How clients rate our Property Lawyers in Spain...

Advocate Abroad seeks client feedback to ensure continued high-quality service provision.
Was able to get to the point quickly with regard to my legal options in the matter. Was practical and helped me to evaluate a few paths of action.
Jess Parks
Jess Parks
02 May 2024

Buying, Selling & Dealing with Property in Spain

Are you an expat residing in Spain or on the verge of making your move?

The journey through the legal maze of a foreign country can be daunting, more so when it's about securing a property, sorting out visas, handling administrative chores, or ensuring tax compliance.

That's where having reliable and knowledgeable English-speaking property lawyers in Spain becomes essential.

Moreover, our property lawyers are registered and regulated by the Spanish Bar Associations, giving you peace of mind that your case is in capable hands. Our lawyers also have a proven track record of successful cases, with published positive customer testimonials from satisfied clients.

Buying, Selling & Dealing with Property in Spain
Our Lawyers dealing with Buying, Selling & Dealing with Property in Spain

Our Property Law Services in Spain

All Property Law Articles

Buying Property in Spain in 2024? Market Trends & Legal Advice Before you Start!

Are you an English-speaker thinking of buying property in Spain in 2024?If so, you're not alone. In 2023 alone, more than 87,000 properties were purchased in Spain by foreign buyers. This represented 15% of the total number of conveyances that took place, up from 13.7% the previous year.If you've begun to do some research, it is... Read More

Best Places to Buy in Spain

The Spanish Real Estate MarketWhile the motivation for most foreign buyers of Spanish property tends to come about as a result of having visited Spain as a holiday destination on one or more occasions, and had a wonderful experience, if you really want to buy property in Spain, then you need to take off the holiday sombrero and ... Read More

Breaking Down the Mortgage in Spain: What You Need to Know Before You Buy property

The decision to pursue a mortgage in Spain can be both exciting and challenging, as there are various pros and cons to consider before diving into this process to facilitate buying a house in Spain. On the positive side, Spain offers a favourable mortgage market for foreigners, including non-residents, with relatively low intere... Read More

Selling Spanish Property? What You Need to Know Beforehand

Many of the articles in this section of the website deal with buying property in Spain, however, what if you are planning on selling property in Spain, this guide will cover the main points that you need to consider – from estate agents to lawyers in Spain and from taxes to utility bills.Advertising the Property in SpainAnyone... Read More

Buying After Brexit? A Property Purchase Guide for UK Citizens

Despite Brexit and general real estate market volatility, UK citizens continue to show interest in the Spanish property market. Some wish to buy property in order to enjoy holidays in Spain, or they may be buying a property in Spain in order to obtain the right to work and live in this country. Either way, it is important to und... Read More

Buy Land & Build a Property in Spain

Not everyone moving to Spain plans on simply buying an existing property. More and more often, we find clients asking about buying land to build a property - often in more rural areas of Spain. This is probably a result of two factors: the rising costs of property in Spain, and a more mature market that attracts a wider range of... Read More

Property Tax in Spain: Discover the full cost of moving to Spain

An introduction to Spanish Property TaxWhen moving to Spain from the UK and either becoming a resident or remaining non-resident, there are taxes that must be taken into account, depending on the region and autonomous community you plan to settle in.In this article we will explain the types of property tax in Spain due when owni... Read More

Pitfalls of Property Purchases in Spain: the 10 most costly!

While many countries have similar protections in place for legal conveyancing matters, the apparently minor pitfalls of buying  property in Spain can really cause the most awful damage to an individual's finances with ongoing costs that can last for years.And so, to help avoid such a catastrophic outcome, below we highlight spe... Read More

Buying property abroad in the era of higher interest rates

With the increase in globalisation and more people travelling than ever before, buying property abroad has become an increasingly popular option. International Property organisations have reported a steady rise in overseas property purchases over the past decade.This surge in popularity has been driven by factors such as lower i... Read More

Buy to let Spain: the Pros and Cons

When an investor is buying property to let in the UK or Ireland, often their objective is to invest (with the help of rental income) over the long term in a capital asset, which, in the recent past, has risen in value year-on-year, such that it provides a profit and, perhaps, a pension for the investor.While this is entirely pos... Read More

How to discover gems in the Spanish Property Market

Just as in other european countries, the Spanish property market appears to be taking pause, after eight years of continuous price increases.On the one hand we have rising interest rates, which look set to continue doing so. On the other, inflation has cooled quite considerably, and certainly to a much greater extent than the Eu... Read More

Spanish Property Laws and their effect on Expats

If you are an expat interested in buying Spanish property, it is useful to have a general understanding of Spanish property laws, to ensure you avoid making a poor investment.Of course, to describe the property laws of any country could fill volumes, so here we shall restrict ourselves to discussing the new Housing Law introduce... Read More

Evictions in Spain - A Guide for Landlords

The legal options open to landlords in Spain who need to evict squatters or tenants for non-payment of the rent have traditionally been complex, expensive and, as a result frustrating. Indeed, legal proceedings for an eviction in Spain are probably even more difficult today as a result of Spain's new eviction laws introduced in... Read More

Buying Property in Barcelona in 2024? District Prices & Legal Advice

Barcelona is a magnificent city which, as a result of its climate, culture, food, architecture, location by the sea - not to mention being within 90 minutes drive of snow resorts in the Pyrenees, has attracted many foreign citizens to make it their home.However, as a lawyer who helps foreign citizens to buy property in Barcelona... Read More

Tips and Tricks if Buying a House in Valencia

Valencia is nowadays considered one of the best places to buy in Spain and accordingly, it is no surprise that demand for property in the Valencia region has been increasing steadily over recent years - perhaps a reflection of the increasing interest in the region's Capital City as the perfect balance offering city conveniences ... Read More

Buying a Property in Tenerife

If you are relocating to Spain and you choose Tenerife as your ideal location, you should research the matter thoroughly before arrival on the island. A common misconception made by first-time buyers is that the purchasing process is the same in Tenerife as in their home country. This can often lead to mistakes that either cause... Read More

Buying Property in Ibiza

Depending on the person you speak to, you will hear many suggestions on the best places to buy in Spain. Everyone is entitled to an opinion, however Ibiza has a lot to offer - especially for those who are considering renting out the property to holidaymakers, in order to help repayment of a mortgage taken out to finance the purc... Read More

Buying Property in Lanzarote? Apply these 4 checks before you do

Having assisted clients for more than 15 years in Lanzarote, I have seen the rise in popularity of the island among northern Europeans. Perhaps it is the year-round mild weather and the relative value of the property here. In any case, it is clear that Lanzarote is now considered one of the best places to buy in Spain. However,... Read More

Buying Property in Gran Canaria

Planning Laws to Protect the Tourism IndustryOver the last decade, various laws have been brought in to protect the tourist industry in Gran Canaria - potentially to the detriment of the Gran Canaria property market. However, many of these laws did not have the impact hoped for, since in order to be effective, they required a le... Read More

Renting in Spain

Renting in Spain is regulated by the Ley de Arrendamiento Urbano (LAU 29/1994) and has been updated by Law 12/2023 which has introduced a swathe of important new rental laws in Spain.In Spain the leasing of a property for residential purposes is distinguished from other types of leases - such as rental of commercial property, fo... Read More

Dummies guide to investing in Spanish Property

 Thinking about buying Spanish property? Below are 8 steps to follow to help you avoid any serious problems when doing so. It will also help you to reduce the long-term costs of buying property in Spain. Expert English-speaking lawyers with ample experience in buying and selling Spanish property have put together this brief bu... Read More

Buying a Property in Galicia

 While most northern-Europeans buying real estate in Spain are more likely to focus on the sunnier, hotter parts of the country, some consider the extremes of heat, found in the South and East of Spain too much. Galicia is located in the north of the country and is well-known in Spain for its gastronomy, astonishing landscapes... Read More

Property Taxes in Cantabria

Read More

Buying a House in Ibiza - beware illegally built properties

 Depending on the person you speak to, you will hear many suggestions on the best places to buy in Spain. Everyone is entitled to an opinion, however Ibiza has a lot to offer - especially for those who are considering renting out the property to holidaymakers, in order to help repayment of a mortgage taken out to finance the pu... Read More

Property Taxes in Galicia

Are you buying a property in Spain, specifically in Galicia? If so, feel free to browse and/or download this presentation about Property Taxes in Galicia, provided by our tax experts in Galicia, Spain. You might also be interested in more detailed information on property tax in Spain.  ... Read More

Property Taxes in Andalucia

Are you buying a house in Spain, specifically in Andalucia? If so, feel free to browse and/or download this presentation about Property Taxes in Andalucia, provided by our tax experts in Andalucia, Spain. You might also be interested in more detailed information on property tax in Spain.  ... Read More

Property Taxes in Valencia

Are you buying a house in Valencia, Spain? If so, feel free to browse and/or download this presentation about Property Taxes in Valencia, provided by our tax experts in Valencia, Spain. You might also be interested in more detailed information on property tax in Spain. ... Read More

Property Taxes in Murcia

Are you buying Spanish property, specifically in Murcia? If so, feel free to browse and/or download this presentation about Property Taxes in Murcia, provided by our tax experts in Murcia, Spain. You might also be interested in more detailed information on property tax in Spain.  ... Read More

Property Taxes in Madrid

Are you buying Spanish property, specifically in Madrid? If so, feel free to browse and/or download this presentation about Property Taxes in Madrid, provided by our tax experts in Madrid, Spain. You might also be interested in more detailed information on property tax in Spain.... Read More

Property Taxes in Mallorca

Are you buying property in Mallorca? If so, feel free to browse and/or download this presentation about Property Taxes in Mallorca, provided by our tax experts in Mallorca, Spain. You might also be interested in more detailed information on property tax in Spain. ... Read More

Property Taxes in Ibiza

Feel free to browse and/or download this presentation about Property Taxes in Ibiza, from our Tax expert English speaking lawyers in Ibiza, Spain. You might be interested as well in this read buying a house in Spain and/or buying a house in Ibiza.... Read More

Property Taxes in the Canary Islands

The Canary Islands continue to maintain their popularity for those seeking to escape the gloomy northern-European climate and sway it for year-round good weather.  Whether buying property in Tenerife, buying property in Lanzarote or buying property in Gran Canaria, it is vital to understand the fiscal obligations you will face... Read More

Property Taxes in Asturias

 Feel free to browse and/or download this presentation about Property Taxes in Asturias, from our English speaking lawyers in Asturias, Spain. You might be interested as well in this read: Guide to buying property.... Read More

Property Taxes in Catalonia

Are you buying property in Barcelona? If so, feel free to browse and/or download this presentation about Property Taxes in Cataluña, provided by our tax experts in Barcelona, Spain. You might also be interested in more detailed information on property tax in Spain. ... Read More

Property Taxes in Aragón

Read More

Property Taxes Alicante

Feel free to browse and/or download this presentation about Property Taxes Alicante, from our English speaking lawyers in Alicante, Spain. You might be interested as well in this read: Guide to buying Spanish property.... Read More

Buying a House in Tenerife

If you are relocating to Spain and you choose Tenerife as your ideal location, you should research the matter thoroughly before arrival on the island. Whether you are seeking a property in the coastal areas of Tenerife or if you want to enjoy the diversity of large cities (Santa Cruz de Tenerife), the steps to follow are not alw... Read More

Other services You might need!

We'll remember any service selected here and submit it together with your main enquiry!
When relocating abroad you'll likely need a range of professional services. Get assistance in English from our Official Partners...
Architectural Services
Your Local Experts
Change of Property Use Service
Change of Property Use Service

Who Is This Service For?

Change of Property Use

Enterprising property investors seek to purchase property that is currently used for another purpose – typically as an office or industrial unit – and then change its use to that of residential.

Such changes of use are possible though they are heavily regulated and you will need the assistance of a local architect to navigate the applicable planning laws before making an investment of this type. Investment without seeking such guidance would be extremely dangerous and could easily see an investor lose a great deal of money.

Upon a successful application, the architect may be instructed to draw-up plans for any required modifications and the appointment of local builders and tradesmen to complete the work.

What Does This Service Consist Of?

  • Technical advice prior to any change of use application
  • Review of local planning regulations
  • Visit to site with assessment
  • Analysis and professional opinion
  • Formal application undertaken on behalf of client
  • Planning department’s decision obtained and explained
Add a Change of Property Use quote to your legal or tax enquiry?
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Energy Certificate Service
Energy Certificate Service

Who Is This Service For?

Energy Certificate

Anyone who wishes to sell or rent out a property in Spain must have a valid Energy Certificate. 

This certificate contains information about the orientation, structure, energy and lighting systems of the property and to what extent it conforms to current energy ratings, with an energy classification of A (most efficient) to G (least efficient) 

The Certificate has a validity of 10 years, though if any material changes are made to a property, the Certificate should be updated. This might include changing the windows or the heating system. 

Failure to possess a valid certificate when selling or renting a property will incur a fine of between 300€ - 600€.

What Does This Service Consist Of?

  • Initial contact with a technical architect to arrange an appointment for a technical visit to the property
  • The technical architect will visit the property and then feed the details of the visit into a state technical database
  • The Certificate is issued with an overall Energy rating and recommendations for improvements
Add a Energy Certificate quote to your legal or tax enquiry?
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Get an Engineers Report (Commercial Property)
Get an Engineers Report (Commercial Property)

Who Is This Service For?

Engineers Report (Commercial Property)

Before proceeding with the acquisition of premises for business or commercial purposes, it is vital to ensure that they are suitable for the activity that you propose, and a legal requirement to obtain a ‘Commercial Activity License’.

Local zoning laws and health and safety regulations regulate what types of commercial activity may take place in particular zones of towns and cities, and also any adjustments or renovations that need to take place before the premises are suitable for the activity proposed.

Once you begin to undertake the commercial activity, you may be inspected at any time and be required to produce a valid licence certificate.

What Does This Service Consist Of?

The process for obtaining the commercial activity licence begins with a Technical Project Report carried-out by a suitably qualified architect or technical architect or engineer. The method of drafting the report will vary according to the commercial activity proposed and the premises in which they take place, but broadly speaking, it involves:

  • Discussion with the architect about the business project envisaged by the business owner
  • Architect visits the premises
  • Architect compiles the report 
  • Report submitted to the relevant authorities
  • Licence Issued
Add a Engineers Report (Commercial Property) quote to your legal or tax enquiry?
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New Build Projects
New Build Projects

Who Is This Service For?

New Build Projects

Sometimes we find the ideal place to live. The only problem is that there's no property that suits or that is available! In which case, the only option apart from waiting for a suitable property to become available is to build a new home from scratch. This is ideal for those who have a clear idea of what they want, yet are unable to find it among second-hand properties in the area they want to live

What Does This Service Consist Of?

  • Initial consultation with an experienced English-speaking Architect to discuss plans and including expert advice on design, use of space, materials and compliance with planning regulations
  • Visit to site with assessment
  • Drawing-up formal plans
  • Visit to site with assessment
  • Making formal submission to obtain planning-permission
  • Management and co-ordination of the building works including employment of local builders and tradesmen
  • Project Certification
Add a New Build Projects quote to your legal or tax enquiry?
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Planning Application/Consultation Service
Planning Application/Consultation Service

Who Is This Service For?

Planning Application/Consultation

Regardless of the size of your project - be it a simple extension or a multi-property urbanisations, you will need to obtain the requisite planning permission from the local authority in Spain. 

Our lawyers and architects have a wealth of experience in making such applications and are available to assist English-speakers from the beginning through to the successful conclusion of any size project.

What Does This Service Consist Of?

  • Initial consultation to discuss plans and including expert advice on use of space, materials and compliance with planning regulations
  • Visit to site with assessment
  • Drawing-up formal plans
  • Making formal application for planning-permission where required
Add a Planning Application/Consultation quote to your legal or tax enquiry?
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Property Survey Structural Report Service
Property Survey Structural Report Service

Who Is This Service For?

Property Survey Structural Report

Anyone purchasing a property of any size is strongly advised to obtain a technical survey on the property. Often those buying property abroad are cash buyers and, as a result, are not required to obtain a survey of the property before purchase. Many don’t bother. We feel that this is a major error, since a survey could save you a huge amount of money in expensive repairs later on, and potentially allow you to renegotiate the property purchase.

Even if buying with a mortgage, any survey required by the bank will only include a valuation as well as any obvious and serious defects that would affect said valuation. Arranging a private survey provides much more information and will provide you with the information you need to be confident about the investment you are making in a foreign country. Quite simply one of the most important investments you can make regarding property!

What Does This Service Consist Of?

  • Initial consultation to discuss different surveys available: condition report, building survey or structural survey
  • Visit to property and compilation of report
  • Delivery of report in your language
  • Follow-up discussion as required to answer any additional questions you may have
Add a Property Survey Structural Report quote to your legal or tax enquiry?
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Refurbishments & Extensions Service
Refurbishments & Extensions Service

Who Is This Service For?

Refurbishments & Extensions

Current homeowners and those planning to invest in a second-hand property may wish to extend or upgrade the property. Indeed it is often the case that buyers acquire a property on the basis that they will be able to extend or refurbish the property to make it suitable for their purposes.

Property extensions will in most cases require planning approval and the assistance of a local architect to whom you can convey your plans and obtain expert advice on the viability of those plans.

What Does This Service Consist Of?

  • Initial consultation to discuss plans and including expert advice on use of space, materials and compliance with planning regulations
  • Visit to site with assessment
  • Drawing-up formal plans
  • Making formal application for planning-permission where required
  • Management of project, engagement of builders and other tradesmen
  • Post-project Certification
Add a Refurbishments & Extensions quote to your legal or tax enquiry?
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Regularisation of Property Service
Regularisation of Property Service

Who Is This Service For?

Regularisation of Property

Often a property is acquired only to discover that one or a number of elements of the property are legally 'deficient'. Typical examples might be an extension to the property added by a previous owner a or swimming-pool for which appropriate planning permission was never sought.

Normally any such irregularities would be discovered upon legal due-diligence by a conveyancing solicitor. Other types of deficiency range from procedural to technical and may be simple to rectify or rather more complex, depending on the specific problem at hand. 

What Does This Service Consist Of?

  • Initial consultation with an experienced English-speaking architect to determine the gravity of the problem and the best solution
  • Depending on the recommended solution, the architect will make submissions on your behalf to the relevant local authority board or tribunal or may engage a solicitor if required
  • Representation throught the regularisation process, with the new title registered with the appropriate registry
Add a Regularisation of Property quote to your legal or tax enquiry?
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Currency Exchange
Currency Exchange

Benefits of this Service

Currency Exchange

Every year we help thousands of individuals save money on their foreign currency payments for property purchase, emigration, overseas mortgage repayments, etc.

If you make or receive payments in a foreign currency, we could save you a great deal of money and make your currency transfers simple.

We guarantee much better exchange rates than the ‘tourist rates’ you would normally get from your bank and can save you up to 6% on currency transfers typically saving you £5,000 on a £100,000 transfer.

A is for Account:

Open a free account with us - Your account can be opened the very same day and you will be assigned a dedicated account manager.

B is for Better Rates:

Your account manager will keep you informed on currency market movements and get the best exchange rate for you at the time. Once agreed, this rate is then guaranteed for you.

C is for Currency Transfer:

Once you have paid for your currency we will immediately transfer the money to the bank account specified by you, anywhere in the world.

 

Benefits at a Glance

  • Highly competitive exchange rates
  • Quick and easy same-day transfers
  • Free tailored service with our currency experts
  • Dedicated Relationship manager
  • Safe & Secure transfers
  • Authorised by the Financial Conduct Authority
Add a Currency Exchange quote to your legal or tax enquiry?
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Estate Agents
Your Local Experts
Estate Agency Services

Who Can Benefit from this Service?

Estate Agency Services

This service is tailored for expats relocating to Spain who want expert assistance in navigating the Spanish property market. 

The real estate market in Spain has evolved a great deal in the last 15 years, because buyers have become more diverse and are no longer simply looking for a sunny retirement home or holiday villa - though these are still the most sought after properties.

As the work-from-home concept has taken root, more and more people from Northern Europe are considering a permanent move to Spain, and its year round sunshine.

So, whether you are looking for a holiday home or a permanent residence, our English-speaking estate agency partners around Spain will help to simplify your transition with their expert knowledge of local market dynamics.

Benefits - Why Choose Our Service

  • Personalized Property Search: Tailored options that match your specific needs, preferences, and budget.
  • Legal and Financial Guidance: Expert advice on Spanish property laws, tax implications, and financial considerations via Advocate Abroad's lawyers
  • Language Support: Overcome language barriers with our multilingual estate agents.
  • Local Market Insight: In-depth knowledge of various Spanish regions, ensuring you find the right location.
  • Assistance with Paperwork: Help with all necessary documentation, from initial offers to final contracts.
  • After-Sale Support: Ongoing assistance with settling in, including utilities setup and local recommendations.
Add a Estate Agency Services quote to your legal or tax enquiry?
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Financial Advisors
Your Local Expert
Retirement planning Service
Retirement planning Service

Who Is This Service For?

Retirement planning

Imagine that you are retiring tomorrow? How much money would you like to or need to write yourself a cheque for to ensure that you will have enough in the bank to last you, your spouse and possibly even your family for one year in retirement? One of the most fundamental issues for you to think about when deciding on your financial planning options is to make sure that you are preparing for your retirement sufficiently and appropriately. Many expatriates do not get ahead in the retirement race by saving hard as they are scared of this approach encroaching on their standard of living today. However, with careful planning it is easy to get ahead without hindering your current lifestyle.

What Does This Service Consist Of?

  • Initial discussion to determine your retirement goals and current circumstances
  • Free Report and recommendation sent via email
  • This will include a step by step guide as to the best course of action
  • Follow up discussion to explain the detail and answer any initial questions
  • Ongoing support and wealth management
Add a Retirement planning quote to your legal or tax enquiry?
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Get Savings & Investment Advice
Get Savings & Investment Advice

Who Is This Service For?

Savings & Investment Advice

We know it is very easy to fall in to the ‘live for today’ mindset and not plan for the future when you’re living overseas. 

Thus, we have devised this simple, step by step report to show you how to take your financial future seriously, and avoid being one of those expatriates who return home with nothing more than a mass of photos and memories - and perhaps even debt!

Benefits - Why Choose Our Service

  • Initial discussion to determine your investment goals and current circumstances
  • Free Report and recommendation sent via email, including a brochure for the recommended provider
  • Follow-up discussion to explain the detail and answer any initial questions
  • Apply for the investment and complete necessary paperwork and ID requirements
  • Ongoing support and wealth management
Add a Savings & Investment Advice quote to your legal or tax enquiry?
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Succession Planning Service
Succession Planning Service

Who Is This Service For?

Succession Planning

Your previous financial adviser in your country of origin may not be able to introduce you to the potential tax saving and financially enhancing opportunities available in your new country of residence.

Furthermore, only suitably qualified financial advisors are able to understand your unique expatriate status, how that relates to any tax saving potential in the nation in which you are residing, and how you need to structure your affairs appropriately in case you should ever want to repatriate or relocate elsewhere. 

Planned correctly, a move to another country, including back to the UK, can have some very special future tax advantages.

What Does This Service Consist Of?

  • Initial discussion to determine your tax liability and current circumstances
  • Free Report and recommendation sent via email including advice on how to minimise succession taxes
  • Follow-up discussion to explain the detail and answer any initial questions
  • Ongoing support and wealth management
Add a Succession Planning quote to your legal or tax enquiry?
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Insurance Services
Get Dental Insurance
Get Dental Insurance

What Does This Service Consist Of?

Dental Insurance

Introducing Our Dental Insurance Policy: 
Smile with Confidence

 

 

 

 

Kids Go Free: 
Children under 14 are covered at no cost when an adult is insured.

Unique Coverage in the Market: 
In the event of an accident resulting in the loss or fracture of more than 3 dental pieces, we provide up to 6,000 euros for you to choose the dentist of your preference, both within and outside our dental network.

Extensive Network: 
Access care through our network of 1,469 contracted dental clinics and 2,713 professionals.

Comprehensive Care: 
Enjoy over 57 free dental procedures and treatments to safeguard your smile, including dental cleanings, X-rays, extractions, and more.

Exclusive Discounts: 
Receive up to a 40% discount on all other treatments compared to market prices.

Specialized Medical Expertise: 
Benefit from the widest range of specialized medical consultations available in the market.

24/7 Second Medical Opinion: 
Gain peace of mind with access to a second medical opinion within 24 hours for serious illnesses.

Access to DKV Club Salud y Bienestar: 
Unlock exclusive discounts and benefits through our health and wellness club.

Choose our dental insurance policy for comprehensive coverage, exceptional benefits, and the assurance of a healthy, radiant smile for you and your family.

Add a Dental Insurance quote to your legal or tax enquiry?
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Get Health Insurance
Get Health Insurance

What Does This Service Consist Of?

Health Insurance

We understand the unique needs of expats living in Spain. That's why we offer more than just insurance – we provide tailored health coverage designed to give you peace of mind and clarity, no matter where life takes you.

 

 

Personalized Assistance: Request a quote today and our dedicated team will guide you through all the details, ensuring you have a clear understanding of your coverage, including any exemptions, limits, or optional deductibles.

Expat-Friendly Services: Our policies are crafted with the international resident in mind, offering English-speaking support teams, documentation, and consultants to ensure you feel confident and informed, even in a foreign country.

Flexible Options: Whether you're starting a new chapter in Spain or already established here, our health insurance plans are adaptable to your needs, providing comprehensive coverage for individuals of all ages, including expats over 75.

Extensive Network: Gain access to a vast network of over 51,000 medical professionals and 1,000 centers, renowned for their expertise and commitment to excellence in healthcare.

Comprehensive Care: From routine check-ups and primary care services to specialized treatments such as radiology, chemotherapy, and physiotherapy, our policy covers a wide range of medical needs to keep you healthy and thriving.

Hospital Support: Enjoy peace of mind knowing that our policy includes comprehensive hospital services, including surgical interventions, ICU stays, childbirth assistance, and comfortable accommodations for you and your loved ones.

Medical Hotlines: Access round-the-clock medical support with our specialized telephone lines, including 24-hour doctor consultations and expert guidance on women's health, pregnancy, and psychological well-being.

Global Assistance: Travel confidently with our worldwide emergency assistance services, providing generous coverage limits and support wherever your adventures may take you.

Dental Benefits: Take care of your oral health with coverage for dental consultations, cleanings, and diagnosis, plus discounts on additional services to keep your smile shining bright.

Lifelong Security: Rest assured with our lifelong policy guarantee following the third renewal, offering continuity and stability in your healthcare coverage as you navigate life in Spain.

Please note that certain services may have minimum waiting periods before they become available, ensuring fairness and sustainability for all policyholders.

Choose our health insurance policy tailored for expats in Spain and embark on your journey with confidence, knowing your health and well-being are in trusted hands.

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Get Home insurance
Get Home insurance

Benefits - Why Choose Our Service

Home insurance

Introducing DKV EcoHome, the first eco-friendly home insurance. Not only does it safeguard and nurture your home, but it also alerts you to weather phenomena predicted by the State Meteorological Agency. Receive an SMS notification 24 hours prior to the event if your home's postal code may be affected.

Our Range of Home Insurance Options include the following:

  • Fire Coverage: Ideal for meeting basic legal requirements for mortgage purposes.
  • Basic Plan: Protects against essential risks at a competitive price.
  • Comprehensive Coverage: A wide array of protections for your home.
  • Plus Plan: State-of-the-art insurance offering extensive guarantees and coverage limits.

Our policies cover the insured and their family against risks to their home and its contents, as well as damages to third parties. Enjoy up to a 10% no-claims bonus and coverage for the civil liability of adult children living in the insured property.

Whether it's a traditional residence or a luxurious villa, we've got you covered.

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Need Life Insurance in Spain?
Need Life Insurance in Spain?

Life Insurance

Experience peace of mind with our life insurance policy, ensuring that in the event of your passing from any cause, your family will continue to have income to sustain their quality of life and will receive support every step of the way.

With DKV Vida insurance, you have the flexibility to choose your payment frequency - whether monthly, quarterly, semi-annually, or annually - and the predetermined compensation in the event of a terminal illness.

In the unfortunate event of your passing, beneficiaries can request an advance of funds for funeral expenses and settlement of inheritance and gift tax.

We provide psychological assistance services for you in case of disability or serious illness and for your family members in case of your passing.

But that's not all. Our policy includes additional differentiating coverages at no extra cost:

  • Legal advice and telephonic legal assistance for everyday life inquiries.
  • Online will service with guidance from a lawyer and coverage of notary fees.
  • Medical advice through specialized helplines on topics such as pregnancy, pediatrics, women's health, nutrition, and more.
  • Second medical opinion for serious illnesses.
  • Access to DKV Club Salud y Bienestar, offering discounted medical and health services exclusively for our clients.

Choose our life insurance policy for comprehensive protection and support for you and your loved ones.

Add a Life Insurance quote to your legal or tax enquiry?
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Get Repatriation Insurance
Get Repatriation Insurance

What Does This Service Consist Of?

Repatriation Insurance

Are you an expatriate residing in Spain, seeking comprehensive protection and peace of mind? Look no further! Our premier insurance service offers a seamless solution for foreign residents, ensuring a hassle-free journey back to your homeland in times of need.

Imagine having all the necessary procedures and expenses for repatriation meticulously taken care of, including arrangements for your companion, all at no additional cost to you. That's right - we've got you covered!

Furthermore, we understand the importance of family, which is why children under 4 years old travel absolutely free with our service.

And that's just the beginning. With our innovative online will service, you can conveniently plan and update your will annually, ensuring your affairs are always in order.

 

Concerned about your digital footprint? Worry not! Our exclusive digital erasure feature ensures a seamless disappearance of your online presence, protecting your privacy and legacy.

Travel with confidence knowing that in case of a medical emergency, we've got your back with coverage of up to 18,000 euros in medical expenses. Plus, we extend your travel stay to a generous 90 days, giving you the flexibility to explore and enjoy your time abroad.

Accidents happen, even overseas. That's why we offer emergency dental expense coverage of up to 500 euros, providing you with essential care wherever you are.

But our service goes beyond the practicalities. We offer expert legal advice for your daily life, along with compassionate psychological support during challenging times like mourning and palliative care.

 

And when it comes to saying goodbye, trust us to handle every detail. Our comprehensive funeral planning service is unique in our sector and ensures your loved ones are supported in making decisions that reflect your values, providing them with peace of mind during a difficult time.

With our service, you're never alone. Our dedicated professionals provide personalized accompaniment, guiding your family every step of the way.

 

And for that extra peace of mind, upgrade to Serviplus and enjoy dental coverage with up to 47 free treatments, along with additional services at unbeatable prices. As a special bonus, all policyholders receive a complimentary yearly dental cleaning.

Don't leave your future to chance. Choose our insurance service for repatriation and embark on your journey with confidence and security.

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Mortgage Services
Apply for a Spanish Mortgage

Holiday Home Mortgages

Mortgage Service

Whether you are buying a holiday home, permanent residence or even a commercial property in Spain, it can be necessary - and even tax efficient - to arrange financing. 

Unfortunately, for many foreign buyers, this can be problematic due to:

  • Dealing with incomprehensible and unending documentation requests,
  • Overcoming issues with not having a local credit history or suffering
  • At the mercy of the banks who know they are dealing with clients who have greater difficulty to ‘shop around’
  • Overcoming the language barrier

This is where our English-speaking mortgage brokers can really make a difference by leveraging established relationships with multiple banks and lenders in Spain to negotiate favourable terms for you and secure competitive interest rates for clients.

The mortgage brokers gather and prepare the necessary documentation, which can be particularly challenging for non-residents unfamiliar with Spain's bureaucratic requirements.

Ultimately, the mortgage brokers goal is to ensure that you get a much better deal, and by reducing the overall cost of repayment of your mortgage substantially, they more than justify their fee. 

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Translation Services
Your Local Expert
Need Translation Services?

Why Translation?

Translation Services

Documents that originate from outside of Spain will need to be translated into Spanish for many different legal and administrative processes before they can be used by local authorities here.

For formal processes, you will need a Sworn or Official Translator in Spain to translate and affix their stamp to the document. An Official Translator is approved by the Spanish Ministry of Justice as having the skill to carry-out this process for any legal proceedings as well as any other process that requires a Sworn Translator.

Examples of documents you are likely to need to get translated include, but are not limited to:

  • Birth Certificates
  • Death Certificates
  • Marriage Certificates
  • Criminal Background Checks
  • Financial Accounts
  • Academic Qualifications
  • Deed Poll Name Change
  • Company documents (e.g. Articles of Association)
  • Lasting Powers of Attorney

Processes That May Require Translation Of Documents

The list is in fact potentially endless and will depend on the particular process that you need to complete in Spain. Below you will find a list of processes and the documents you may need to have translated into Spanish.

Inheritance

For inheritance proceedings it can often be necessary to arrange for translation of an official death certificate if death occurred outside of Spain, unless an International Death Certificate has been issued. Also, if only a non-Spanish Will is in existence, this may well need to be translated also.

Divorce Proceedings

If a couple were married in the UK or other non-Spanish speaking jurisdiction, and they have children born there, it will be necessary to have the marriage certificate as well as the birth certificates of any children born outside Spain translated. Furthermore, any other documentation relating to assets abroad may need to be translated.

Property Purchase

If a mortgage is required in Spain, it may well be necessary to justify your income, and should you be self-employed/business owner, then it may be necessary to have previous year's financial accounts translated to Spanish so that the bank may approve an application.

Immigration

Health insurance covering the duration of your stay in Spain is necessary. The terms and conditions of such insurance are may need to be translated. Also, any economic means (pensions or any other income) by which you might prove that you can afford to stay in the country, will need to be translated.

Enforcement Of A Foreign Court Order Or Judgment

Depending on the nature of the Court Order or Judgment that you have obtained in a foreign country, in order to have it enforced in Spain you may be required to follow the legal proceedings of 'Exequatur' which will require you to produce a translation of the original Court decision, carried-out by a Sworn or Official translator.

Languages We Deal With

Our team of official translators are able to deal with many languages, though most popular would be English, German, French, Dutch and Russian.

Next-day Service

Translations of documents will be returned the next working day, as long as the documents are sent before 2pm.

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