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When is your tax freedom day?

IF you ever had the feeling that you have spent half your working life just paying tax, you are not far wrong. What with income tax, National Insurance, capital-gains tax, VAT, council tax and so on, a considerable amount of our income goes straight to the taxman, each year. Even if you are retired, you […]

UK political drama inspires sterling volatility

STAYING on top of the latest currency news can help you time your transfers more effectively, so find out what you should be looking out for, over the next couple of weeks. The past couple of weeks saw a volatile pound react to a flurry of UK political news, with the GBP/EUR exchange rate trading […]

Deputy Head of Mission urges UK Nationals in the Canary Islands to get ready for Brexit

Tim Hemmings, Deputy Head of Mission to Spain, is visiting the Canary Islands from 10 to 12 September. A key focus of the visit will be two events to talk to UK Nationals about Brexit, in particular to ensure that they have done what they need to be ready for when the UK leaves the […]

Uprating guarantee for UK State Pension recipients living in Spain

The UK government has announced that it will continue to uprate the UK State Pension paid to people living in the EU each year for the next 3 years. The UK State Pension has already been uprated in the EU for the year April 2019 to March 2020. The government has now committed to uprating […]

Euribor’s historic low rate boosts mortgages and breaks all records

EUROZONE interest, which has hit a new low, is expected to break all records in Spain at the close of last month, having dropped to -0.354%. Although the official month-end figure will not be announced by the Bank of Spain until after this weekend, the plunge in the interest rate for the countries using the […]

Euro under pressure, but GBP still falls from multi-week highs

STAYING on top of the latest currency news can help you time your transfers more effectively, so find out what you should be looking out for, over the next couple of weeks. Hopes that the UK government might be able to reach a withdrawal agreement with the EU, before 31st October, sent sterling soaring last […]

Boris Government break causes fury among opponents

PRIME MINISTER Boris Johnson, who has taken a controversial decision to suspend Parliament, has received approval from the Queen… but fury elsewhere. The suspension will take effect from 10th September until 14th October, just two weeks before the proposed date for Brexit of October 31. But it is alleged that the move was proposed to […]

Is your financial planning in shape for today?

WHEN was the last time you gave your finances a health check? If it was a while ago, you could be paying more taxes than necessary, or missing out on new opportunities. You will benefit most from a holistic review, looking at how your savings, investments, other assets, tax planning, pensions and estate planning are […]

Landlords relax – Liberty Seguros has you covered!

HUNDREDS of thousands of expats own property in Spain, and a large percentage of these are rented out, either long or short term. Whether you are a seasonal or year-long landlord, there is great money to be made renting your property out, whilst you are away! However, there is potential risk and worry, when someone […]

Pensions advice in Spain: six tips for getting it right

WITH so many options for UK pensions, it can be difficult to know what to do. While any financial transaction brings a degree of risk, pensions are especially valuable, so making the wrong decision can be disastrous. This is an area where quality, expert advice is vital. These tips can help you avoid costly mistakes […]

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