October 21
Compiled from real user conversations across Reddit, Facebook groups, and expat forums.
Visas & residency, paperwork, healthcare, driving licences, and settling in — what movers ask first.
What visa or residency permit do we need post-Brexit (UK)?
Most Brits use the Non-Lucrative Visa (retirees/remote income), or Digital Nomad Visa (remote workers). EU/EEA citizens don’t need a visa but must register.
Can I work remotely for a foreign employer while living in Spain?
Yes, via the Digital Nomad Visa or suitable residency. Expect Spanish tax residency if spending >183 days/year.
How do I get my NIE and register locally (padrón)?
NIE via National Police/consulate; padrón at your town hall once you have an address. Both are required for most admin tasks.
Do I need private health insurance?
For many visas, yes (full coverage, no co-pays). EU retirees can often use S1. Workers contribute to Spain’s public system.
Are UK driving licences valid after Brexit?
There’s an exchange agreement: residents should swap to a Spanish licence within the allowed window.
Should we rent first or buy straight away?
Most movers rent 6–12 months to test areas, commute times, and micro-climates before buying.
Can I manage with English, or do I really need Spanish?
In expat zones, English works; for bureaucracy & deeper integration, basic Spanish is a big win.
Is it easy to bring pets and find pet-friendly rentals?
Pet entry is straightforward with EU rules, but pet-friendly rentals can be competitive — plan ahead.
Process, costs, mortgages, licensing, due diligence, and common pitfalls.
Is it safe to buy property in Spain?
Yes — use an independent lawyer for due diligence (debts, licences, community rules) before you pay a deposit.
What are the total buying costs?
Budget roughly 10–13% for transfer tax/IVA, notary, land registry, legal, and stamps (varies resale vs new-build).
Do foreigners get mortgages?
Yes — typical 60–70% LTV for non-residents, more for residents; provide income proof and NIE.
Can I short-let (Airbnb) my home?
Often yes, with a tourist licence where permitted; check community bylaws and municipal rules first.
New-build or resale — which is better?
New builds: modern specs & guarantees; resale: established locations & communities. Your use-case drives the choice.
What’s the normal timeline and deposit?
Reserve with a small fee, then a 10% private contract in a few weeks; complete at notary in ~6–10 weeks (varies).
Which areas perform best (value & rentals)?
Prime: Marbella, Benahavís, Golden Triangle. Strong family appeal/value: Estepona, Mijas. It’s hyper-local — street matters.
What annual costs should I expect?
IBI (property tax), basura (waste), community fees (if applicable), insurance, utilities, and maintenance.
Residency rules, double-taxation treaties, rent & capital gains, declarations, and vehicles.
When do I become a Spanish tax resident?
Generally if you spend >183 days/year in Spain or your main economic interests are here.
Will I be taxed twice (home country + Spain)?
Tax treaties (UK/US/NL/NO etc.) aim to prevent double taxation via credits and allocation rules.
Do I need to declare assets abroad?
Residents may need to file Modelo 720 for large foreign holdings; get local advice.
How are pensions, dividends & capital gains taxed?
Taxed in Spain if resident, often with credits for taxes paid abroad. US citizens still file in the US.
Non-resident rental income — how is it taxed?
Taxed in Spain; EU/EEA owners can deduct eligible expenses; file quarterly.
Is there a wealth or inheritance tax?
Spain has regionalized wealth & inheritance rules; Andalucia currently favorable vs. historical levels.
Do I need a fiscal representative?
Often recommended for non-residents to handle filings, addresses, and notices.
How do vehicle imports and licences work?
Expect matriculation tax and inspection for imports; EU licences recognized, UK licences exchanged, US must test.
Cost of living, healthcare access, schools, transport, safety, seasons, and lifestyle fit.
Is the cost of living lower than in the UK/US/Northern Europe?
Generally lower for food, dining, and rents (varies by area). Electricity can be higher; cars & imports cost more.
Do I need a car, or is public transport enough?
Coastal life is spread out. Buses/trains cover main routes but a car or scooter adds flexibility.
How are hospitals and English-speaking doctors?
Quality is high; coastal clinics often cater to internationals. Private insurance is affordable compared to many countries.
What are winters like? Is it too quiet?
Mild days (often 16–20 °C). Resorts are calmer; Málaga & Marbella keep a year-round buzz.
International or Spanish schools?
International = smoother landing (English curricula). Spanish public = integration & language; mixed approach works for many families.
Where are the biggest expat communities?
Concentrations in Marbella, Benahavís, Estepona, Mijas/Fuengirola, Benalmádena, Málaga city — each with a distinct vibe.
How safe is it for everyday life?
Generally very safe; standard precautions for tourist zones. Families cite a strong sense of security.
How do I build a social circle?
Start with interest groups, language exchanges, kids’ activities, and expat meetups — then branch into local clubs.
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Charline Vandeven