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MURCIA LIFESTYLE, LEGAL & FINANCIAL MURCIA

Murcia Lifestyle, Legal & Financial Murcia

Non-resident homeowners in Spain: What you need to know in 2025Here’s what you need to know about paying taxes if you own a home in Spain but don’t live in the country full..Read More >

Area	Town	Subject
Murcia Property..	Murcia Property	Murcia Property..

Self-employment in Spain: How to get the right visa with Heniam & AssociatesA practical guide to working legally as a freelancer or business owner in Spain Spain is an.. 10/04/2025Read More >

Area	Town	Subject
Legal & Financial..	La Manga del Mar..	Surviving Spain..

Gestoría Carvajal now offers assistance in DutchClients can now receive support in Dutch for legal, tax and residency matters Gestorí.. 04/04/2025Read More >

Area	Town	Subject
Murcia South West..	Camposol	Camposol Trusted..

ASSSA celebrates 90 years of experienceIt is a major milestone for the company, showing its dedication and commitment and consolidating its position.. 18/03/2025Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	ALL LIFESTYLE News..

The importance of experience in health insuranceWhen choosing a health insurer, it’s important to go with someone who has proven experience.. 11/03/2025Read More >

Area	Town	Subject
Expat Tips	Camposol	Medical Matters

Spain's plan to introduce a new job seeker visa for foreigners to live and work after studyingTake out the stress of navigating Spain's new Job Seeker Visa Starting in May 2025, significant.. 10/03/2025Read More >

Area	Town	Subject
Legal & Financial..	La Manga Club	ALL LIFESTYLE News..

'Easy to use and no hidden costs': Expats and homeowners in Spain choose Currencies Direct for money exchangeThe money transfer service is emerging as one of the top choices in Spain for second home owners and expatriates alike..Read More >

Area	Town	Subject
Murcia Property..	Camposol	Camposol Trusted..

Renew your post-Brexit withdrawal agreement TIE: What you need to know to stay legal in SpainIn order to stay as a legal resident and avoid issues, act now with the help of Gestoría Carvajal.. 28/02/2025Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Surviving Spain..

Affordable care for elderly expats living in MurciaCaser Residencial Santo Ángel provides accessible healthcare for foreign retirees Murcia is.. 10/02/2025Read More >

Area	Town	Subject
Expat Tips	Murcia City	Medical Matters

Why is it best to have health insurance in Spain without copayments? Searching for health insurance in Spain? To make a good decision and look after your personal wellbeing in the..Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	Region of Murcia..

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..Read More >

Area	Town	Subject
Legal & Financial..	Camposol	Surviving Spain..

With ASSSA health insurance, protection throughout your life in Spain Age is a factor that health insurance companies take into account when assessing risk acceptance.. 13/01/2025Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	Medical Matters

Step into 2025 with confidence: Blacktower Financial Management is here for your financial journeyThe new year is the perfect chance to set new financial goals to achieve the lifestyle you want .. 09/01/2025Read More >

Area	Town	Subject
Legal & Financial..	San Pedro del Pinatar..	Surviving Spain..

Start the New Year with peace of mind: Arrange your will with HeniamTo arrange a will this new yeat, contact the experts at Heniam & Associates If your New Year&.. 27/12/2024Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Murcia Lifestyle..

Do you want to live in Spain? ASSSA is the perfect medical insurance for Visas and Residence Permits If you need private health insurance to obtain a Spanish residence permit or visa (Spanish.. 09/12/2024Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	Healthcare

Community of owners in Spain: The job and function of the president of the community of neighboursThis article details the roles of the president, and the means by which one becomes the head of the&.. 02/12/2024Read More >

Area	Town	Subject
Legal & Financial..	La Manga Club	ALL SPANISH NEWS

Save money on your energy bills in 2025 with Spanish EnergyGet a free energy comparison in English to save money on your house bills in Spain for the new year.. 28/11/2002Read More >

Area	Town	Subject
Legal & Financial..	Camposol	Murcia Property..

Your health well insured in SpainUnhappy with your health insurance in Spain or looking for one that fits your needs? If your health.. 14/11/2024Read More >

Area	Town	Subject
Expat Tips	Camposol	Camposol Lifestyle..

Get your house in order before the end of the year: Create a Spanish will with HeniamWhy wait for New Year’s resolutions? Secure your legacy in Spain today with a legally binding will.. 11/11/2024Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Surviving Spain..

Non-lucrative residence visa for Spain: A complete guideHow to retire to Spain and live there permanently with a valid visa If you’re considering moving.. 04/10/2024Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Surviving Spain..

Understanding Spain's Digital Nomad Visa and how to get oneWorking remotely from Spain is a great opportunity to make your dreams of living in the sun a reality.. 23/09/2024Read More >

Area	Town	Subject
Legal & Financial..	Cartagena	Documentation and..

How to obtain a Spanish NIE numberThis identity number for foreigners living in Spain is needed for all legal and official procedures Negotiating..Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	ALL LIFESTYLE News..

Powering your home and your future: The benefits of solar energyYou can use the sun's rays to generate energy for your home, charge your electric car and even heat your pool..Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	Murcia Property..

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..Read More >

Area	Town	Subject
Legal & Financial..	El Valle Golf Resort..	Funeral Plans and..

What happens if you die abroad?Your funeral and repatriation from abroad costs may be covered by your insurance or not When a loved one dies abroad..Read More >

Area	Town	Subject
Legal & Financial..		Funeral Plans and..

Navigating UK pension transfers to Spain: A strategic approachBlacktower Financial Management can help transfer a UK pension to Spain for expats by Keith Littlewood.. 04/06/2024Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	Banking Investment..

Navigate the Spanish property market with Heniam conveyancing servicesExpert guidance through every step of real estate purchases in Spain with Heniam & Associates.. 03/06/2024Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Surviving Spain..

The advantages of choosing a funeral plan over funeral insurance in SpainDiscover how pre-planning your final wishes with Compare Funerals Spain can offer peace of mind and practical.. 30/05/2024Read More >

Area	Town	Subject
Expat Tips		Funeral Plans and..

Heniam teams up with The National Will Register for comprehensive will servicesMurcia-based administrative assistants Heniam & Associates can draft a will for UK expats anywhere in.. 24/05/2024Read More >

Area	Town	Subject
Expat Tips	El Valle Golf Resort..	Funeral Plans and..

6 key factors for choosing a good health insurance in SpainTop things to consider when looking for a health insurer in Spain Its climate, gastronomy and culture means that..Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	All Murcia News

Heniam offer services in Mar Menor Golf Resort, La Torre, La Manga Club and Santa RosaliaThis successful Murcia business is expanding its operations to the main golf resorts in the Region.. 20/05/2024Read More >

Area	Town	Subject
Murcia Mar Menor..	Region of Murcia	Region of Murcia..

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.. 17/05/2024Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	Surviving Spain..

Good service, a key factor in health insuranceQuality customer service is vital to help you get the healthcare coverage you need in Spain When.. 15/04/2024Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	All Murcia News

Find bilingual candidates with real estate and admin experience for your company in SpainWorkinSpain supplies Spanish companies with the right multilingual staff to meet their needs In the.. 18/03/2024Read More >

Area	Town	Subject
Legal & Financial..	Camposol	Surviving Spain..

Free advice on Spanish wills alongside pre-paid funeral plans with Compare Funerals SpainProtect your legacy with Compare Funerals Spain's comprehensive funeral plans and will service.. 12/03/2024Read More >

Area	Town	Subject
Expat Tips		ALL LIFESTYLE News..

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!..Read More >

Area	Town	Subject
Legal & Financial..	Mazarron	Surviving Spain..

Digital signature in Spain: Why do I need a digital certificate and how do I get one?Paperwork and admin in Spain can be made much easier with the help of an electronic signature, which you can obtain online..Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	ALL LIFESTYLE News..

Affordable, comprehensive funeral plans in Spain with Compare Funerals SLCompare Funerals is committed to providing the highest quality of care and support throughout Spain Compare Funerals..Read More >

Area	Town	Subject
Cadiz Andalucia		Funeral Plans and..

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..Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Surviving Spain..

Arrange both UK and Spain wills with HeniamTake advantage of streamlined asset management and take care of British and Spanish assets with one company at the same..Read More >

Area	Town	Subject
Legal & Financial..	Los Belones	Surviving Spain..

Does Spain allow dual citizenship with the UK?Long-term residents in Spain or those with family links can apply for citizenship Many foreigners.. 13/11/2023Read More >

Area	Town	Subject
Expat Tips		Surviving Spain..

The importance of making a will in SpainThe team at Heniam & Associates can help get your affairs in order Image: Freepik Having a..Read More >

Area	Town	Subject
Legal & Financial..	La Manga Club	Surviving Spain..

How to register an association or charity organisation in SpainSetting up an association in Spain involves several steps and legal requirements An association or charity is a..Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	ALL LIFESTYLE News..

Understanding the Power of Attorney in Spanish real estate transactionsUsing a qualified representative in property transactions in Spain can save you time, money and hassle Navigating..Read More >

Area	Town	Subject
Expat Tips	Region of Murcia	Legal and Financial..

The best way to handle your pension when moving abroad, by BlacktowerEverything you need to know about transferring your private pension to QROPs When considering a move abroad, one..Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Banking Investment..

The benefits of hiring a tax and financial assistance lawyer in SpainIs it worth contracting the services of a legal professional in Spain to help with your taxes and paperwork? Navigating..Read More >

Area	Town	Subject
Alicante Vega Baja..	Los Alcázares	Surviving Spain..

Step-by-step guide on how to apply for Spanish citizenshipFind out how the residency rules in Spain work, eligibility and how to apply for citizenship For those planning..Read More >

Area	Town	Subject
Expat Tips	Costa Blanca	Surviving Spain..

Upload your CV to find a job and work in SpainThe easiest way to get a job is by uploading your resumé to an employment site It’s not always easy..Read More >

Area	Town	Subject
Legal & Financial..		Living in Spain

How to register as a resident in SpainAnyone habitually resident in Spain should be included in the official census or padrón By law, any foreigner..Read More >

Area	Town	Subject
Legal & Financial..		Padrón, Voting..

How to register your foreign studies and certificates in SpainIf you have documents and academic certificates from abroad, you will need to have them officially recognised to be able..Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Surviving Spain..

Everything you need to know to work in Spain with a student visaThere are several work options open to foreigners on a student visa in Spain Every year, students from all around..Read More >

Area	Town	Subject
Legal & Financial..		Murcia Lifestyle..

The 7 top types of visa for Brits moving to Spain after BrexitGet a visa to live in Spain post-Brexit — find out which kind of visa you should get that is best for you..Read More >

Area	Town	Subject
Legal & Financial..	Region of Murcia	Surviving Spain..

Early retirement in Spain: the little-known benefit that lets you retire at 52Here’s how to ‘retire’ early in Spain if you become unemployed at the age of 52 Taking early retirement..Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Everything you need to know about applying for a Spanish Work VisaAnyone from outside the EU, including UK citizens, will need a permit to work legally in Spain Each year, Spain..Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

When it comes to legal issues in Spain, always go to the Best Lawyers: Abad AbogadosFor your legal issues, use Isaac Abad, the “Best Lawyer 2022” in Tax Law at the “Best Lawyers” awards..Read More >

Area	Town	Subject
Legal & Financial..		Legal and Financial..

Understanding the Funeral Process in Spain will help to avoid stress at a difficult timeIn Spain, it is the norm to plan ahead for your funeral. It’s all part of making things easier for the family..Read More >

Area	Town	Subject
Legal & Financial..	Camposol	Murcia Lifestyle..

Thinking of a sunny retirement in Spain? Make sure you’ve got an expat funeral plan.Thinking of a sunny retirement in Spain? Make sure you’ve got an expat funeral plan so you can kick back and relax..Read More >

Area	Town	Subject
Legal & Financial..		Murcia Lifestyle..

4 things you probably did not know about inheritance tax in Spain... but should!What to know about inheritance tax and law in Spain before you make a will or accept someone’s inheritance..Read More >

Area	Town	Subject
Legal & Financial..	Condado de Alhama..	Surviving Spain..

PALS Solicitor for your tax, conveyancing, inheritance and all legal advice in the Costa CálidaOver 20 years providing trusty and reliable help to residents and non-residents with offices in Puerto de Mazarró..Read More >

Area	Town	Subject
Legal & Financial..	Puerto de Mazarr..	Property Puerto..

Blacktower shares 3 steps to turn your cryptocurrency profits into an investment for your futureMany people have already found the benefits of making money with cryptocurrencies, but what should you do.. 11/02/2022Read More >

Area	Town	Subject
Legal & Financial..	San Pedro del Pinatar..	Banking Investment..

Heniam & Associates La Manga Club for conveyancing, paperwork, administrative and translation services in the Murcia region Costa CálidaIt can sometimes seem that living in Spain involves an endless and frustrating battle with legal and administrative.. 09/12/2021Read More >

Area	Town	Subject
Expat Tips	La Manga Club	Murcia Lifestyle..

Becoming resident in Spain: what about taxes and finances?Prior to Brexit, many people were trying get away with not declaring their taxes properly in Spain.. 04/11/2021Read More >

Area	Town	Subject
Expat Tips	San Pedro del Pinatar..	Surviving Spain..

Getting easy-to-understand financial advice in SpainSpanish bureaucracy and constantly changing rules can be extremely frustrating, so where can you find straightforward.. 20/10/2021Read More >

Area	Town	Subject
Legal & Financial..	San Pedro del Pinatar..	Taxation and Finance..

Important considerations to manage the financial Impact when moving to Spain. Blacktower Financial ManagementFor many years people from the UK have been coming to Spain to live full or part time and in many cases it.. 16/07/2021Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

10 years in Spain - What has happened Keith Blacktower Agent & AdvisorThis year will be my tenth anniversary of coming to live in Spain. Like many expats, over the years I have been impacted..Read More >

Area	Town	Subject
Legal & Financial..	San Javier

Heniam & Associates La Manga Club providing legal advice, conveyancing and paperwork services Founded by Emily Smith, Heniam & Associates (“Heniam”) is a business with two offices in.. 05/05/2021Read More >

Area	Town	Subject
Legal & Financial..	La Manga Club

Heniam & Associates La Manga Club for paperwork and administrative services in the Murcia region Costa CálidaIt can sometimes seem that living in Spain involves an endless and frustrating battle with legal and administrative paperwork..Read More >

Area	Town	Subject
Legal & Financial..	La Manga Club	Murcia Lifestyle..

Make savings when moving money to your Spanish bank accountAn essential part of many expats’ lives is moving your savings, wages, or pension from your country.. 01/05/2020Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

ERTE temporary redundancy schemes and how they affect businesses and the workforce ERTEs are likely to affect millions of employees in Spain during a prolonged coronavirus crisis.. 17/03/2020Read More >

Area	Town	Subject
HOME PAGE	Region of Murcia	Region of Murcia..

How to make a Will in SpainIf you have assets in Spain it is essential to make a Will In our own household the impending departure.. 25/02/2020Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Why some Spanish bank accounts are being blockedAccounts are not being blocked because of anything to do with Brexit; account holders must re-affirm their.. 04/02/2020Read More >

Area	Town	Subject
Murcia Region	Region of Murcia	Surviving Spain..

What products and rates available for Expats to acheive best income on investments.Best Income for Expats - Update Blacktower Financial Management (International) Limited Here is a brief resume of what..Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Spanish law, driving with children in Spain Seatbelt law, child restraints,whilst driving in Spain When booking a rental car it is vital to make.. 14/07/2013Read More >

Area	Town	Subject
Legal & Financial..		Motoring

Applying for new or replacement passports as a British national living in Spain Changes to the system for Spanish-based expats came into effect on 13th May 2013 Changes to the procedures for obtaining..Read More >

Area	Town	Subject
Legal & Financial..		Documentation and..

Importance of the Certificate of HabitationCertificate of Habitation Licencia de Primera Ocupación. Every new property in Spain must be issued with..Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Europe Direct Information Centres in Spain These European Commission Centres exist to help EU citizens find practical information and advice on exercising.. 18/03/2013Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Beware bogus emails from the Tax office The Hacienda will never contact residents in this fashion. Bin them Beware the bogus websites Occasionally.. 13/03/2013Read More >

Area	Town	Subject
Legal & Financial..		All Murcia News

Be informed, property tax is calculated on the book value of property, not mid crisis prices The taxman does not understand the concept of bargain homes This is a very interesting aspect of the.. 26/02/2013Read More >

Area	Town	Subject
Legal & Financial..	Murcia Property	Murcia Property

Obtaining planning permission for any works on your property is now more important than ever LOTUP, Ley de ordenación del territorio, urbanismo y paisaje (urban and landscape planning and zoning.. 15/02/2013Read More >

Area	Town	Subject
Legal & Financial..	Murcia Property	Murcia Property

Uninsured Brits face massive medical bills if things go wrong in Spain Over-55s risk huge medical bills by failing to take out comprehensive holiday insurance The British.. 13/02/2013Read More >

Area	Town	Subject
Legal & Financial..		Medical Matters

Be aware of changes to the law when making large cash transactions in Spain Cash limits on transactions Changes in the law continue to come thick and fast in an attempt to generate.. 18/01/2013Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Your queries: what is the law regarding transportation of gas bottles? It is completely illegal to put gas bottles on the back seat of the car. No matter how many hours.. 07/12/2012Read More >

Area	Town	Subject
Legal & Financial..		Useful miscellaneous..

Spanish gas scams: the facts Gas inspectors, is this a scam? A local reader asked us to verify if the company who charged.. 12/12/2012Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Your queries: What is the difference between fiscal and civil residency? What constitutes a Spanish resident, and should I pay my taxes here or in the UK? Many expats who.. 20/11/2012Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Have you got visitors coming over from the UK this year? Nearly half of the Brits travelling to Spain don´t realise they will have to pay for medical costs.. 18/07/2012Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

New Residency requirements for EU citizens living in Spain Important, Changes to Spanish Residency laws affect Spanish health cover arrangements. There has been.. 17/07/2012Read More >

Area	Town	Subject
Legal & Financial..		Surviving Spain..

Registering on the PadrónRegion of Murcia, Registering on the Padrón What is the padrón? Empadronamiento (or Padró..Read More >

Area	Town	Subject
Legal & Financial..	Bullas	Padrón, Voting..

Health Provision and Insurance in Spain Healthcare in Murcia The question of whether we are entitled to receive healthcare in Spain is a complicated..Read More >