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01 / From Spain For UK property owners in Spain

Sell Your UK Property from Spain: Cash Offer for British Owners on the Costa

Around 300,000 UK citizens are registered as residents in Spain, with the Costa del Sol, Costa Blanca, and Balearic Islands the largest concentrations. Many still own UK property they've been meaning to sell. We buy directly for cash, communicate over WhatsApp at near-UK time, and run the sale alongside the Spanish IRPF and Modelo 720 implications without you flying back.

Written offer
24 hrs
Time-zone gap
0 to 1 hr
Trip to UK
Not required
Spanish reporting
Modelo 720
Start my offer → Or call 020 7088 8300

Spain has the largest UK retirement community in continental Europe. Most arrive intending to keep their UK home as a let property or family bolthole, then years pass and the property has become an admin burden managed across two countries. Selling from Spain involves UK Non-Resident CGT, Spanish IRPF on the gain, Modelo 720 awareness for past years, and currency timing on potentially large euro transfers.

We buy UK property directly from Spanish-resident owners, for cash. WhatsApp keeps communication moving with the 0 to 1 hour time gap. The whole process runs at near-UK pace, and we work alongside Spanish gestores experienced in UK property to coordinate the cross-border tax cleanly.

Why selling from Spain involves more than just the UK side

A few realities Spanish-resident UK property owners hit:

  1. Two tax authorities. HMRC (UK) wants the NRCGT return within 60 days. Spanish AEAT wants the gain on next year’s IRPF. The DTT prevents double tax, but the paperwork is real.
  2. Modelo 720 history. If you owned the UK property as a Spanish tax resident and didn’t declare it on Modelo 720 (worth > €50,000), there could be a historical compliance issue worth resolving with a gestor before the sale.
  3. Currency timing. GBP/EUR moves 5 to 12% in a typical year. Wiring £300,000 to euros at the wrong moment can cost €15,000+ vs the right moment. Most Spanish residents already understand this from previous transactions.
  4. Spanish bank reporting. Inbound transfers over €10,000 to Spanish accounts trigger automatic reporting under Spanish AML rules. This is normal and not a problem if the source is documented (a UK property sale is well-documented), but it does mean the bank may ask questions.
  5. The Renters’ Rights Act timing. If your UK property is let, the new RRA tenancy framework affects notice periods. This isn’t an issue if we buy with tenants in situ (we do).

How our process works for Spanish-resident owners

The journey, adapted for someone on the Costa del Sol, Costa Blanca, in Madrid, Barcelona, the Balearics, the Canaries, or anywhere else in Spain:

1. Initial WhatsApp or email

Send postcode, photos if available, and a short note. Same-day reply during UK business hours, which is also Spanish business hours.

2. Written offer within 24 hours

Comparable sales analysis, condition assessment, tenancy review. Written, no-obligation offer.

3. Spanish gestor introduction (if needed)

We work with several gestores experienced in UK property sales who can advise on Modelo 720 history, IRPF projection, and currency strategy. They typically cost €300 to €800 for a one-off consultation and tax filing assistance.

4. Acceptance and instruction

We instruct UK solicitors immediately. You instruct your own UK solicitor or work alongside a Spanish abogado with UK property experience.

5. Document signing

Spanish notario for any documents requiring notarisation, with Spanish Ministry of Justice apostille. Or e-signing if your UK solicitor accepts (most do in 2026).

6. Exchange and completion

2 to 4 weeks of legal preparation. UK funds land with your UK solicitor.

7. NRCGT filing within 60 days (UK)

File via HMRC online. Pay UK CGT.

8. IRPF filing in next Spanish cycle

The gain goes on your next IRPF return. UK tax paid is credited against Spanish liability. Modelo 720 implications confirmed by gestor.

The tax picture, plainly stated

Figures and rules below are accurate as of May 2026. UK and Spanish tax laws change; always confirm with a qualified Spanish gestor or cross-border tax adviser before acting.

The taxes touching a UK property sale by a Spanish-resident owner:

UK Non-Resident CGT at 18% basic / 24% higher on the gain since 6 April 2015. Reported via HMRC within 60 days of UK completion.

Spanish IRPF on capital gains (savings-income tax) at 19% up to €6,000, then 21%, 23%, 27%, 28% in higher bands. Reported on next year’s IRPF.

UK-Spain Double Taxation Treaty credits UK tax paid against Spanish liability via the Foreign Tax Credit. Net effective rate is typically the higher of the two systems on the gain.

Modelo 720 information return for overseas assets above €50,000 thresholds. Past filings should be confirmed by gestor.

UK SDLT is paid by the buyer; you pay no SDLT on a sale.

Why a direct cash sale beats the open market for Spanish-resident sellers

The open market route is workable for Spanish residents (the time-zone gap is minimal), but the carrying costs and fall-through risk still favour a direct sale:

Open marketRPJ cash
Sale price£300,000£264,000 (88%)
Estate agent (1.5%+VAT)-£5,400£0
Carrying costs (5 months @ £700/mo)-£3,500£0
GBP/EUR timing riskHighLow
Legal fees-£1,200-£600 (we contribute)
Net to you£289,900£263,400
Time5 to 6 months3 to 4 weeks

Illustrative figures based on the assumptions above. Your specific numbers will differ.

A roughly £26k difference (around €30,000) in exchange for 5 months of certainty, no fall-through risk, no UK trip required, and a cleaner Spanish IRPF position with the UK tax already paid and documented.

Start a cash offer from Spain

Send us the postcode and a short note on your situation. WhatsApp or email, whichever you prefer. We’ll reply within hours and have a written offer with you inside 24 hours.

The whole process, including UK completion, NRCGT filing, and your Spanish IRPF position, can run without you flying back.

Retired to Marbella in 2017, kept the maisonette in Tooting let to a friend's daughter. When she gave notice and we couldn't find someone reliable, we wanted out. RPJ moved fast and the gestor in Mijas handled the Spanish side cleanly. Placeholder.

Margaret / Marbella, Spain / Placeholder testimonial

— Your questions

Frequently asked,
plainly answered.

01 How does the UK-Spain tax interaction work on a UK property sale?
You pay UK Non-Resident CGT (18% basic / 24% higher rate) on the gain since 6 April 2015, reported to HMRC within 60 days of completion. Spain (where you're tax-resident) also taxes worldwide capital gains under IRPF (Impuesto sobre la Renta de las Personas Físicas) at progressive savings-income rates: 19% up to €6,000, 21% from €6,000 to €50,000, 23% from €50,000 to €200,000, 27% from €200,000 to €300,000, and 28% above. The UK-Spain Double Taxation Treaty allows the UK tax paid to be credited against Spanish tax due, so you don't pay twice. A Spanish gestor or cross-border tax adviser is essential here.
02 What is Modelo 720 and do I need to file it?
Modelo 720 is the Spanish overseas-asset declaration. Spanish tax residents must declare overseas property worth over €50,000 (and overseas accounts and securities at the same threshold). It's an information return, not a tax return, but the penalties for late or missing filing have historically been severe (though reduced after EU court rulings in 2022). If you owned the UK property as a Spanish resident, you should have already declared it. The sale itself doesn't trigger a Modelo 720 filing, but the resulting cash in any overseas account might need declaration the following year. A gestor can confirm your specific position.
03 Do I need to fly back to the UK to sell?
No. The whole process can run remotely. Documents can be notarised at any Spanish notario, with apostille via the Spanish Ministry of Justice (Ministerio de Justicia). Most modern UK conveyancers also accept e-signing, which removes the notarisation step. The 0 to 1 hour time gap means the process effectively runs at UK pace.
04 How long does the sale take from Spain?
From offer to UK completion: typically 3 to 4 weeks for a straightforward sale. The minimal time-zone gap means decisions move at almost UK speed. Notarisation through a Spanish notario usually takes 1 to 3 business days; apostille adds 5 to 10 business days. E-signing removes both.
05 How do I get GBP proceeds back to Spain?
Funds land with your UK solicitor on completion. From there: (1) wire to a UK bank account in your name, then convert via Wise or a similar broker (typically 0.5 to 1% spread vs 3 to 4% for banks); (2) wire directly to a Spanish euro account; (3) hold in GBP if the GBP/EUR rate isn't favourable. As a Spanish tax resident, the proceeds are reportable on next year's IRPF return; the gain is taxable in Spain with UK-tax credit applied. Do not transfer large sums without a Spanish gestor's involvement.
06 What if I have residency under the Withdrawal Agreement (post-Brexit) and own UK property?
Your residency status (TIE / Withdrawal Agreement card) doesn't affect the UK sale process directly. From the UK side, you're a non-UK tax resident under the Statutory Residence Test, so NRCGT applies. From the Spanish side, you're tax-resident in Spain so worldwide gains are within scope. The DTT provides the credit. The only Brexit-era nuance is that some EU-specific exemptions no longer apply, but for a UK property sale, the framework is essentially unchanged.
07 What if my UK property is rented out via a Non-Resident Landlord scheme?
We buy with tenants in situ. You won't need to issue notice, navigate the Renters' Rights Act timeline, or arrange vacant possession. Your NRL filings continue up to the date of completion, then cease. The sale proceeds are reported to HMRC via NRCGT and to the Spanish AEAT via your IRPF return.
— Also handled

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Tenanted property

The 2026 regulatory landscape for UK landlords has changed faster than the market. If you've decided it's time to exit — whether because of the Renters' Rights Act, EPC requirements, or simply tired returns — we can buy directly, with or without the tenant in place, without requiring you to evict first.

Read more →

Inherited from abroad

Inheriting a UK home when you live abroad combines grief with a tangle of cross-border admin: probate from a different country, an empty house deteriorating, NRCGT, and a 60-day HMRC clock most heirs don't know about. We buy directly, wait patiently for probate, and handle the parts that are hardest from another time zone.

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Selling from abroad

If you live overseas and own a property in the UK you want to sell, the open-market route is rarely the right tool. We buy directly for cash, work with you on WhatsApp at your time zone, and complete the entire process, including power of attorney, NRCGT reporting, and currency exchange, without you needing to fly back.

Read more →
— / Tell us your situation

Your postcode, our offer.

A written, no-obligation offer within 24 hours. We handle the specifics on the call — you're not locked into anything by asking.

Start my offer → Or call 020 7088 8300