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10 Of The Best Spanish Islands To Live On

Ready to discover some of the best Spanish Islands to live on? With their warm climates, picturesque nature, and cultural diversity the Spanish Islands named in this article are some of the best places to call home.

The Canary Islands are home to incredible beaches, resorts, volcanoes, and vibrant cities like Las Palmas de Gran Canaria and Santa Cruz de Tenerife. The Balearic Islands boast a mix of country villages, cities brimming with nightlife, and stunning shorelines with crystal-clear water. Whether living near major cities or in smaller towns, Spanish islands offer a unique experience that can’t be found elsewhere. Let’s learn more about it!

What is the nicest of the Spanish islands?

Spain is a heavenly travel destination for those who seek sunshine, coastal breeze, and rich island culture. Among the many stunning Spanish locations, there are 10 islands that stand out for their natural beauty, cultural diversity, and welcoming locals. Below, we describe each of them.

best spanish islands to live on

1. Gran Canaria

Gran Canaria is one of the best Spanish Islands to visit and settle. People know it as a “mini continent.” Gran Canaria has an important historical, cultural and artistic heritage, among which the Casa de Colón Museum stands out. The beaches can be bright and golden, black from volcanic ash, or even a mix of both. And when it comes to nightlife, Gran Canaria offers plenty of attractive experiences.

For those who crave a unique combination of culture, nightlife, and nature, Gran Canaria is just the place to visit. The island is one of the most important tourist destinations in Spain, with nearly five million tourists a year.

2. Fuerteventura

If you’re seeking a beach getaway, Fuerteventura is the ideal destination. As Spain’s second largest island and part of the Canary Islands, this scenic paradise showcases remarkable beaches formed by its legendary winds that have sculpted its picturesque scenery since antiquity.

Fuerteventura’s coasts offer many activities from sunbathing to beach volleyball that will delight any traveler. Those seeking an adrenaline rush can partake in water sports like surfing and windsurfing, canoeing or even diving. Whether you’re looking for leisurely days by the sea or thrilling adventures, this destination will provide it all.

3. Mallorca (Majorca)

The largest of the Balearic Islands, Mallorca can easily be recognized for its stunningly picturesque towns and rolling hills sprinkled with vineyards that produce some of Spain’s most sought-after wines. Mallorca’s views are breathtaking, from exquisite beaches and shallow bays boasting the most vivid of blues to quaint hilltop villages and towns tucked away in lush mountains.

No matter where you decide to stay, be it Palma or Alcúdia on the island’s northern side; white sand beaches will greet you just steps away from your accommodation. And if that wasn’t enough, fantastic nightlife options and plenty of eating and drinking establishments across all budget ranges await your exploration.

4. Tenerife

The largest island of the Canary Islands, Tenerife, will blow your mind. Along with its incredible beach scenes and constant sunshine can be found in intriguing ancient towns, bustling cities, vibrant nightlife spots, and plenty of opportunities for outdoor activities. The Teide National Park -a UNESCO World Heritage Site- is home to Spain’s highest peak, Mount Teide, and can be found at the island’s center.

Additionally, Tenerife’s climate can provide a paradise to those seeking relief from the winter chill with its warm temperatures year-round. Whether a holiday destination or a new home base, this Spanish Island will surely have something for everyone.

5. La Palma

As one of the lesser-known Spanish Islands, La Palma can offer a truly unique experience. Nicknamed the “Island of Eternal Spring,” its lush forests can provide a tranquil respite to those looking to escape it all. Whether you’re looking for a secluded beach or simply wish to explore – La Palma offers plenty of diverse activities.

With its quaint towns, coffee plantations, and stunning parks – you can explore a vast range of nature, culture, and history. And with its mild climate and sunshine year-round, La Palma is sure to be a favorite destination for holidaymakers.

6. Ibiza

A list of Spanish Islands is not complete without mentioning Ibiza. This island is a top vacation spot full of luxury and entertainment. Whether you’re lounging on stunning sandy beaches that stretch out into captivating blue waters or journeying back in time and exploring 16th-century Phoenician ruins, there’s something for everyone! Make sure to book one of the best hotels located close to the beach for an unforgettable stay.

Beyond its stunning white-sand beaches, the turquoise waters of Ibiza are a haven for an endangered monk seal that finds refuge within the endemic seagrass beds. When night falls, revelers flock to beach raves and glamorous pool parties for nonstop fun until daybreak.

7. Formentera

Escape to the dreamy, unspoiled shores of Formentera – Ibiza’s sister Balearic island. Marvel at its picture-perfect white sand coastline lined with intimidating cliffs and spectacular blue lagoons. Dip your feet in Mediterranean waters as you bask on golden sands like Cala Saona, Es Pujols, or Migjorn for an unforgettable beach experience.

Ibiza’s partygoers have discovered that Formentera is the ideal island to retreat and relax when they need a break from their hectic nightlife. With regular ferry services, it only takes half an hour to get between islands — perfect for anyone looking for a quick escape. As the smallest of the Balearic Islands, Formentera can provide visitors with a unique experience – one that can be found between mainland Spain and Ibiza.

8. Menorca

As the second largest Balearic Island, Menorca can provide an ideal holiday destination for those looking to relax. With its vast array of beautiful beaches, clear waters, and ancient architecture in its towns, this island can offer plenty of idyllic scenery. The coastal town of Ciutadella is a must-see with its picturesque views and can provide an excellent spot for a larger shopping trip. Additionally, Menorca can provide ideal conditions for young families looking to retire abroad – as there are plenty of international schools and a large expat community.

9. Lanzarote

Visit Lanzarote, a UNESCO biosphere, to explore its otherworldly beauty–like the Timanfaya National Park. Its vast volcanic wasteland displays fiery-red sand dunes and frozen lava fields that resemble something straight out of Mars. Not only is this an extraordinary landscape to wander through but it has also provided the island with some of its iconic black sand beaches for you to bask in.

From the stunning Playa Blanca to the sheltered Papagayo, your eyes will be filled with beauty while you explore this region. Restaurants and accommodations are abundant in these areas for a convenient stay. Famara Beach is an absolute must-see. It offers waves of different heights for surfers of all levels. The beach can be found on the island’s north-west coast, with other popular destinations like Costa Teguise and Puerto Calero close by.

10. La Gomera

The lesser-known island of La Gomera, situated between La Palma and Tenerife in the Canary Islands, is an adventurer’s paradise. Preserved in time through its stunning natural beauty and vibrant culture, it boasts breathtaking beaches and plenty of trekking opportunities. It is a hidden gem that will truly take your breath away.

La Gomera’s Garajonay National Park boasts a captivating landscape of lush laurel rainforests showcasing diverse biodiversity and magnificent rocky monuments. Moreover, the locals are renowned for their extraordinary ability to communicate across deep ravines through centuries-old whistled speech, known as the Silbo Gomero. So, if you’re looking for the best Spanish island to live on with natural beauty, plenty of outdoor activities, and can experience something unique – La Gomera can offer all this and more.

Which Spanish island is the cheapest?

When it comes to budget-friendly travel, the major islands of the Canaries are a great option. Tenerife, Gran Canaria, Lanzarote, and Fuerteventura are the best Spanish islands to live in. They provide plenty of package holiday deals with an extensive range of accommodation choices compared to their smaller counterparts. Maximize your savings while still having access to all that these beautiful destinations have to offer. 

What Spanish island is close to Africa?

The Canary Islands, also known as the Canaries, are situated off the northwest coast of mainland Africa, 62 miles west of the southern border of Morocco. As a Spanish archipelago, the eight main islands are part of Spain’s capital city, Madrid. With its mild climate, canary island life can provide an ideal getaway all year round. Offering diverse landscapes such as black sand beaches and golden sands, along with plenty of activities such as water sports and national parks, this is a popular destination for holidaymakers and expats alike.

A word from SublimeSpain

Having taken a closer look at 10 of the best Spanish Islands to live on, one can clearly see a wide variety of options available for any individual looking for a change of scenery. Rich with diverse cultures, beautiful landscapes, and abundant natural resources, it’s easy to understand why more people are making the move to the vibrant islands of Spain every day. So whether you’re looking for an adventure abroad or a relaxed tropical atmosphere to enjoy your retirement, Spain’s Canary and Balearic Islands will give you just what you want. From spectacular viewpoints to endless nightlife activities, there’s truly something special waiting around every corner.

Disclaimer: Information on this page may be incomplete or outdated. Under no circumstances should the information listed be considered professional legal or financial advice. We highly recommend seeking guidance from a legal or financial expert if you lack extensive knowledge or experience dealing with any of the procedures outlined in these articles.

Cédula de Habitabilidad in Spain: A Complete Guide

The Cédula de habitabilidad or certificate of occupancy is an often overlooked but critically important form of documentation needed to live in any home within Spain. Contrary to popular belief, this certificate is necessary before moving into any home; otherwise, you may risk fines. The good news is, the Cédula de habitabilidad is relatively easy to obtain, and we’ll walk you through why it’s important, the different types available, when you’ll need it, and other essential information relevant to the process of obtaining it.

What is the Cedula de habitabilidad?

It is an official document that confirms that a home meets the basic conditions to live in and is entirely legal in every respect. An authorized technical architect must inspect the property, ensuring that the building complies with a selection of sanitary, dimensional and safety requirements.

The Cédula de habitabilidad is necessary to connect basic utilities such as electricity, gas, and water. Generally, the certificate is valid for up to 10 years; however, this can vary depending on the type you’re applying for or where your property is within the country.

The Cédula de Habitabilidad is a document that assures that a particular home gathers all the minimum and necessary conditions of living. In the case of Barcelona, it uses Catalan law to determine this. It does not imply the legalization of the construction concerning its suitability for the use of the home or concerning urban regulations.

This document is, essentially, mandatory for every home, with the few exceptions that will mention in the following paragraphs. In other words, to live legally in a home, you will be required of this particular document. As mentioned before, consider that this is just an example of Catalan law (applicable to Barcelona). Depending on the law applicable to every particular territory in Spain, there might be differences. We can help you with more information on the particularities of this Cédula de Habitabilidad for your property. Contact one of our legal experts at SublimeSpain.

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The Cedula de habitabilidad in Spain is necessary to live in Barcelona

The different types of Cedula de habitabilidad

There are three critical variations of this certificate that directly correspond with the property’s age or a particular stage of building. Logically, the law establishes stricter standards of enforceability for new homes. At the same time, the requirements for pre-existing dwellings, as of August 11, 1984, in the particular case of Barcelona, are more exiguous, as well as it establishes an intermediate regime for homes after August 11, 1984 and before the entry into force of the Decree that regulates the Cédula de Habitabilidad.

See the differences between the three primary forms of this document:

  • Cédula de habitabilidad de primera ocupación (certificate of first occupancy)

This type of Certificate of Habitability must be requested with all newly built homes. As previously mentioned, with newly built homes, the required conditions have been more modern and exigent, making it the most demanding type of certificate.

  • Cédula de habitabilidad de primera ocupación por rehabilitación.

This document refers to a home product or result of an intervention or rehabilitation process. It is necessary when there are renovations or reforms that can substantially modify the original setting of a home. This is the case, for example, of homes where there has been a redistribution of the original spaces.

  • Cédula de habitabilidad de segunda ocupación (renewal of occupancy certificate or second occupancy certificate)

This part is about an already built and previously inhabited home. It is the type of document that existing dwellings must request when the First Occupancy Certificate has expired. Essentially, it is more of a renewal of the initially granted certificate rather than a new one.

What information needs to be included in the application?

The requirements to process the documentation depends on the region. Next to this, the version of the certificate you need also will have an effect. The following information is crucial to include in any application:

  • Location: The address of the home in question.
  • Functional surface: Any surface that we can use or walk on within the interior of a home (floor space, built-in wardrobes, counter space, etc.).
  • Distribution: Which are any rooms or areas within the house.
  • Occupancy threshold: This is the maximum number of people who can legally be in the building simultaneously.
  • Identification: The identification should be from the authorized technician who conducted the inspection.

When is the Cédula de habitabilidad mandatory?

This documentation is required in virtually every situation involving a place of dwelling. While there are rare exceptions where this may not be considered mandatory, as a general rule, it’s safe to assume it’s completely necessary unless advised otherwise by a legal professional.

Let’s break down the four key scenarios where this certification would be required:

  • Renting an apartment or property

In any housing rental contract, it’s compulsory that the certificate be included in the documentation and provided to the new tenants. It’s important to note that a home without any Cédula de habitabilidad is not considered a home/place of dwelling and legally cannot be made available for residential use.

If you rent a home without this certification, there could be potential consequences for both parties involved. For example, the tenant will be unable to register for or connect basic utilities and services, and the government could subject the property owner to significant fines and legal hurdles. If you want to know more about renting out your property, we suggest you also read about rental income taxes in Spain.

  • Selling an apartment or property

If you’re involved in selling a home, you must obtain the Cédula de habitabilidad. There are very few circumstances where this may not be immediately required to process the transfer of ownership; however, without an explicit exemption, the seller could be subjected to high fines. The buyer may experience a range of difficulties in the future. We’ll identify the key exemptions from the certificate a little further down.

  • Requesting a mortgage.

For any mortgage or bank loan to be granted, there are several requirements that the person requesting the mortgage must meet. In Spain, it’s essential to have the Cédula de habitabilidad for your property. It’s important to remember that this certificate is necessary for the property in question to be considered a home legally. Hence, it’s impossible to discuss relevant mortgage or home loan rates without this documentation.

  • Living in a property

While there are several situations where people attempt to live in properties without the Cédula de habitabilidad, it is unlawful and puts them at risk of many complications. We’ve compiled the main consequences you may have when you live without the necessary certification.

  • Inability to register and set up basic utilities and services (such as water, gas, electricity, etc.)
  • Potential to be faced with a range of severe fines and penalties.
  • Inability to register for home insurance or apply for bank loans and mortgages.
  • Potential for eviction followed by limitation of access to public resources.

Exemptions from the Cédula de habitabilidad

There are very few circumstances where the certificate would not be considered mandatory. For example, if there was an agreement not to deliver the document in the sale of a pre-existing property, it could be for the following reasons:

  • The buyer may have plans to renovate or demolish the property.
  • The intended use of the property may differ from that of a home.
  • The certificate may be processed at a later date for a range of justified reasons. However, it will be necessary to present the application for a registered occupancy certificate. This will prove that the housing conditions are optimal for obtaining the certificate.

Remember, this is only an example applied to a sale of a property, but each case (renting, requesting a mortgage, etcetera) has got its different exemptions. If you are unsure about the exemptions that apply to your situation, it’s always best to consult with a real estate lawyer for clarity.

Who is responsible for the Cédula de habitabilidad?

In a rental property scenario, the Cédula de habitabilidad is the sole responsibility of the person who holds the property deed. They’ll be required to request it and pay for it.

In the sale of a property, the seller is generally expected to handle and pay for the certification process. However, in some situations, both parties may agree that it becomes the buyer’s responsibility to obtain the certificate.

What happens if I don’t have the certificate documentation?

Unfortunately, it can be relatively common to sell a house or apartment without the Cedula de habitabilidad, which is often the case with uninformed buyers.

In case you are looking forward to purchasing a home, prioritize addressing the certification with the current owner to avoid any future complications.

If you can’t find your certificate or never received one, check with the Town Hall to make a copy. If this proves unsuccessful, you’ll need to apply for a new one immediately and pay for the replacement.

You need a cedula de habitabiliad in Spain to live in Toledo

Important processing information

  • How much does the Cédula de habitabilidad cost?

The overall cost of the certification can change based on the situation. However, two key things to consider are the standard rate to be paid to the local town council for processing the application and the architect’s fee for the inspection.

For example, the current cost of applying for the certificate in Barcelona is €42.60. This price is for the Cédula de Habitablidad de Primera Ocupación. However, this amount is subject to change based on the region you’re applying in, and the specific certificate you need.

  • How long does the application take to process?

On average, it may take a month or less to receive an official response on your certification status. However, the length of time for approval depends on the region of Spain you’ve made your submission.

If your situation urgently requires the Cédula de habitabilidad, a sealed request of the certificate may be sufficient instead of the physical documentation in many instances.

  • Can I get a duplicate of the certificate?

Absolutely! To request a duplicate of the certificate, you need to contact your local town hall with documentation proving you’re the legal owner of the home in question or nominate an authorized representative.

Please note that there is no need to process an additional application so long as the certificate is still considered legally valid for the property.

  • Is this certification the same in every region of Spain?

Depending on your location within the country, the application process, requirements, costs, timeframes, and more may vary. While the general process is mandatory in most regions, others like Aragón and Castilla la Mancha do not require it. In other areas, only the Cédula de habitabilidad de primera ocupación (certificate of the first occupancy) may be necessary. It can also happen that the Cedula de Habitalidad carries a different name in a region. In any case, it’s essential to review the legal requirements based on the region. In case you need some help, don’t hesitate to consult with a legal professional.

Buying, selling or renting a property in Spain is complicated and a little overwhelming at times. Our dedicated team of real estate and property lawyers at SublimeSpain are available for guidance through the Spanish legal system. We can handle everything from registrations to advice on legal proceedings. Contact us today to book an appointment with one of our property specialists.

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A word from SublimeSpain

Understanding the Cédula de Habitabilidad is essential for anyone looking to rent, sell, or live in a property in Spain. At SublimeSpain, we aim to simplify complex processes and provide you with the clarity and support you need. From navigating local regulations to ensuring your property complies with the law, we’re here to make your experience smooth and stress-free. Let us guide you through every step, so you can focus on enjoying your home and all the beauty Spain has to offer. Reach out to us today for expert advice and assistance.

Disclaimer: Information on this page may be incomplete or outdated. Under no circumstances should the information listed be considered professional legal advice. We highly recommend seeking guidance from a legal expert if you lack extensive knowledge or experience dealing with any of the procedures outlined in these articles.

Buying a Holiday Home in Spain

Spain is a popular holiday destination and with good reason. The country has some of the most stunning beaches in Europe, the weather is fantastic (mostly), and there’s plenty to do for both adults and kids. But if you’re thinking about buying your own holiday home in Spain, it is best to do your homework first. While buying a holiday home is similar to buying a property in Spain, we will discuss things specifically related to holiday homes.

Why buy a holiday home in Spain

Spain is an excellent destination for holiday home buyers, and the country has plenty to offer for both adults and children. But there are other reasons why you may want to invest in an apartment or villa in Spain.

  • The weather: The Mediterranean climate means that the summers (June to September) are hot and sunny, and winters (November – April) can be chilly with mild temperatures. In the summer, temperatures in Spain often go well over 30°C and can be as high as 45°C in July and August in inland areas.
  • The houses: There is an extensive range of options for buying a holiday home in Spain. Depending on your budget and preferences, you can opt for a townhouse, country house, apartment, or even a villa.
  • The price: The property market in Spain has fallen sharply since the crisis, so prices are very affordable compared to other places. For example, you can buy a luxury villa with a private pool for as little as € 250.000. There are also great opportunities for renovation works or plots of land for building your own holiday home.
  • The beach: There are numerous beautiful stretches of coast in Spain, from the Costa Brava to the Andalusia Coast. The shores have a lot to offer in activities, restaurants and shops.
  • The freedom: You can go to your holiday home at any time of year, and you don’t need to worry about finding transportation or fighting the crowds when you’re on holiday in Spain.
  • A Spanish Visa: When you buy property above € 500.000 you can get the Golden Visa Spain. This gives you access to the Schengen area.

Spanish Holiday Home

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The downsides of buying a holiday home in Spain

Reasons to not buy a holiday home are:

  • The bureaucracy: Buying or selling a property is quite complicated in Spain.
  • The economy: There is still a great deal of uncertainty about the Spanish economy. However, this is slowly changing, and there are lots of positive signs, such as lower unemployment figures and an increase in foreign investment.
  • Insurance problems: It can be tricky to get an annual insurance policy for homes that are empty most of the time, so this needs to be considered.
  • Property taxes: For example, you need to pay municipal tax when you own a property in Spain, and failure to do so can result in huge fines and even jail time. Inform yourself about the tax laws in Spain before you buy!
  • Vacant homes: Many properties stand empty throughout the year. Unfortunately, this means that there is a risk of vandalism and theft. Next to this, Spain is not happy with empty homes and combating this with regulations.
  • Reliable agent: Make sure you use a reliable real estate agent with the required knowledge and expertise.
  • Property scams: Unfortunately, some fraudsters go to great lengths to scam holiday home buyers.

How to find the perfect location for your dream holiday house in Spain

Now you may be ready to buy a holiday home in Spain. You’ve read about the many reasons why it’s great to own a property there, but where should you start? Below are some ideas on how to find your dream location in Spain.

Consider the city:

Some people want to live near the beach, and others prefer the quiet countryside. If you’re unsure what you like, it can be a good idea to visit some cities first and decide if it’s really for you.

Consider what you want to do in your future holiday home:

Do you want to relax on the beach or by your private pool? Are you interested in history and culture? You can find accommodation for every type of holiday. Just make sure that you know what you like before looking for a location because this will make it much easier to choose.

Research the location and surrounding area at different times:

It’s difficult to get a good impression of an area if you visit it in high season when everything is hectic, busy and overcrowded. It would help if you also considered visiting the site at other times of the year (for example, spring or fall) to see how it looks like outside of tourist season. It can be surprising what you’ll find.

Look for a place that is close to an airport:

If you want to visit your holiday home with short travel times, this is something to keep in mind when looking for the ideal location. Just make sure you are not too close to an airport, because you do not want to hear planes all the time.

Pick a neighbourhood that has convenient amenities like restaurants and grocery stores:

The location of your future holiday home is essential because it directly affects the value and resale value. Research the area where you want to buy a vacation home in Spain. If there are not many amenities like restaurants and grocery stores, this might be something you need to consider before moving!

Consider the landscape:

Spain is a country with beautiful landscapes, so this should be one of the essential things you consider when looking for the perfect location. Mountains, hills, plains, beaches and historic towns are just some examples of what you can find in Spain. It depends on what type of holiday home experience you’re looking for!

Check out what people live nearby:

It’s also important to pay attention to the people who live in your neighbourhood. When looking for the ideal location, you don’t want to buy a holiday home near noisy or rude neighbours, so keep that in mind.

How do I find a property to buy in Spain:

There are a couple of ways to find your ideal property. In general, visit the area you want to purchase in, search online through listings, or hire an estate agent.

Visit the area:

Although it isn’t the most efficient way to look for a property, you can visit the area and go from place to place. That way, you’ll get an excellent overall impression of what is available. Just make sure that you have a plan before going on your search, and this will make things much easier!

Search through listings online:

There are a lot of great websites that can provide you with information on properties for sale. You’ll find lots of information and pictures, which will help you make your decision. The most important thing is to know what you’re looking for and not be afraid to ask questions! It’s much easier to find the perfect place if you have all the information. Examples of real estate sites are habitaclia.com, fotocasa.es, and idealista.com.

Hire an estate agent:

If there aren’t many listings in the area you want to buy a property, hiring an estate agent can be a good idea. They know their way around, and they’ll find the perfect place for you. Don’t hesitate to ask them; they should always provide honest feedback!

From our experience, it is best to hire an estate agent in combination with a lawyer to find a property when you don’t speak the language. The estate agent will help you find the property, while the independent lawyer will protect you. The savings you make by having insiders will be more than covered by the risk of the extra cost involved in making the purchase.

Holiday home in Spain

Hiring a property lawyer when a Spanish holiday home

When you are buying a holiday home in Spain, it is recommended to get a Spanish property lawyer involved. It is important to find a lawyer that speaks your language and has experience in the region where you want to buy. This way, there won’t be any unexpected problems or issues! It’s also best to make sure the lawyer is independent; you don’t want them to represent the owner. The lawyer can do a large variety of tasks for you, including:

  • Negotiating the price and terms with the owner means that they will try to lower the cost and/or include services in the contract.
  • Making sure all legal documents are in order: This is more complicated than it sounds. Basically, an estate agent or lawyer will make sure everything is according to Spanish law. If there are any irregularities in the contract, they will let you know about it.
  • Inspect the property: The lawyer also ensures that everything is in order and that there aren’t any hidden costs or problems with the building. This is a crucial step! Don’t think twice about spending a bit more to do this part properly.
  • Arrange the payment: The lawyer should make sure that all payments are made according to the contract and that you have proof of this. This prevents any misunderstandings or disagreements later on.
  • Inspections during your holiday homeownership: In some cases, it is also necessary for a lawyer to inspect the property from time to time. This is mainly the case if you have problems with the building, for example, if it needs maintenance work. However, this is only necessary in some exceptional cases and mostly depends on your contract and what you agree upon.

It’s always best to be careful when buying a property in another country! Make sure that you know all about the property and that everything is done according to the law. We also have a blog about property lawyer services for UK citizens.

What type of holiday home properties are there in Spain?

Many different regions of Spain have their unique character and charm, and they range from the mountains of the Pyrenees to the sunny beaches along the Costa del Sol. You can find a lot of different types of property, depending on what kind of holiday home experience you’re looking for. A few examples are:

  • Beach properties: If your idea of a perfect holiday is laying under an umbrella on some beautiful white sand, then buying a beach house is the way to go. Many people like to buy holiday homes in Spain due to the fantastic beaches and warm climate.
  • Mountain properties: Are you more into hiking and mountain biking? Then this might be what you’re looking for! Mountains are truly iconic in Spain, and there are plenty of opportunities for you to explore.
  • Town/city properties: Many lovely historic towns are perfect for a quiet getaway. The excellent public transportation system makes it easy to visit things like museums and art galleries without having to use your own car.

Beaches in Spain

What should you look out for when buying a property abroad?

Although it can be very exciting to buy a holiday home in Spain, there are certain things you should consider beforehand. Here are some of the most important ones:

  • Language barriers: The language barrier can make it difficult to communicate with people you’re not familiar with. If this is something that concerns you, make sure the estate agents or lawyer you’re working with speak your language. Otherwise, you might want to make sure that someone in your family or a friend speaks the language and can help out in case of an emergency.
  • Legal issues: Buying a property abroad is similar to buying one in Spain, but there are also some important differences. Make sure always to ask your lawyer or estate agent what you should be aware of. If they don’t seem to know the answer, it might be best to hire someone else.
  • Insurance: Having a Spanish holiday home can provide you with great memories for many years to come, but there are some additional costs involved as well. Holiday homes can be easily exposed to bad weather, thief’s, and utility issues. That is why it’s essential to make sure your property is insured, and this will protect you in case anything happens.

The Spanish property market is strong and offers good rental opportunities

The Spanish property market is becoming stronger every year. One of the main reasons is the tourism boom throughout Spain. The country has become a popular holiday destination, which has led to more demand for properties. On top of that, prices are rising as well!

There are many different things you can do with your Spanish property after making the purchase. You can choose to live in it yourself or rent it out. If you choose to live on your property, you will be able to enjoy all the comforts of home while on holiday.

If you decide to rent it out, there are many different ways to do this as well! You can put the house on AirBnB or similar websites, and it will be rented out to tourists immediately. Or, you can go with an ordinary tenant and rent the property through an estate agency, for example.

Spanish Rental income tax

When you rent out your holiday home, you will pay income tax (IRPF). Make sure you know the ins and outs when it comes to rental income tax in Spain when you plan on renting out your holiday home.

Holiday house in Spain

Popular locations for buying a holiday home in Spain

Many foreigners like to buy a holiday home in popular tourist locations such as:

Costa del Sol

The coastal region is famous for its fantastic weather and beaches. Costa del Sol has become one of the most popular holiday destinations for people all over Europe, which means there’s lots of demand for properties! Although it can be difficult to find affordability, many opportunities are available.

Costa Tropical

The Costa Tropical is between the Sierra Nevada mountains and the Mediterranean Sea. It’s a trendy holiday destination for Europeans during spring and autumn because of its great weather and affordability. There aren’t as many property options here as on the coast, but you can still find some fantastic deals.

Costa Blanca

Costa Blanca is a popular destination for holiday home buyers from the UK and Ireland. This area has a fantastic climate, lots of coastline, and many beaches. It’s challenging to find affordability here due to high demand from tourists, but there are still some great deals to be found!

Galicia

Galicia is a dream location for nature lovers and people who love fishing. It’s one of the best places in Europe to fish and is perfect for people who enjoy sailing. Although it can be difficult to get around, it’s a truly special place.

Andalucia

In Andalucia, you will find some of the most culturally-rich cities in the world. This region is what you might call a hidden gem in southern Spain, which means it’s becoming more and more popular with holiday home buyers across Europe! It also has great weather throughout the year, especially in places like Almeria and Malaga.

Catalonia

Catalonia is located to the north of Spain and is home to the city of Barcelona. This region is excellent for people looking for an affordable holiday home near a famous European city. Although it has become more expensive over recent years, you can still find some bargains if you’re willing to look around!

Sierra Nevada

Sierra Nevada is another hidden gem that’s located in the southeast of Spain. It offers breathtaking views and is home to one of Europe’s highest peaks, the Mulhacen (the third-largest in the Iberian peninsula). This area has a fantastic climate, and if you’re looking for affordability, this might be right for you!

Balearic Islands

The Balearic Islands are famous for their fantastic weather, beaches, and warm water. They’re most popular with holiday home buyers from the UK and Ireland because of their popularity among British tourists. Due to high demand, there aren’t many places where you can find affordability in this region. Cities you can find there are Ibiza, Mallorca and Menorca.

The Canary Islands

The Canary Islands are located off the coast of Morocco and are popular among Europeans who like to escape to warmer climates during the winter. The best time to buy in the Canary Islands is when you’re ready for somewhere new in your life because they’re not always very affordable!

Holiday Property in Spain

What are the costs associated with buying a holiday home in Spain

The costs will depend on several things, including your budget and the area you want to buy in. Costs can include notary fees, registration fees, transfer taxes, exchange rate expenses, and stamp duty.

The average cost of buying a holiday home is around 10% – 15% of the purchase price. This means that if you’re buying an apartment for 200,000€, then your expenses will be at least 20,000€.

Why you should consider purchasing off-plan properties for sale in Spain

Most properties for sale in Spain are second-hand, with only a small percentage being newly built. This means that you can purchase a home at a much lower price than if it were to be made today.

Moreover, most new-builds are built-in popular coastal areas, which means they’re costly. You can save thousands of Euros by purchasing off-plan properties for sale in less exclusive regions. However there are many legalities and pitfalls involved when buying an off-plan property, so, it is best to get a lawyer involved.

Get the help of a Property Lawyer in Spain

Learn more

Disclaimer: Information on this page may be incomplete or outdated. Under no circumstances should the information listed be considered professional legal advice. We highly recommend seeking guidance from a legal expert if you lack extensive knowledge or experience dealing with any of the procedures outlined in these articles.

Living In The Canary Islands: A Quick Guide For Expats

Living in the Canary Islands is a dream come true for many. With year-round sunshine, warm temperatures, and stunning beaches, what’s not to love? Located in the sunny Atlantic Ocean, just off Africa’s west coast, this magical Spanish archipelago has everything. Its stunning beaches and awe-inspiring volcanic landscapes will take your breath away. But before you pack your bags, you must ensure you have all your paperwork sorted out. In this quick guide, you’ll learn about the main requirements for applying for residency in the Canary Islands. Looking beyond the typical tourist attractions, this guide dives deeper into what Las Islas Canarias has to offer those interested in relocating.

Living in the Canary Islands: What is it like?

The Spanish archipelago located off the northwest African coast has breathtaking Islands that are an ideal location for living and the perfect place to call home. Life on the islands is relaxed and easy-going and the living costs are much lower than in most other European countries.

There is a fantastic choice of European and local cuisine, plus a wide range of cultural activities. Shopping here can be varied and convenient too. There are bright bazaars close to popular tourist areas and plenty of supermarkets to stock up on essentials without venturing too far. The larger islands like Gran Canaria and Tenerife also have shopping malls for larger shopping trips.

Which Canary Island is the best to live in?

The best Canary Island to live in largely depends on personal preferences. Each of the main eight islands has something unique to offer: beautiful beaches, mountainous landscapes, vibrant cities, and remote villages.

Of the eight main islands, Tenerife and Gran Canaria are the two most popular ones. Gran Canaria is the third largest island in Spain. Tenerife and Gran Canaria are both famous for their year-round sunshine and lively culture. Meanwhile, La Palmas is also a great destination as it offers both city living and resort towns. It is the most metropolitan island with plenty of shopping opportunities. Fuerteventura offers a quieter, more relaxed atmosphere with its secluded beaches and lush forests.

Living in the Canary Islands

Applying for residency in the Canary Islands

You must obtain a residency permit if you are looking for a long-term stay or remote work opportunity in the Canary Islands. You must apply if you are living or working there for more than 90 days. This guide will provide some insight into achieving legal residence status; however, it’s always best to get information from reliable and official sources for double assurance.

Obtain a Foreigner Identification Number

The NIE (Foreigner Identification Number) is an individual code the Spanish tax agency assigns to foreigners. This personal number appears on all issued and processed documents except for visas, including passports and identity cards. It serves as a form of identification for individuals when dealing with governmental institutions in Spain.

If you want your NIE, providing evidence of where you live such as a rental agreement or hotel/hostel booking receipt, is essential. This number is needed for many tasks like paying taxes and fees, owning property, acquiring a driving license, or starting a company – all activities that require finance transactions.

Work for a local/national company

European citizens with a legitimate job contract from a regional/countrywide organization do not need to meet other stipulations. The agreement must be formalized, and include at least 20 hours of labor per week. However, it does not necessarily need to encompass full-time employment. The European Union has a number of regulations and directives that regulate working conditions; your employer must adhere to current legislation and register the job contract with social security services.

Have private health insurance

Private medical cover is a requirement for those living in the Canary Islands for more than 90 days. Obtaining comprehensive health coverage ensures access to high-quality healthcare services, both public and private, throughout the region. In most cases, your employer will likely cover this cost; however, if you are a self-employed worker or freelancer living in Spain, it is essential to obtain your own policy.

Apply for a student visa

If you are planning on studying in the Canary Islands, then, of course, you will need a student visa. To apply, you must submit proof of enrollment at the respective educational institution and all documentation proving financial stability and health insurance.

What happens if you work for a non-local/national company?

If you’re an EU, EEA, or Swiss national who a local or national company doesn’t employ, has no work contract with one, and works for a foreign business instead – it is essential to demonstrate that you have enough income to sustain living on the islands. Moreover, private health insurance is also required in such cases.

What happens if you are a non-EU citizen?

Non-EU/EEA and Swiss citizens must visit the Oficina de Extranjería (Immigration Office) to fill out an application for a residency permit. Additionally, they should demonstrate that their stay on the Islands is financially viable by providing evidence of sufficient financial resources.

A word from SublimeSpain

The Canary Islands are the perfect destination for career switchers pursuing a more relaxed, beach-centric lifestyle. Applying for residency in the Canaries is easy, with many options available. To gain full access to all the benefits of living in the Canaries, you will need to apply for a resident permit for at least six months before moving there. Some key application requirements include a valid passport or ID card, proof of address, health insurance, and documents that reflect your income sources. Once approved, you can stay in the islands indefinitely, provided that you meet all of the legal requirements associated with your resident permits, such as residence taxes and mandatory medical exams. Keeping in mind these steps, you’ll be ready to enjoy life in this beautiful part of the world!

Disclaimer: Information on this page may be incomplete or outdated. Under no circumstances should the information listed be considered professional legal or financial advice. We highly recommend seeking guidance from a legal or financial expert if you lack extensive knowledge or experience dealing with any of the procedures outlined in these articles.

How Much Does It Cost to Maintain a Property in Spain?

Are you considering investing in a property in Spain and wondering how much it will cost to maintain a property in Spain? If so, the first step is to calculate whether or not you can afford it!

Maintenance costs and other expenses such as utilities are an important part of budgeting for any property. But what “real” cost should you expect if buying a house or apartment on the Mediterranean coast, or perhaps somewhere inland? Read on to discover how much it will cost to maintain life in the land of paella and sangria.

What are the costs of owning a house in Spain?

The cost to maintain a property in Spain can change depending on various factors. These include the residence’s size, whether you are solely responsible for its upkeep or contract specialists to handle it instead.

To give you an idea of what annual expenses to anticipate when owning a property in Spain, here is an overview of associated charges and fees:

cost to maintain a property in Spain
Spanish currency banknotes and coins

IBI Tax

Owning a property in Spain is an investment that comes with financial requirements, regardless of your residency. Most notably, IBI tax (Impuesto sobre Bienes Inmuebles) must be paid to the local Town Hall each year. It is the equivalent of “Council Tax” for those living in the United Kingdom. This fee covers expenses including waste collection services and infrastructure upkeep. Missing or late payments of annual tax can lead to a hefty financial penalty. Hence, it’s important for all foreign investors and permanent Spanish residents alike to prioritize their IBI taxes on time.

Depending on your location, you can either make this pay annual the tax online or in-person at your local Town Hall. Tax rates for IBI vary by region and are based on the “Valor Catastral” of each property. This means that where you live will affect how much you pay.

To give you an idea of the IBI cost while living in Barcelona, it’s typically 0.6% of your apartment’s value. For example, a two-bedroom home on the Costa Del Sol might be around €400 per year to pay tax. Instead, a luxury villa located in Marbella could range from €1500 – €2000 each year depending on its worth and area.

Non-Resident Property Tax in Spain

IRNR Non-resident income tax (Impuesto Sobre la Renta de No Residentes in Spanish), is a yearly requirement for non-residents living abroad who own real estate. Even if you don’t have any additional sources of income based in Spain and do not rent out your property, as a non-resident property owner this obligation applies to you. This property tax is calculated according to the worth of your assets. Every year, the local town hall issues an IBI receipt that informs you of the cadastral value upon which the IRNR will be based.

Residents’ Tax

IRPF Personal Income Tax (or “Impuesto Sobre la Renta de Personas Físicas” in Spanish) is a direct tax applied to one’s total yearly income for those living in Spain.

This form of taxation applies to any worldwide earnings acquired through employment and self-employment. The taxable amount is determined by subtracting all expenses deemed allowable under Spanish law from your overall global revenue. When filing your annual Spanish income tax return, you can combine rental income with other general sources of income as a resident.

Community Fees/Costs/Taxes for Property Owners in Spain

Along with the taxes outlined above, owning a property in Spain also requires additional administrative and maintenance payments. These can vary widely but might include fees for communal spaces such as playgrounds or tennis courts, annual bank account costs, insurance company expenses, garbage disposal charges and utility bills. All of these must be taken into consideration before making a purchase.

State Tax

Whether you are a resident or non-resident, the amount of taxation required for your Spanish property depends on whether it is being rented out. If so, then quarterly payments must be made to cover 19% of its rental value. If it is not being utilized as such, a much-reduced rate of 0.2% will apply when filing yearly State Tax in Spain.

Utility bills

When it comes to the cost of maintaining a property in Spain, energy costs are an essential factor. Utility bills include water and electricity consumption. The exact monthly utility bills vary depending on the size and occupancy status of your home. However, be aware that higher charges will likely apply if you decide to rent out the premises.

To ensure your bills are paid on schedule, it is essential to establish a Spanish bank account as foreign accounts are not accepted by utility companies in Spain. Although your property may be empty, you will still need to keep up with monthly bills in order to maintain ownership of a home in Spain. Even if you do not stay in the property year-round, utility companies will still expect payment via direct bank transfer. To prevent service disconnection while your home is vacant, it’s essential to maintain sufficient funds in your account at all times. Reconnecting utilities after a lapse can prove time-consuming and costly – so make sure there are no surprises by making timely payments.

Insurance Company Payments

Purchasing a property in Spain necessitates the acquisition of both building and contents insurance, an additional cost to factor into your budget. Home insurance premiums depend on the size of your house and any attached swimming pools, as well as their age and condition. Your mortgage offer often requires that you furnish proof of adequate coverage for their loan security. You can expect to spend approximately 0.05% of your house’s purchase price on yearly premiums. For instance, prices generally range from €250-350 annually near Costa Del Sol. The property insurance company plays a vital role in safeguarding your dream home and its contents. It helps to minimize risks and protect you from the unpredictable.

Other Charges to Consider

When thinking about prospective costs, take into account the distinctive features of your property. For example, if you are fortunate enough to have a private swimming pool in your home, then heating and maintenance charges should be factored in. If there is an outdoor area that needs tending to or any exterior painting or interior decorating required for a non-new built house. Remember that these expenses must not go unnoticed.

If you want to accurately assess the full costs associated with upkeep and updates, a smart tactic is to draw up a list of all monthly and annual tasks that need attending. That way you can factor in extra fees accordingly and ensure you have the accompanying funds ready.

cost to maintain a property in Spain

How much tax do you pay on a house in Spain?

All in all, you can expect to pay the following fees for keeping a property in Spain. However, please bear in mind that these figures are just estimates. They should not replace carrying out your own research for specific requirements of your property:

  • 0.15% Local tax
  • 0.05% National tax
  • 0.05% Insurance
  • 0.1% Utilities (if it is an empty property)
  • 0.3% Community charges
  • 0.1% Property charges

Is it worth buying a property in Spain?

Buying a property in Spain can be a great investment, as the country is one of the most attractive tourist destinations in Europe. From the variety of its landscapes to its lively culture and sunny climate, Spain is certainly an attractive proposition for those considering buying a property overseas.

Cost is also something to factor in when looking at property in Spain. Taxes, insurance, utilities and maintenance need to be considered before making a decision. Overall, though, maintaining a property in Spain can often be quite reasonable. In addition, due to the highly developed infrastructure and numerous local services available there, having an asset in this Mediterranean country can be a very wise choice.

A word from SublimeSpain

There are a number of expenses to consider when maintaining a property in Spain. With the country boasting beautiful beaches, mountains, and culture, it can certainly be worth owning a piece of paradise here. However, upkeep will not be cheap. You must pay taxes and take into account utility bills. Also, you should not underestimate repairs.

If you want to own a property in Spain but don’t want the headache that can come with it, then seeking out expert advice might just be your best option.

Disclaimer: Information on this page may be incomplete or outdated. Under no circumstances should the information listed be considered professional legal or financial advice. We highly recommend seeking guidance from a legal or financial expert if you lack extensive knowledge or experience dealing with any of the procedures outlined in these articles.