Local Experts
The property landscape in Spain operates with its own set of legal and structural nuances. For expatriates from the USA, Canada, and the UK, the “Property Services” arm of a relocation strategy is designed to bridge the gap between international expectations and local realities. This process begins long before the keys are handed over.
It starts with vetting reliable estate agents who understand the specific needs of foreign buyers and identifying bilingual lawyers who specialize in Spanish property law to navigate deeds, taxes, and residency requirements.
Beyond the legalities, the physical integrity of your new home is paramount. Northern Spain is known for its unique architecture—from historic stone casas to modern apartments. Engaging a qualified surveyor is a critical step in assessing structural health, especially when dealing with older properties.
Once a purchase is finalized, the focus shifts to making the space truly yours. This is where a curated network of architects, electricians, and plumbers becomes invaluable.
Trusted Professionals
Attempting to source reliable tradespeople in a new country can be daunting; however, having access to a pre-vetted directory of professionals ensures that renovations or simple maintenance tasks are handled with precision and fair pricing.
For those planning significant changes to a property, local architects can assist with the specific “licencia de obra” (building permit) processes required by Northern Spanish municipalities.
Meanwhile, certified electricians and plumbers ensure your home meets modern safety standards while respecting the traditional charm of the region.
We Remove The Risk Factor
The goal of comprehensive property services is to provide a “boots on the ground” advantage. By connecting you with a localized ecosystem of professionals, the relocation process becomes a streamlined experience.
You aren’t just buying a house; you are building a life in one of Europe’s most culturally rich regions.
With the right legal, technical, and trade support, you can focus on enjoying the Atlantic breeze and the world-class gastronomy of your new home, confident that every detail of your property is in expert hands.
Introduction to Morgtage Brokers
Securing Your Property Mortgage in Northern Spain
Navigating the Spanish mortgage market requires expert local insight, especially for buyers from the UK, USA, and Canada.
Generally, non-residents can secure a Loan-to-Value (LTV) of 60% to 70%, meaning you should prepare a 30% to 40% deposit.
Our relocation service streamlines this process by connecting you with specialized lenders familiar with international income profiles.
We assist with essential prerequisites, including obtaining your NIE (tax ID) and opening a Spanish bank account.
From choosing between fixed, variable, or mixed rates to managing the mandatory notary transparency session, we ensure your financing is structured correctly for a seamless property purchase in beautiful Northern Spain.
Introduction to Insurance Specialists
Navigating the Spanish insurance market is a critical step for expats from the USA, Canada, and the UK. Whether you require private health insurance to meet Visa requirements, motor insurance for your new life on the road, or mortgage protection for a home in the North, local compliance is key.
Our relocation services simplify this process, connecting you with reputable providers to ensure your coverage is seamless and legally sound.
We bridge the gap between international expectations and Spanish regulations, securing tailored policies that protect your assets and your family.
Let us handle the paperwork so you can enjoy the peace of mind you deserve.
FREQUENTLY ASKED QUESTIONS
Are you a real estate agent?
No. We are not real estate agents and we don’t represent sellers or landlords.
We work exclusively for you, the client, as an independent relocation consultant and buyer’s agent. This means our advice is unbiased and focused entirely on your relocation and long-term needs.
What exactly does a relocation and buyer’s agent do?
We act as your local advocate and guide throughout your move to Northern Spain. Support can include:
- Area and lifestyle guidance
- Property searches (rental or purchase)
- Viewing coordination and negotiation
- Legal and administrative guidance
- Introductions to trusted professionals such as lawyers and tax advisors
- On-the-ground support during arrival and settling in
You choose the level of support from strategic guidance to full end-to-end
Are you compensated by the selling agent?
NO. We work exclusively for you
How do your fees work?
All services are offered on a transparent, client-paid fee basis.
Depending on the service, this may be a fixed fee, project-based fee. All fees are agreed in advance, with no hidden commissions.
Legal & Administrative
What is a NIE and when do I need it?
A NIE (Número de Identidad de Extranjero) is your foreigner identification number in Spain.
You will need it for most administrative and financial matters, including renting or buying property, opening a bank account, setting up utilities, and paying taxes.
What’s the difference between a T.I.E and EU residency?
EU citizens register as residents and receive a green EU residency certificate.
Non-EU citizens receive a TIE card, which is a physical residency card linked to their visa or residence permit.
Both confirm legal residency but follow different application processes.
Do I need to register as a resident (empadronamiento)?
Yes. Empadronamiento is registration with your local town hall.
It is required for healthcare access, school enrolment, residency applications, and many administrative procedures even if you are not yet a tax resident.
What are my tax obligations in Spain?
Tax obligations depend on factors such as how long you spend in Spain and where your main economic interests are based.
Many people become tax residents without realising it, so early advice from a qualified tax professional is strongly recommended.
Finding Accommodation
Pet-friendly rentals – what should I know?
Pet-friendly rentals do exist, but availability can be limited. Flexibility, clear communication, and realistic expectations are essential.
What documents do landlords typically require?
This varies, but commonly includes:
Passport or ID
NIE (sometimes)
Proof of income or savings
Employment contract or pension details
Spanish bank account (often required)
How does the rental process work in Spain?
The process is less standardised than in some countries but generally follows these steps:
Property viewing
Offer and negotiation
Contract review
Payment of deposit (usually 1–2 months) and first month’s rent
Inventory check and key handover
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Tax
Health & Insurance
What are my health insurance options in Spain?
Options may include public healthcare, private health insurance, or a combination of both. Many newcomers use private insurance initially, especially during the residency process.
Is private health insurance required for residency?
In many cases, yes particularly for non-EU residents and for some EU residency applications.
How does the public healthcare system work?
Spain’s public healthcare system is excellent once you are registered. Access is usually based on residency, employment, or social security contributions and is provided through your local health centre.
Tax
Practical Moving Logistics
What should I pack versus buy in Spain?
Spain is well-supplied, and many people overestimate what they need to ship. Furniture, appliances, and household items are often easier and more cost-effective to buy locally. Sentimental or specialist items are usually what’s worth bringing.
Can I ship belongings to Spain?
Yes, but costs, paperwork, and customs requirements vary depending on your country of origin, residency status, and shipment value.
Professional advice is recommended to avoid delays or unexpected charges.
How do I transport my pet to Spain?
Pet travel requires a microchip, rabies vaccination, health certificate, and an approved carrier.
There is no quarantine for compliant pets entering from most countries, but airline rules and routes must be carefully checked.
Tax
Staying Connected
How do I get internet service, especially for remote work?
High-speed fibre internet is widely available in cities and towns and increasingly in rural areas. Availability and speeds should always be checked by exact address, not just by area.
Should I get a Spanish phone number?
Yes. A Spanish phone number is strongly recommended and is often required to open a Spanish bank account, set up utilities, sign contracts, and receive verification codes. Many clients use a dual SIM or eSIM to keep their existing number alongside a Spanish one.
How do I maintain access to my US or home-country bank accounts?
Most people keep their existing accounts and open a Spanish account for local expenses. Some banks also offer multi-currency accounts, allowing you to hold balances in both euros and US dollars. Whether this is useful depends on your personal circumstances and banking fees.
Tax
Financial Matters
Can I open a Spanish bank account before arriving?
Sometimes, but requirements vary by bank and nationality. In many cases, it is simpler to open an account once you are physically in Spain.
How do currency transfers work?
Specialist currency transfer services often offer better exchange rates and lower fees than traditional banks, particularly for larger or regular transfers.
Where can I find English-speaking tax advisors?
We can introduce you to English-speaking tax advisors experienced in working with international clients, so you can get clear and reliable guidance from the outset.
What are the Spanish Tax year dates?
The Spanish tax year for individuals and corporations is the calendar year, running from 1 January to 31 December. Income tax returns (Declaración de la Renta) for the preceding year are typically filed between early April and 30 June