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Moving to Spain in 2026? Spanish visa overview

Raymundo Larraín Nesbitt, October, 3. 2025

Marbella-based Larraín Nesbitt Abogados (LNA) has over 22 years of experience at your service. We offer a wide range of 60 legal and corporate services. Our team of native English-speaking lawyers and economists have a long track record of successfully assisting expats all over Spain.

You can review here our client’s testimonials.

Article copyrighted © 2025. Plagiarism will be criminally prosecuted

By Raymundo Larraín Nesbitt
Director of Larraín Nesbitt Abogados
3rd of October 2025

Introduction

Spooky October is upon us, and many people are now making plans on where to move next year.

Political turmoil is on the rise worldwide, with irresponsible politicians – from both sides of the aisle – fanning the flames of social polarisation in established democracies, with some now on the brink of open civil war. It only takes a spark to unleash chaos, always a fine pretext for authoritarianism to take over the reins and restore order by way of curtailing people’s rights and freedoms, undoing what their forefathers fought so hard for.

If this is your case, and you are worried about the future of your country and your family's well-being, you may want to consider Spain as a plan B. As someone clever once said, “If you fail to plan, you plan to fail”.

Spain, governed by a progressive administration, is the second most visited country in the world, with over 94 million tourists every year. It’s a beautiful country to visit or live in. Gorgeous weather, delicious food, affordable prices, great amenities, friendly natives, and ultra-low taxation (in some regions) appeal to foreigners at large. Many of these tourists decide to settle down and buy a property in Spain.

In recent years, Spain introduced new immigration schemes with significant tax advantages associated for those who qualify: Beckham’s Rule  (named after the English football player) and the Digital Nomad Visa. The tax advantages offered by both are identical, mirroring each other.

Both of these allow applicants to pay NO tax on any assets or income held abroad. Moreover, on the income derived strictly in Spain, applicants pay only a flat fee, which is a mere fraction of the standard tax rates. These two immigration schemes have been purposely devised to attract foreign overachievers, so they relocate to Spain alone, or with their families. Due to their unique tax advantages, they are proving wildly popular amongst foreign applicants (more details below).

As a general rule:

  • If you are a non-EU national, and wish to stay in Spain for over 90 consecutive days, you need to apply for a visa. Please be advised that not all visas grant the right to work in Spain.
  • If you are an EU/EEA national, and wish to stay in Spain for over 90 consecutive days, you need to apply for a Spanish residency permit. This is cheap and fast-tracked (takes a few weeks). We offer this service: Spanish Residency permit for EU nationals (includes TIE card & NIE number).

 

Spanish visas allow you to live anywhere in Spain; you will be spoilt for choice: Barcelona, Costa del Sol, Granada, Madrid, Malaga, Mallorca, Santiago de Compostela, Seville, Sotogrande, and Valencia.

At LNA, we can help you attain a visa, or a residency permit, to live in Spain legally in record time at an affordable price. Your case will be handled by one of our immigration lawyers, assisted by a visa manager.

 

"Those who would give up Essential Liberty, to purchase a little temporary Safety, deserve neither Liberty nor Safety". – Benjamin Franklin

Benjamin Franklin (1706 – 1790). Founding Father of the United States. Exceptionally gifted statesman, scientist, inventor, diplomat, writer, printer, postmaster, and political theorist. He campaigned from early on for colonial unity. He was then tasked to raise funds in Europe for the War of Independence. Malaga’s cathedral only has one tower (known as ‘La Manquita’), as the funds were gifted to 13 struggling colonies in their War for Independence against a mighty overseas empire. He was one of the drafters and signers of the Declaration of Independence of the 4th July 1776. Appointed as the first United States ambassador to France, he exemplified the ingenuity and prowess of a young, emerging American nation.

Benjamin was a politician in his spare time; nobody’s perfect.

 

General requirements for all Spanish visas

 

Unlike in other countries, you are not required to have a minimum proficiency in Spanish to apply for a visa. Whilst this is true, I strongly urge you to learn the language, at least the basics, to better blend in and understand Spanish society. You will find that natives greatly appreciate the effort and will be far more accommodating towards you. Spanish is fairly easy to learn, by rapport to other languages, and is the second most important language in the world. It is the official language of 21 countries.

The following five are staple requirements across all visa types:

  1. Non-EU national
  2. Hire private health insurance
  3. Clean criminal record, no trace (previous 5 years)
  4. Be financially self-supporting (you will not claim benefits)
  5. Not be living in Spain illegally at the time of making the visa application

 

Spanish visa overview

 

At LNA, we can assist you in filing all four visas listed below (plus Beckham’s Rule, which is not a visa, it’s a tax scheme).

Some visas suit applicants better than others. Some offer unique tax advantages:

1. Digital Nomad Visa (tax-free visa)

After the demise of the Golden Visa, the DNV was next in line to occupy the visa throne as the most sought-after in Spain. DNVs extend to family members i.e. spouse and children up to the age of 25 years old. It allows applicants to work remotely from Spain i.e. teleworkers.

The main advantage is its privileged taxation. It grants applicants a special tax regime whereby they pay ultra-low tax (or in most cases none at all!) as opposed to standard tax rates that apply to Spanish tax residents. This visa is for up to 6 years and is attained by us in under 3 weeks.

Key tax advantages:

  • No tax on assets & income abroad. This is of special interest for applicants holding substantial assets and overseas earnings (i.e. HNWIs), which would all go untaxed by Spain.
  • Pay a flat tax rate of 24% on the first €600,000 of gross annual earnings in Spain. This translates into tax savings of 50%, or more, on income derived strictly within Spain.
  • Not required to file a 720 tax return (unlike Spanish tax residents)
  • Not required to file Wealth Tax (unlike Spanish tax residents)
  • Automatic tax deferrals on call (unlike Spanish tax residents)

 

Suitable for:

  • International teleworkers
  • Self-employed (freelancers) who manage their foreign business remotely
  • HNWI and UHNWIs

 

Further reading: Digital Nomad Visa explained (tax-free visa)

2. Marriage Visa – Family Regroupment Visa

It’s intended for families or couples that have been separated, in and out of the EU. It seeks to reunite them in an expedited manner within the EU. So, although this type of visa is popularly dubbed as ‘Marriage Visa,’ it would rather be more appropriate to label it as ‘Family Visa’.

Its scope goes well beyond a married couple. It ought to be understood in broader terms, as in family reunion. As its name implies, couples can be married (including same-sex partners), this is the core requirement. Alternatively, civil partnerships are also accepted. This visa allows you the right to work in Spain. This visa has low fees, and is fast-tracked, taking between one to four weeks. This visa is for 5 years.

Suitable for:

  • Separated family members who wish to reunite within the EU
  • Married couples
  • Non-married couples

 

Further reading:  Marriage Visa explained

3. Retirement Visa – Non-Lucrative Visa (NLV)

This is Spain’s Pensioner’s Visa. It allows applicants to live but not work in Spain. Only retirees should apply for it.

The applicant will be expected to be financially self-supporting and will be required to prove he or she has enough savings for at least two years. This visa is ideal for retirees who wish to spend extended periods of time in Spain – without working – enjoying the finer things in life.

It is the cheapest visa available. It takes 2 to 3 months. This visa is initially for 1 year, and then it works on 2-year renewals.

Suitable for:

  • Pensioners

Further reading: Pensioner’s Visa explained

4. Business Visa – Lucrative Visa

As its name implies, this permit allows the applicant to work in Spain as self-employed. This residency applies to someone looking to set up their own business in Spain. This requires a proactive hands-on attitude. Typically, you will be acting as a director, or managing director, overseeing a company. Needless to say, one of the key requirements is that you will have enough means to be self-supporting, both for yourself and your family, for one year.

The catch, besides a cast-iron motivation, is that you need to invest in the ballpark of €80,000 to €100,000 to open & run a business in Spain. You will also be required to hire employees and enrol them in Spain’s Social Security (the cornerstone of this visa). Visa renewals are contingent on the business making a profit every year. This visa allows you, and your family, the right to work in Spain as self-employed. This visa has associated the highest fees, is the most difficult to secure and also takes the longest (3 to 4 months).

Suitable for:

  • Entrepreneurs
  • Applicants (families) wishing to set up and run a business in Spain
  • Self-employed

 

Further reading:  Lucrative residency permit (Business Visa)

5. Beckham’s Rule

Please note this is not a visa. It applies to EU/EEA nationals (who do not require a visa).

It also applies to non-EU nationals who have first successfully attained a Digital Nomad Visa.

It is a special tax regime whereby taxpayers pay low tax, or none at all.

EU/EEA nationals who relocate to Spain on the back of a job contract offered by a Spanish employer may apply. It offers identical tax advantages to the Digital Nomad Visa. It has moderate fees, and the procedure is expedited. It takes under a month to attain.

Suitable for:

  • EU/EEA nationals
  • Digital Nomad Visa holders
  • High-ranking expatriate employees
  • HNWI and UHNWIs

 

Further reading: Beckham’s Rule explained

 

LNA has a 100% track record of attaining Spanish visa & residency permits since 2013. We have assisted over one thousand satisfied visa clients and their families.

At Larrain Nesbitt Abogados (LNA) we have over 22 years of experience specialising in taxation, and property conveyance. We also assist clients with immigration & residency visas and inheritance procedures (probate). You can contact us by e-mail at info@larrainnesbitt.com, by telephone on our UK line (+44) 0754 3838 218 or Spanish line (+34) 952 19 22 88, or by completing our contact form.

Please note the information provided in this article is of general interest only and is not to be construed or intended as substitute for professional legal advice. This article may be posted freely in websites or other social media so long as the author is duly credited. Plagiarizing, whether in whole or in part, this article without crediting the author may result in criminal prosecution. Ní neart go cur le chéile. VOV.

Larraín Nesbitt Abogados, small on fees, BIG on service.
2025© Raymundo Larraín Nesbitt. All Rights Reserved.

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Santiago de Compostela: The road to God

Raymundo Larraín Nesbitt, September, 16. 2025

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Galicia combines nature and spirituality 

16th of September 2025

I continue today with my running series on top places to buy and live in Spain. You can find older entries on this series scrolling down below. These impromptu light-hearted guides are not meant to be exhaustive; they are just there as a lighthouse to shed light on an area’s main highlights and landmarks.

Introduction

Long before the shadow of Rome, and the advent of Christianity, Galicia was a mysterious verdant land, shrouded in mist, home to the fabled Keltoi, or Celts as we know them today. It is in fact the seventh Celtic nation alongside the traditional six Celtic nations of Ireland, Scotland, Wales, Brittany, Cornwall, and the Isle of Man. The Celts inhabited fortified hills known as castros. Despite Christianity, and the latter Roman influence, the spiritual Celts left an indelible mark on the land and its people, which is still apparent to this very day, including the musicality of its language (Galician).

Celts were skilled and resourceful warriors, who adapted fusing their own pagan beliefs with Christian ones, as can be gleaned from the cross with Celtic motifs which illustrates this very article. It is said druids still roam the land, preserving forests and Celtic traditions to this day. Your best chance is to look for them during the Autumn Equinox or the Samhain, when the barriers between our realm and the next are at their weakest; just try not to wander too closely to any druidic stone circles which dot the countryside at twilight (which allegedly harness natural energy from earth and sky). You really don’t fancy being transported to the otherworldly Fade; well, at least just yet!

Santiago de Compostela is much more than a pilgrimage centre; it has become a symbol. Nestled in the lush hills of northwest Spain, this Galician gem is more than just the end of the Camino de Santiago — it’s a place where history, faith, art, and daily life converge, creating a unique rhythm that draws visitors and inhabitants alike. The scallop shell is the symbol of the Camino de Santiago, the pilgrimage to Santiago.

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Pilgrim following St. James's Way, notice the scallop shell

Camino de Santiago – St. James's Way

For over one thousand years, Christian pilgrims travelled from every corner of Christian Europe to, what was then, the far edge of the world: The Road to Santiago. It is a long and winding road, not so much a physical journey, albeit a spiritual one. The long journey tests a pilgrim’s mettle, who is rewarded with peace and insight. You will meet plenty of like-minded Christians from all walks of life, from all over the world, who will share your same beliefs and family values. Some of the friendships you’ll make will last for life. St. James's Way is not so much about the final destination; it’s about the journey itself and the people you will meet along the way. Much like life itself.

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Celtic castro at Santa Trega, A Guarda, Galicia. Devised as a large maze for defence reasons.

The Roots: History & Legend

Santiago’s story is shrouded in legend. The remains of the Apostle Saint James are said to have been carried from Jerusalem to this lush land for its final resting place. This led to the foundation of Santiago's Cathedral in 1075 in his honour. It would take over two centuries, and multiple family generations, to complete this daunting task. Over the centuries, Santiago grew from a modest pilgrimage site to the capital of Galicia, weaving together Romanesque, Gothic, Baroque, and Renaissance artistry in its streets, plazas, and sacred buildings.

Walking through the Old Town (a UNESCO World Heritage site), you’ll see evidence of Santiago’s layered history: cobblestone alleys, majestic porticos, ancient cloisters, and façades showing every architectural chapter of Spain's North-West. The Cathedral of Santiago, with its Portico de la Gloria (Portico of Glory), is the star: spiritual, artistic, and an anchor for the pilgrim’s journey, and for the local community alike.

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Young pilgrim looks up in wonder at Santiago's Cathedral

Landmarks & Must-Sees

  • The Cathedral: Not just the pilgrimage’s endpoint, but an architectural wonder. Climb its towers (or the roof, for many) for sweeping views over the city and the verdant Galician hills.
  • Praza do Obradoiro: The grand square in front of the Cathedral; where pilgrims arrive, where locals pass by, where festivals are celebrated, where tourists marvel.
  • Monastery of San Martín Pinario: One of the largest monasteries in Spain; ornate, solemn, full of history.
  • Museo do Pobo Galego: Galicia’s soul is laid bare here — its people, language, art, urban traditions, farming, music etc.
  • Parque da Alameda: For fresh air, views over the old city and the distant cathedral spires, perfect for a sunset walk with Galician skies.

 

Galicia: Cradle of artists and intellectuals

Over the centuries, Galicia has been the birthplace of several renowned men and women. 

María Mayor Fernández de Cámara y Pita (epic soldier, courageous war heroine who bravely rallied the city troops in the defence of La Coruña against foreign sea raiders when all hope was lost; she single-handedly snatched victory from the jaws of defeat, turning the tide of battle and ensuring success through sheer force of will alone), Amancio Ortega Gaona (ingenious entrepreneur, businessman, billionaire, generous philanthropist), Manuel Fraga Iribarne (statesman, lawyer, elite civil servant, university professor at the Complutense de Madrid, ambassador, minister, creator of Spain’s Tourism Industry, founder of a political party), Adolfo Domínguez Fernández (fashion designer and businessman), José Calvo Sotelo (jurist and politician, his assassination sparked the outbreak of the Spanish Civil War), Ramón Menéndez Pidal (eminent historian and philologist), Rosalía de Castro (poet and novelist), Concepción Arenal (writer, activist and defender of feminism), Emilia Pardo Bazán (countess, novelist, journalist, literary critic, poet, playwright, translator, editor and professor), Camilo José Cela (writer, Nobel Prize laureate 1989), Ramón María del Valle-Inclán (dramatist and novelist, member of the Spanish Generation of 1898), Maruja Mallo (painter and artist), Luis Tosar (actor), Ramón G. Antonio Estévez (AKA Martin Sheen, US actor), Mario Casas (actor), Fernando Rey (actor), María Casares (actress), Luz Casal (singer), Carlos Núñez (musician), Xosé Manuel Budiño (musician), Jesús Vázquez (model and tv host), Paula Vázquez (model and tv hostess), Pablo Antonio Franco Otero (lawyer, youtuber, political activist, and bodyguard), Begoña Gerpe Álvarez (youtuber, political activist, exiled and lawyer).

 

Paula-Vazquez

The always glamorous Paula Vázquez

Foreign writers on Santiago de Compostela

Edith Wharton. She wrote about her 1920s pilgrimage to Santiago de Compostela in a travel diary that was later published as part of the book Return to Compostela. Her diary details the ancient Way of St. James and her pilgrimage through Spain.

We were resolved to miss no stage of the ancient way, and from Jaca we went to Eunate, Logrono, Estella, Puenta de la Reina and Burgos, and thence, by way of Fromista, Carrion de los Condes and Sahagun, to Leon, and across the Cantabrian Mountains to Oviedo.” Making “pious pauses,” she writes in her journal, they stopped “again and again, to pick up and follow the tired foot-prints of medieval early travellers.”

Ernest Hemingway. Hemingway visited Santiago in 1923. He only referenced the city indirectly in his famous novel The Old Man and the Sea. The Camino de Santiago represents a challenging path that leads to profound insights, mirroring the complex relationship between struggle and purpose in the lives of characters like Santiago in The Old Man and the Sea. The Nobel Prize in Literature 1954 was awarded to Hemingway "for his mastery of the art of narrative, most recently demonstrated in The Old Man and the Sea, and for the influence that he has exerted on contemporary style." 

"It is good to have an end to journey toward; but it is the journey that matters in the end."

Paulo Coelho. Walked the Camino de Santiago in 1986. This pivotal experience led to his spiritual awakening and was the basis for his first book, The Pilgrimage, published in 1987. It is a guide to self-discovery and finding one's own path, laying the foundation for the philosophical themes in his later, and more famous work, The Alchemist.

"Santiago is not the end of the Camino, but the beginning."

Life, Culture & Atmosphere

Santiago de Compostela is lively but doesn’t rush you. The pace is more “meandering walk through cobblestones” than “rush hour grind.” Café terraces spill into streets; street musicians, especially Celtic bagpipers, add soundtrack to your walks; and the sound of Galician (the local language with roots in Celtic) mingles with Spanish and a smattering of other tongues.

Festivals are woven into life: Feast of Saint James on July 25th is the big one, with processions, fireworks, music, and pilgrims from all over. Local fiestas, music nights, and gastronomic fairs happen throughout the year, bringing old and young together.

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A group of three Galician musicians. One of them is playing the traditional bagpipe (gaita) 

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The Tarta de Santiago is the most typical sweet of Galician cuisine

Gastronomy

Food here has soul. Think pulpo a la gallega (octopus with paprika), empanada gallega (Galician pie), hearty stews, and cheeses. You need to try the Pimientos del Padrón (grilled spicy green peppers). If you enjoy seafood, order a Mariscada Gallega, you can thank me later. And as a dessert, you can order Filloas (sweet crepes), but I heartily recommend a slice of a Tarta de Santiago (roasted almond cake, worth bargaining your soul for). The vineyards aren’t far; Albariño from nearby Rías Baixas finds its way into many tables, and local markets brim with fresh produce. Cafés are good spots to linger, chat, watch people, sometimes read, sometimes simply enjoy. Although Santiago is landlocked, the sea is only a 40 minute drive away. Galicia is world-renowned for its fresh seafood, second to none.

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Galician-style octopus

Modernity & Everyday Life

Although Santiago is steeped in tradition, it balances it well with modernity. Good infrastructures, universities (including the University of Santiago de Compostela, one of the oldest in Spain), vibrant cultural scene, decent public transit, well-preserved but lively neighbourhoods, and a constant flow of visitors and students.

The Atlantic weather is greener than most: frequent rain, temperate summers, mild winters. The surrounding landscapes are lush; walking outside the city is often rewarded with lavish forests dating back centuries, small rural villages, rivers, brooks, and tranquil spots (locus amoenus) dot the landscape. For those who love nature, the proximity to the Atlantic and Galicia’s wild rocky coast is a big plus. Here, nature rules unleashed.

Housing tends to be far more affordable than in major Spanish cities like Madrid, Barcelona, Valencia or Malaga. Though some parts of the old town are pricier (for their views, charm, and centrality). For many, the trade-off is worth it: heritage, community feel, greenery, and pace.

What makes Santiago special

  • It still retains a sense of pilgrimage: people from all over the world arrive on foot — this gives the city a spiritual (and human) dimension that’s hard to replicate elsewhere.
  • A strong Galician identity: language (Galician), music (gaita / bagpipes), folklore, cuisine, are seamlessly integrated.
  • Arts and festivals. A city that cherishes its past while staying alive: festivals, arts, the university, students, tunos (wandering university student musicians dressed in ancient costumes, each badge on their cape marks a love interest), tourists — all blending together with locals to create a vibrant, bustling city. Clearly, the Celtic volkgeist of its forefathers remains very much alive today.
  • Unspoilt natural beauty all year round. 

 

Who might love living (or visiting) Santiago

  • Those seeking atonement, for God is merciful, or who wish to give back to our Lord through sacrifice.
  • Lovers of history, architecture, and spiritual journeys.
  • People who prefer a slower pace, quality of life, and meaningful community ties over dehumanised fast-paced city hustle. Wifi and mobiles are best left at home. Santiago is all about human connection.
  • Students or academics (the university).
  • Nature lovers who don’t want to be isolated — Santiago combines access to its lush countryside and coast with modern city amenities.
  • Foodies who appreciate fresh produce, regional, seasonal cuisine, especially seafood.
  • Writers assailed by writer’s block who shy away from the mundane. If anything, the majestic land and historic sites will overflood your senses and inspire you. Who knows? You may even pull a Pulitzer or a Nobel Prize. It sure worked for Edith Wharton and Hemingway. Santiago is not the end, it's the beginning.

 

Galicia: terra das meigas – land of witches

It is rumoured that Galicia acted as a refuge in old times, inhabited by the descendants of the social outcasts who escaped unjust persecution throughout Europe during the Middle Ages and were burned at the stake. Witches, by nature, are deceitful and manipulative creatures burning with ambition. Whilst surely this can be chalked down to nothing more than old superstitions and folklore, I have long harboured lingering doubts about the nature of an ex-Spanish Minister of Economy, born in Galicia, now hiding at the heart of the EIB. She certainly does fit the bill. Eu non creo nas meigas, mais habelas hainas.

The Future

Santiago continues to evolve and thrive. Efforts in sustainable tourism, heritage preservation, improving public services, and balancing the influx of visitors are key. Local policies are increasingly embracing green spaces, pedestrian-friendly zones, and supporting local arts, language and gastronomy. The challenge is maintaining the authenticity while welcoming growth.

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Playa de las Catedrales on a foggy day, Galicia

In conclusion

Santiago de Compostela is far more than another worldly destination in your checklist; it’s a spiritual journey. The Camino de Santiago is an inner journey to know oneself. Its winding cobbled streets echo the footsteps of pilgrims over a millennium, but also resonate with the amalgamated culture and sense of community. For those seeking a place to rest their weary soul, with roots, beauty, purpose and charm, you’ll be hard pressed to find any better. Whether you visit for a weekend, stay for a term, or settle in for a lifetime, Santiago and its people will replenish your battered soul with their magic.

Galicia, terra de meigas
Galicia, land of magic

 

The Reclusive Spanish Billionaire Behind Zara's Fast Fashion Empire : NPR

«No tengo miedo a fracasar, tengo miedo a no intentarlo.» – Amancio Ortega
I'm not afraid to fail, I'm afraid of not trying

Amancio Ortega Gaona (1936). Born in Busdongo de Arbas (Leon) to a humble working-class family (his father was a rail worker). He dropped out of school at age 14. After working for many years for other people, in 1975 he opened his first Zara store. He would go on to create INDITEX, a holding company which included several known brands such as Zara, Massimo Dutti, Zara Home, Pull and Bear, and Bershka. Today, the group has over 6,000 stores open worldwide, employing over 160,000 workers, and with an annual turnover of €40 billion. He is a generous philanthropist who has donated several times cutting-edge medical equipment to the Spanish government, among many other charity works that remain undisclosed. Amancio is the greatest Galician ever, and one of Spain’s greatest sons.

Other entries in this running series:

 

Please note the information provided in this article is of general interest only and is not to be construed or intended as substitute for professional legal advice. This article may be posted freely in websites or other social media so long as the author is duly credited. Plagiarizing, whether in whole or in part, this article without crediting the author may result in criminal prosecution. Ní neart go cur le chéile. Voluntas omnia vincit.

2.025 © Raymundo Larraín Nesbitt. All Rights Reserved.

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The TRUTH About Spain Property Prices 2025

Hi Homes, September, 21. 2025

Hi Homes is a Marbella real estate agency founded in 2013 with a strong technological know-how. It has helped hundreds of international buyers find their dream property on the Costa del Sol — whether for permanent residence, a holiday home, or a strategic investment. They started as a humble vision and have now grown into a leading, tech-enabled boutique real estate agency with a dynamic team of property experts.

 

Hi Homes kindly interviewed me on my published Idealista article on the 8th of September 2025:  The TRUTH About Spain Property Prices 2025

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