Expats-online.

General Insurance-Pensions-Investments-Mortgages-Tax-Inheritance Planning and so much more.

Home to Expats in Spain since 2009.

ABOUT US


Expats on line Home to Expats living in Spain

Expats-online
was founded in 2009 and has become a leading provider of Expatriate Services including General Insurance and Financial Advice to an increasing number of clients in Spain over the past 10 years . It is our aim to offer our clients a Product range and a level of service they would expect from a company in the UK.

Please take some time to browse our website and the products and services we provide.
All are exclusive to expatriates and all are provided in English.
PRODUCTS AND SERVICES

General Insurance.
Expats-online is regulated in Spain with the Dirección General de Seguros y Pensiones (Reg No:L007Y189753M).
We provide Expatriate General Insurance products from cover holders at ‘Lloyds of London’ in
Spain, Gibraltar and Portugal.
GENERAL INSURANCE

Financial Advice
Dennis Radford is a partner at a leading European financial services group, providing specialist financial advice to expatriates across Europe. Their expertise covers Retirement and Pension Planning including QROPS, Life Assurance, Efficient Investing (using Insurance wrappers), Succession and Inheritance Tax Planning, Currency Exchange and much more. Please click the link to contact
The Spectrum IFA Group.

Mortgages
If you consider purchasing a property in your home country and in your native language to be stressful, you can imagine what it can be like when purchasing abroad. With our extensive experience, we’ll make sure the whole process is smooth and professional, from purchase through to occupation.
We evaluate the best and most up to date offers available from a range of mortgage sources and look after all of the necessary legal procedures.
EXPATRIATE MORTGAGES

UK and Spanish Wills
Expats-online have an in-house Qualified Will Writer providing in depth Will Writing and Inheritance advice for UK and Spanish estates.
UK AND SPANISH WILLS

Funeral Plans
Expats-online provide pre-paid funeral plans via all the major companies. We will listen to your wishes and requirements to provide the most appropriate plan to meet
your needs.
FUNERAL PLANS

Currency Exchange
Bank-Beating Exchange Rates
We make overseas money transfers simple for you - you'll get access to a Currency Expert, we don't charge any fees, and you could make a significant saving compared to your bank. We were the first company outside of the banking world to focus on sending money abroad - we've been doing it for the last 20 years, and we're confident we can help.
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PRODUCTS & SERVICES


GENERAL INSURANCE

Expats-online provide general insurance policies via an array of providers including Lloyd's of London the world's leading insurance market. Understanding the needs of expatriate clients living in Spain and providing a full service in the English language from point of sale, through all documentation and to payment of a claim has been key to the success and growth over the past 10 years.

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INTERNATIONAL FINANCIAL ADVICE

Expats-online is a partner at the leading European financial services group, providing specialist financial advice to expatriates across Europe. Their expertise covers Retirement and Pension Planning including QROPS, Life Assurance, Efficient Investing (using Insurance wrappers), Succession and Inheritance Tax Planning, Currency Exchange and much more.

Learn More

SPANISH AND UK WILLS

It is a slow and expensive process to obtain probate if you die interstate. Your heirs will need to get your Spanish property transferred to their names; the process is much simpler if there's a Will. If there is no Will registered at the Registro de Actos de Ultima Voluntad, then in the worst case, your property will pass to the local and regional government. Current European legislation allows EU citizens to use the succession rules of their home nation when drafting a Will. Advice should be sort in order to understand any tax implications associated with drafting a Spanish Will in this way.

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EXPATRIATE MORTGAGES

If you consider purchasing a property in your home country and in your native language to be stressful, you can imagine what it can be like when purchasing abroad. With our extensive experience, we’ll make sure the whole process is smooth and professional, from purchase through to occupation. We evaluate the best and most up to date offers available from a range of mortgage sources and look after all of the necessary legal procedures

Learn More

CURRENCY EXCHANGE

Bank-Beating Exchange Rates We make overseas money transfers simple for you - you'll get access to a Currency Expert, we don't charge any fees, and you could make a significant saving compared to your bank. We were the first company outside of the banking world to focus on sending money abroad - we've been doing it for the last 20 years, and we're confident we can help.

Learn More

FUNERAL PLANS

Expats-online provide pre-paid funeral plans via all the major providers. We will listen to your wishes and requirements to provide the most appropriate plan to meet your needs. With funeral costs soaring every year, a funeral plan ensures that, at a time when your loved ones will be adjusting to their loss, the difficult decision-making and expenses will be taken care of.

Learn More

SPANISH TAX REVIEW


The Spanish tax system can be daunting at first. 

Income tax, Wealth Tax, Savings Tax and Succession Tax all need to be carefully considered.

Please feel free to CONTACT US should you need any help or advice on any of these issues. 


It is worth looking at the differences in the way estates are taxed in Spain rather than in the UK.

Most people have done a good job of ensuring their families  are looked after when they pass. They have normally taken some good advice in the UK. But most UK advisers are probably unaware of the effect the financial process will have on inheritors living in Spain.

In the UK things are quite simple, because usually it is the estate of the deceased that is liable for Inheritance tax.

There is a Nil Band Rate of 325K and in some cases,  this will increase to 650K. We then have a further allowance for the family home that, in some cases, will take the tax free element to approx 1 Million pounds.

Spain is a very different situation however.

In Spain we pay succession tax, this means it is the person receiving the gift that is liable to pay the tax in Spain.

If the inheritor is resident in Spain she will be liable for this tax on her inheritance from the UK.

The Nil Band Rate in Spain for first line family members is a little under 16k Euros. The tax rate is 40%. There are allowances, but advice should be taken when these are to be relied upon. .

Financial  structures can be put  in place to protect  loved ones living in Spain.

There are many ways to do this, and there is little or no additional cost to the estate.  Planning with a good understanding is always the key to success.


CONTACT US


  • Avenida del Pla, 126,Centro Comercial 1.02 Jávea, Alicante, Spain

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Upcoming Events

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The 2019 Virgin Money London Marathon 28 Apr 2019 Location: Greenwich, London, UK

Past Events

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Denia Rugby Union 27 Jan 2019 Denia, Dénia, Alicante, Spain

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