David Mateo
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Non-Resident Mortgage in Portugal: Banks and Limits
How non-residents get a mortgage in Portugal: loan-to-value, documents, Euribor and spreads, the 0.6% stamp duty on the loan, insurance, early repayment fees and a worked example on €250,000.
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Portugal Golden Visa and Real Estate: What Changed
Portugal closed the real estate route of its golden visa in October 2023. What remains, what the stay and naturalisation rules are in 2026, and what it means for property buyers.
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Buying Property in Murcia (Costa Cálida): Guide
A guide for foreign buyers in the Region of Murcia and the Costa Cálida: areas, price signals with dates, the 7.75% resale tax, a cost example on €200,000 and what to check locally.
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Spain Holiday Rental Rules and Licences
The rules for letting a home to tourists in Spain: regional licences, the national registry that the Supreme Court struck down in 2026, the community vote and what to check before you buy a rental property.
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Portugal Non-Resident IMT: What Changed and What to Check
The 2026 change to IMT for buyers who are not tax resident in Portugal: the flat 7.5% rate, the legal instruments, the three exceptions with refunds, the payment timing and the points still to confirm.
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Spain Golden Visa Has Ended: Options for Buyers
Spain closed the real estate golden visa on 3 April 2025. What happened, what it means for pending applications and existing holders, and the residence routes that remain for property buyers.
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Buying Property in Spain as an Irish Citizen: Guide
How Irish buyers can buy in Spain as EU citizens: no visa, the NIE and registration, the Ireland–Spain tax treaty, healthcare, buying costs and what to check about Irish tax.
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Buying Property in Spain as a Canadian: Tax and Rules
What Canadians need to know before buying in Spain: the 90/180-day limit, tax residency, the T1135 form, healthcare, rental income, buying costs and the visa options.
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Algarve vs Silver Coast: Where to Buy in Portugal
Algarve or Silver Coast? A comparison of asking prices per square metre, directional rental yields, airports, climate and the practical trade-offs, with the Portuguese non-resident IMT in mind.
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Renting Out Property in Spain: Licences, Taxes, Rules
How to rent out a home in Spain: long-term lets under the LAU, holiday lets, the non-resident tax on rental income (19% or 24%), Modelo 210 deadlines and the costs to deduct.