Buying in Spain from Ireland, with your case ready before the bank sees it.

A Spanish bank expects income evidence in its own format. Your payslips, your Employment Detail Summary, your Form 11 returns or your pension statements are not wrong — but they need to be presented with a clear explanation of what they show and how Irish income works. We translate the documentation and the context, whatever your profile.

Who this is for

• PAYE employees, including pay in RSUs or share options
• Sole traders and self-employed professionals
• Retirees with Irish State, occupational or private pensions
• Landlords with rental income in Ireland

If you own or run an Irish limited company, the Spanish bank needs to understand the business, what you actually draw from it and how it fits with your personal tax returns. We present your company accounts and personal returns together, so the underwriter sees a clear income picture instead of a foreign company they need to research.

Who this is for

• Directors of Irish limited companies
• Owners paid through salary plus dividends
• Shareholders in family businesses
• Buyers with income from more than one activity

In Spain, the notary, the land registry and the tax office are separate steps, each with its own costs. Transfer tax depends on the region, and a new build carries VAT instead. Financing a property you buy to invest works differently from financing the home you will live in. We lay out every cost and every step before you commit.

Who this is for

• First-time international buyers
• Buyers who have not yet budgeted total acquisition costs in Spain
• Buyers purchasing new-build (IVA + AJD instead of ITP)
• Investors buying a property to rent out

Spain taxes non-resident owners on their property every year, and the Ireland–Spain double taxation agreement shapes how that sits with your Irish tax. If you spend more than 183 days a year in Spain, you will normally become tax resident here, which changes the picture. We make sure you see this before you buy and tell you when it is time to bring in a tax specialist.

Who this is for

• Irish tax residents buying a second home in Spain
• Buyers planning to relocate and become Spanish tax residents
• Buyers purchasing as an investment with rental income
• Retirees splitting time between Ireland and Spain