Ex-pats living in Spain

Living in or moving to Spain requires trusted advice to ensure that all legal and compliance requirements are met. Understanding these requirements is a challenge in itself, let alone ensuring that all your investments are appropriate to your needs. Think of the times when you may have incorrectly completed a form or missed the opportunity to claim the most appropriate tax relief whilst living in the UK.

Financial solutions that may be appropriate for British nationals living in the UK are unlikely to remain so for anyone who takes up permanent or temporary residence abroad. Moving abroad to live necessitates a comprehensive review of your financial position and expert advice.

By drawing on expertise in UK and Spanish tax jurisdictions, we are able to help maximise tax planning opportunities, help generate income from your investments, ensure estates pass on in the most tax efficient way and avoid potential tax planning pitfalls.

St. James's Place has specially designed a tax efficient investment plan which benefits from advantageous tax treatment in Spain and is underpinned with the St. James's Place Guarantee.

We also have access to specialists who can advise on the legal aspects of buying, owning and letting out a property in Spain. Your beneficiaries and/or your estate may be subject to Spanish and/or UK Inheritance Tax. Therefore, you could pay twice on the same assets, so it is important to seek advice before moving.

We can also call upon the expertise of specialists who can advise on:

  • Tax efficient rental income*
  • Spanish & English Wills that work together*
  • Spanish Wills*
  • Purchasing a property tax efficiently*

* These services are separate and distinct to those offered by St. James's Place.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends of individual circumstances.