Address:
Buzon 143
Calle Mimosas 16
Montebello
Algorfa
03176
Alicante
Buzon 143
Calle Mimosas 16
Montebello
Algorfa
03176
Alicante
I moved to Algorfa in Alicante Province in September 2007,with my wife Tricia, having spent over 35 years in Banking, Building Societies, and Insurance. I am fully FPC qualified and hold the CeMap mortgage qualification.
I have gained considerable working knowledge of the Spanish tax system, and have helped many people register in the system, in order to gain access to the benefits that TAX RESIDENCY bring
You can contact me by telephone or e-mail on:
+34 966 713 057 (office)
+34 686 242 103 (mobile)
info@davidbatesfinancialadviser.net
I have gained considerable working knowledge of the Spanish tax system, and have helped many people register in the system, in order to gain access to the benefits that TAX RESIDENCY bring
You can contact me by telephone or e-mail on:
+34 966 713 057 (office)
+34 686 242 103 (mobile)
info@davidbatesfinancialadviser.net
About me
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Authorised and regulated under Registro Direccion de Seguros y Fondos de Pensiones J-2209
Concertado seguro de reponsabilidad civil professional exigido po la Ley 9/1992
Concertado seguro de reponsabilidad civil professional exigido po la Ley 9/1992
Welcome to David Bates Financial Advisor on the Southern Costa Blanca in Spain
Whether you are looking to buy a holiday home or permanent residence here in Spain, you should always speak to an Independent adviser, with experience of Spanish mortgages, with connections to a wide mix of Spanish and Foreign lenders. By having such diversity, I ensure you get the best deal available, to suit your particular circumstances. If you already own property in Spain and need to release money to improve your quality of life, there area a number of options open to you also. NEW !! Self-certification mortgages for non-residents, up to 70% ltv (12th August 2008)
If you are thinking about an inspection trip with one of the major developers, remember that you do not have the choice to use independent lawyers or lenders, and could end up with the wrong deal, as well as other potential problems.
For more information click here
If you are thinking about an inspection trip with one of the major developers, remember that you do not have the choice to use independent lawyers or lenders, and could end up with the wrong deal, as well as other potential problems.
For more information click here
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Mortgage Services
Spanish Taxation
Understanding Spanish Taxation can be quite complex, there are laws for non-residents and residents. There are varying degrees of understanding of what you should or should not be doing, even among Spanish Abogados (solicitors)and Asesorias (tax advisers)Whilst I would be more than happy to provide you with the correct information and arrange to get you registered in the system properly, please ensure that, whoever you choose to carry out this work on your behalf, is experienced in such matters. The penalties for not dealing with tax in accordance with Spanish Tax Law can be very expensive.
The basic rules are:
If you spend more than 183 days in any year (January - December) in Spain, you MUST have your tax affairs dealt with in Spain
Unless you receive a pension from a Civil Pension, such as Army, Navy, RAF, Civil service, all other income has to be taxed here.
Government pensions can only be paid and taxed in the UK.
If you are not sure of your position in respect of taxation, please click on the following for more information, or alternatively, call me for an initial chat
The basic rules are:
If you spend more than 183 days in any year (January - December) in Spain, you MUST have your tax affairs dealt with in Spain
Unless you receive a pension from a Civil Pension, such as Army, Navy, RAF, Civil service, all other income has to be taxed here.
Government pensions can only be paid and taxed in the UK.
If you are not sure of your position in respect of taxation, please click on the following for more information, or alternatively, call me for an initial chat
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Savings and Investments
Protecting your capital against the effects of inflation and obtaining growth is particularly important to many of my clients. The majority are retired, some on fixed pensions, which can be eroded by the effects of currency exchange rate fluctuations. If you are concerned about this aspect or require any more information, please click the next link and then contact me for a no obligation health check of your finances
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Other Services
" I am here to help, please contact me between the hours of 9 am and 6pm (GMT+ 1 HOUR )"
Listed below are the services I offer. The main "driver" that underpins Spanish financial life is Tax. I will start your personal review with an assessment of your tax status in Spain, before addressing any other needs you may have
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