Properties

Are you wanting to move permanently? If so, you need a visa - in general, if you are planning to work, then a working visa or an 'autonomo' visa (for self-employed); if you are retiring, then a 'non lucrative visa' (NLV).

You need to understand if you meet the required criteria for the visa, before you start investigating where to live / how to buy. If you don't meet the criteria for any of the above, then you would only be able to buy a property as a holiday home and spend less than half the year here (and fall into the '90 days in 180' rule).

If you update this thread with what you want to do then I (and I imagine others) will be happy to help...

Hi Amanda,

I kept being drawn to Yecla too and have been living here for almost a year - it’s a fantastic place to live, totally recommend it, all the benefits of a large town and not too far from the coast or airport. What kind of advice are you looking for? As everything changed post Brexit, RichT is spot on, you need to make sure you meet the criteria first. Fingers crossed for you!!

Best Wishes,

Roma

Hi Richt . I’m coming up 57 soon so not quite ready to retire . I’m looking into buying And coming out on holidays at first and hopefully then permanently to live . With sale on house here I would meet criteria to be able to live but may need small income to to top it up . So thinking of some land and hopefully making a profit from produce etc . Perhaps I’m trying to live the dream but now I have been drawn to yelca have been looking into various things .. my first thing to do is visit area for a few weeks but at moment with covid etc will have too wait .. 

Hi Roma , thanks for getting back to me with this .. I can’t wait to actually get out too visit . It sounds perfect for what I’m after ..  love the sound of the place and look forward to exploring 

Hi Amanda

We have just completed the NLV process (for moving to Spain permanently and not working). This is as follows...

You need to apply for an NLV at the appropriate embassy / consulate in the UK. Broadly speaking, London serves the south of England; Manchester from the Midlands to the North West and Edinburgh for the very north of England and all Scotland. The consulate websites, visas sections, provides the list of requirements, which I've copied below, with my additional comments in bold:

LIST OF REQUIRED DOCUMENTS FOR A NON LUCRATIVE RESIDENCY

1 Passport or travel document valid for at least 6 months beyond the intended arrival to Spain with at least two blank pages to affix the visa.

2 One completely filled and signed National Visa Application Form.

3 Ex-01 form and 079-052 fee form to be paid at the Consulate on the day of your appointment. The visa and appointment fee totalled approx. £1,050 for the two of us.

4 One recent passport colour photograph. (No more than six months old)

5 For non-British citizens: A UK residence permit valid for at least 3 months. It can be either in form of Visa stamped on the applicant’s passport or a Residency Card. If you are a 'normal UK subject / citizen, this doesn't apply.

6 Medical (Health ) Certificate signed and stamped by a registered doctor. This Certificate must literally state that the Applicant does not suffer of any illness which represents a risk or a danger for the public according to the International Health Regulations of 2005. The document must be translated by a Sworn Translator only, and with the Hague Apostille if the country is a member. Otherwise the document must be verified by the Spanish authorities in the country of issuance. Our doctor charged £25 per certificate, using a template provided by our Spanish solicitor.

7 Certificate of Good Conduct issued by the country or countries where the applicant has resided in the past five years. The document must be translated by a Sworn Translator only, and with the Hague Apostille if the country is a member. Otherwise the document must be verified by the Spanish authorities in the country of issuance. This is a Police Certificate which is obtained from the ACRO website, at a cost of, I think, £55 per person - turnaround time was about 10 days.

Note - docs 6 & 7 had to be notarised (our UK solicitor charged £25 to do all our documents). The Hague Apostille is an additional government service, which costs £30 per document and has a turnaround time of about 10 days.

8 Full health cover for applicant and, if applicable, family member. There are specific policies, which must not include 'co-payments' which are acceptable for the NLV. Many companies offer these. We used Sanitas (which is part of BUPA), as our bank had a linked offer. I have seen DKV recommended by other people on this forum. The policy needs to be paid up front for a year and be 'live' at the date of the NLV application. We are 50 & 48, with no pre-existing conditions and our policy cost around £1,200 for the two of us. I have seen people with pre-existing conditions getting quotes as high as £6,000 pa each. It's important to shop around as prices vary significantly.

9 Means of maintenance in Spain in form of 2200 € per month for the main applicant. Each additional family member will need € 550 per month. In general, €33,000 pa for a couple.

10 All documents must be translated into Spanish (and where it specifies a 'Sworn Translator', these are specific translation companies that charge a lot of money (however, our Spanish solicitor included this in her price).

Although I would say that I am quite confident and competent in completing forms, gathering evidence, etc.; as many forms needed to be completed in Spanish (and mine is very limited) we used a Spanish solicitor (Raquel at BeGlobal Attorneys) to assist in preparing all the paperwork, making the appointments, etc. but there is still quite a bit of work you need to do yourselves.

For the 'means of maintenance' we provided evidence of cash in bank, shares, premium bonds, rental income from a property we own and rent out in the UK, and my pension pot.

In total, the process took us about 12 weeks and cost around £2,300 (excluding the cost of the private health insurance) - of which the solicitor's fees were approx. £1,000. When you get the NLV, you then have to enter Spain within 3 months and then start the rest of the process (below) within 1 month of entering.

When we got to Spain, we then had to attend the Foreigners' Office at a specific Police Station to have fingerprints taken; and be added to the padron at the town hall. Approx. 5 weeks after this, we collected our TIE from the Police Station.

This NLV lasts for a year, then you have to renew for 2 years, then a further two years, then you can get permanent residency. Although I understand the renewal process is less onerous than the initial application!

There is clearly a difference in the amount of money needed to qualify, as per above; and the actual amount that you could happily live on - so you need to consider this when balancing the money you could have from the dale of your UK property and if you feel you need to earn money from selling produce.

If / when you are thinking of buying a property as a non-resident, then you should allow 12-13% in addition to the purchase price of the property, for the costs of buying a property here. If you need a mortgage, you will need a minimum of a 40% deposit and then pass the usual criteria of income -v- outgoings.

Happy to help if you have any more questions - however, if you are coming out to view the area, that is absolutely the best first move...

Rich T your reply was spot on, the only thing missing was non-residents tax, payable annually.