Moving to Spain

You need it for the notary, a Spanish bank account, utilities and property taxes. Apply early: at a police station in Spain, a Spanish consulate abroad, or through a representative with a power of attorney. EU citizens staying longer than three months a year register as residents; non-EU citizens need the right visa or residence permit. We help with the forms and appointments, or arrange it for you under power of attorney.

Non-residents can often finance 60 to 70% of the price or valuation, residents somewhat more. Open a Spanish bank account and gather proof of income, tax returns and bank statements. The bank values the home (tasación) and you receive the binding offer (FEIN) at least ten days before signing. We introduce you to banks and arrange the mortgage.

Spanish state schools, semi-private (concertado) schools and international schools with British and other curricula. Your school choice can decide where you buy, and international schools often have waiting lists. State school enrolment needs town hall registration (padrón); applications usually open in spring. Lessons are in Spanish and Valencian, with language support for newcomers.

A strong public system, plus private clinics and multilingual doctors. Working residents are covered through social security; EU pensioners can often transfer cover with an S1 form. After moving, register at your health centre (centro de salud) and apply for the SIP card. Emergency number: 112.

Before: land registry (nota simple), debts, licences, habitation certificate, outstanding IBI or community fees. During: reservation, private contract, notary deed and registration in your name. After: utilities, IBI and community fees in your name, non-resident tax returns where needed, and a Spanish will.

Utilities, town hall registration, local tradespeople and questions about IBI. Our after-sales team supports you in your own language during the first months.