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Introducing ourselves.

Posted: Fri Jun 1, 2018 8:40am
23 replies825 views10 members subscribed
Steve62

Posts: 22

7 helpful points

Location: La Marina

Joined: 2 Apr 2018

Hi everyone,

My name is Steve and my partners name is Emma. We are coming out to La Marina in October to meet up with the Barclays estate agent to hopefully purchase a property to live in permanently. We visited earlier this year and absolutely loved it, so we selling up and coming to live our dream in the sun. We have our bank account and NIES's sorted already and I have an independent advogardo to assist me in my purchase. I'm taking   early  retirement from the civil service at 56 year and 5 months and I'm hoping the pension they are giving me will be  enough for us both to live on ( £16,000) without the need to go into our savings ?   I believe I will get taxed on  my civil service pension at home so will not be liable for any further deductions in Spain, is this correct ? As my pension is our only source of income for now, do I  need to declare it on the yearly tax returns ?

Sorry for all the questions guys, but I'm someone who likes to plan in advance and be aware of what is in       front  of me. 

ColinL

Posted: Sat Jun 2, 2018 11:37am

ColinL

Helpful member

Posts: 114

124 helpful points

Location: La Marina

Joined: 12 Mar 2017

Posted: Sat Jun 2, 2018 11:37am

Hi there, best of luck with your plans - I bet you're excited!! You'll find loads of advice based on other peoples' experience (some good, some bad - that's life I guess!). The best advice I can give you is that living permanently anywhere is very different to visiting as a tourist - issues that aren't important to a tourist may be significant to a permanent resident. Don't let your sunglasses be rose tinted. It's very good advice to rent somewhere first to real test your chosen area and style of house etc - don't let anyone give you hard sell of a dream, find out what the reality is for yourselves and make sure it's what you really want. There are literally hundreds of houses of all shapes and sizes for sale in La Marina urbanisation - so easy to buy but hellishly difficult to sell.  Don't commit too soon, buy only if you're 100% sure. Fingers crossed it all works out for you. 

Steve62

Posted: Sat Jun 2, 2018 11:42am

Steve62

Original Poster

Posts: 22

7 helpful points

Location: La Marina

Joined: 2 Apr 2018

Posted: Sat Jun 2, 2018 11:42am

Thank you Colln for taking time to reply, appreciate the advice.

ColinL

Posted: Sat Jun 2, 2018 11:46am

ColinL

Helpful member

Posts: 114

124 helpful points

Location: La Marina

Joined: 12 Mar 2017

Posted: Sat Jun 2, 2018 11:46am

No problems, Steve. Anything I can help you with, I'll be glad to. If there's anything you would like to ask feel free to PM me. 😁

Steve62

Posted: Sat Jun 2, 2018 2:11pm

Steve62

Original Poster

Posts: 22

7 helpful points

Location: La Marina

Joined: 2 Apr 2018

Posted: Sat Jun 2, 2018 2:11pm

Thanks mate 

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Steve62

Posted: Sun Jun 3, 2018 9:00am

Steve62

Original Poster

Posts: 22

7 helpful points

Location: La Marina

Joined: 2 Apr 2018

Posted: Sun Jun 3, 2018 9:00am

Hi Kim.

Thank you so much for your detailed reply it's very much appreciated. Going by everything you have written I think we will have enough money to live comfortably when we get out there.

Look forward to meeting you when we get established on the Urbinisation.

Regards

Steve

Elli2626

Posted: Sun Jun 3, 2018 10:58am

Posts: 57

17 helpful points

Location: La Marina

Joined: 11 Feb 2018

Posted: Sun Jun 3, 2018 10:58am

Steve62 wrote on Fri Jun 1, 2018 8:40am:

Hi everyone,

My name is Steve and my partners name is Emma. We are coming out to La Marina in October to meet up with the Barclays estate agent to hopefully purchase a property to live in permanently. We visited earlier this year and absolutely loved it, so we selling up and coming to live our dream...

... in the sun. We have our bank account and NIES's sorted already and I have an independent advogardo to assist me in my purchase. I'm taking   early  retirement from the civil service at 56 year and 5 months and I'm hoping the pension they are giving me will be  enough for us both to live on ( £16,000) without the need to go into our savings ?   I believe I will get taxed on  my civil service pension at home so will not be liable for any further deductions in Spain, is this correct ? As my pension is our only source of income for now, do I  need to declare it on the yearly tax returns ?

Sorry for all the questions guys, but I'm someone who likes to plan in advance and be aware of what is in       front  of me. 

Thank you Steve for your help, much appreciated, you are well organized 👍

Good luck

Best regards

Monika

Andrea Murphy

Posted: Mon Jun 4, 2018 11:51am

Andrea Murphy

Helpful member

Posts: 525

350 helpful points

Location: Almoradí

Joined: 22 Feb 2018

Posted: Mon Jun 4, 2018 11:51am

Hi,

You will have to declare all your pensions out here if you are Fiscal Resident, including your Civil Service Pension, you will be taxed in England on your Civil Service Pension and not in Spain but you still have to declare it.   Enjoy yourselves, we have been here since 2001 and would not change anything, love it.

Steve62

Posted: Mon Jun 4, 2018 12:35pm

Steve62

Original Poster

Posts: 22

7 helpful points

Location: La Marina

Joined: 2 Apr 2018

Posted: Mon Jun 4, 2018 12:35pm

Thank you Andrea for taking time to reply, many thanks.

Regards

Steve

Andrea Murphy

Posted: Mon Jun 4, 2018 12:45pm

Andrea Murphy

Helpful member

Posts: 525

350 helpful points

Location: Almoradí

Joined: 22 Feb 2018

Posted: Mon Jun 4, 2018 12:45pm

No problem, been there, done that, worn the tee shirt, good luck, and don't listen to the moaners, they forget council tax, gas, electric, etc., is much more costly in England.   Enjoy life out here it is good.

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