LEGAL & FINANCIAL MURCIA

The Smart Way to Budget for the Things You LoveSpending on hobbies can feel tricky. It is easy to overspend when something brings joy, yet cutting it out entirely rarely works. A smarter approach focuses on balance, allowing room for enjoyment without losing control of your finances. Budgeting for the..

Left the UK after April 5, 2025? Expats in Spain could still face UK tax under new rulesThe experts at Elysium Wealth Advisors explain everything you need to know about UK domicile changes From April 6, 2025, the UK tax system has undergone a major shift. The concept of “non-domicile” (non-dom) has effectively been abolished.. 22/04/2026

Local taxes in Spain: Everything property owners need to knowIBI, Plusvalía, waste collection fees and more – a practical guide for anyone who owns property in Spain If you own property in Spain, you'll know the feeling: a letter arrives (or sometimes doesn't) and you suddenly discover.. 22/04/2026

Elysium Wealth Advisors: Independent financial planning, pension advice and wealth management for expats in SpainRetirement planning, investment strategies, tax advice, estate planning and insurance solutions, all tailored to your individual needs as an expat in Spain Living in Spain is a dream for hundreds of thousands of expats, but managing your finances.. 10/04/2026

Funeral plan prices in Spain are set to rise so lock in today's rate while you canCompare Funerals is giving expats in Spain the chance to secure today's prices before the increase kicks in for just €100 Nobody really likes thinking about funeral plans. It's one of those things that's easy to put off, telling yourself.. 01/04/2026

Blacktower Financial: Celebrating 40 years of International Wealth ManagementHow economic change, expat growth and regulation have shaped modern financial planning Why 40 years matters   In financial planning, experience cannot be fast-tracked. As Blacktower marks its 40th anniversary in 2026, it is an opportunity not.. 05/03/2026

Do you have assets outside Spain? You may need to file modelo 720 before March 31LS Solicitors outline what Spanish tax residents need to know about declaring property, savings and investments abroad If you are resident in Spain and hold assets in another country, the Assets Abroad Declaration, also known as modelo or Form 720.. 24/02/2026

Don't let inheritance be a headache for you and your familyEnsure your property is left to whomever you want and save your heirs hassle and money by making a Spanish will If you want to make sure that your Spanish property goes to the people you want after you pass away, or you need help to claim an inheritance.. 17/11/2025

Non-residents tax in Spain - how to get it done with all the guarantees you want without spending the earth!Take advantage of the PALS Solicitor package in Puerto de Mazarrón and Condado de Alhama For those of us who own property in Spain or carry out some kind of economic activity in Spain but are not actually registered as resident in the country, one of..

Non-EU property owners in Spain can now deduct rental expenses and receive tax rebatesSpain’s National Court has ruled that preventing non-EU property owners from deducting rental expenses violates EU law, a decision which allows non-EU investors to claim substantial tax refunds and reduce future liabilities Until recently, non-EU..

Understanding non-resident property taxes in SpainA guide to the IRNR and rental income tax obligations for foreign homeowners Non-residents who own property in Spain are subject to a specific set of tax obligations that can be unfamiliar and, at times, confusing. Among these are the Non-Resident Income..

Buying a house in Murcia just got cheaper: Lower taxes on property transfers and wealth tax from 2025Regional government reductions in the property transfer tax and wealth tax aim to attract investment in real estate As of July 25, 2025, the Region of Murcia government has implemented significant tax reductions affecting real estate transactions.. 30/07/2025

What is IBI property tax in Spain, how much is this council tax and do I have to pay it?Understanding this charge could save you money and is important to consider when buying a house IBI is one of the most important taxes in Spain and needs to be understood before investing in a property. In Alicante province it is often known..

Digital certificate in Spain: What it is used for, why you need it and how to get oneLearn more about Spanish digital certificates for completing official residency, tax and government forms online You may have heard of a ‘digital certificate’ or ‘certificado digital’ in Spain, and perhaps even been asked to present..

What happens if you die without a will in Spain?Here’s what happens to the money if someone dies and doesn’t have a will for Spanish assets Dying without a will can lead to significant complications, especially in a foreign country like Spain, where inheritance laws may differ considerably..

Navigating UK pension transfers to Spain: A strategic approachBlacktower Financial Management can help transfer a UK pension to Spain for expats by Keith Littlewood, Blacktower Financial Management   The landscape of transferring UK pensions to Spain has continued to evolve, reflecting changes in.. 04/06/2024

Navigate the Spanish property market with Heniam conveyancing servicesExpert guidance through every step of real estate purchases in Spain with Heniam & Associates Suppose you’ve found your dream home in Spain and successfully made an offer. Now what? Enter conveyancing: the intricate legal procedure involving.. 03/06/2024

Tax-efficient investing in Spain: A guide to maximising your wealthMake the most of your investments in Spain with professional advice by Keith Littlewood, Blacktower Financial Management   Investing in Spain offers a unique blend of opportunities and challenges, particularly when considering the tax implications.. 17/05/2024

Simple, professional Spanish Wills and Inheritance services from PALS Solicitor in Puerto de Mazarrón and La MangaA Spanish Will is essential whether you own various properties or have nothing more than a bank account in this country! Anyone who has been through bereavement and inheritance procedures, whether in Spain, the UK or any other country, will know how difficult..

Get your finances up to date in 2024: Blacktower Financial ManagementIf you want to ensure you have a prosperous New Year, then read on By Keith Littlewood, Blacktower International Financial Advisor   Next year, Blacktower will be conducting workshops in the Costa Calida area on the following subjects: &..