{"id":20432,"date":"2025-12-29T10:00:00","date_gmt":"2025-12-29T09:00:00","guid":{"rendered":"https:\/\/delaguialuzon.com\/?p=20432"},"modified":"2026-04-18T20:30:41","modified_gmt":"2026-04-18T18:30:41","slug":"spanish-mortgage-review","status":"publish","type":"post","link":"https:\/\/delaguialuzon.com\/en\/blog\/spanish-mortgage-review\/","title":{"rendered":"Spanish mortgage review: What UK buyers need to know"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20432\" class=\"elementor elementor-20432\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-262e415c e-flex e-con-boxed e-con e-parent\" data-id=\"262e415c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e074e3a elementor-widget elementor-widget-text-editor\" data-id=\"e074e3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Spanish mortgage review: What UK buyers need to know<\/h2>\n<strong>Solicitor Review of Spanish Mortgages<\/strong> is a crucial step when <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/investing-in-spain\/\">investing in Spanish real estate<\/a>, particularly for British individuals, entrepreneurs, and investors.\n\nSpain\u2019s vibrant culture, favourable climate, and diverse property market continue to <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/relocating-uk-employees-to-spain\/\">attract strong international interest<\/a>.\n\nHowever, navigating the Spanish legal and financial framework, especially when securing a mortgage, demands careful attention and expert legal support. A professional <strong>solicitor review Spanish<\/strong> mortgage deed before signing is not simply recommended; it is an essential safeguard to protect your investment and long-term interests.\n\nOur long-established <strong>Spanish law firm<\/strong>, with over 65 years of experience serving an international client base, understands the unique challenges faced by foreign buyers.\n\n<img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-20719 size-full\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/village-with-white-facades-scaled.jpg\" alt=\"dream home in Spain\" width=\"2560\" height=\"1706\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/village-with-white-facades-scaled.jpg 2560w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/village-with-white-facades-300x200.jpg 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/village-with-white-facades-1024x683.jpg 1024w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/village-with-white-facades-768x512.jpg 768w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/village-with-white-facades-1536x1024.jpg 1536w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/village-with-white-facades-2048x1365.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\n<h2>Legal and regulatory framework in Spain<\/h2>\nSpain&#8217;s legal framework governing real estate transactions and mortgages is robust, designed to protect consumers and ensure transparency.\n\nThe primary legislative instrument is the <a href=\"https:\/\/www.boe.es\/buscar\/act.php?lang=en&amp;id=BOE-A-2019-3814&amp;tn=1&amp;p=\" target=\"_blank\" rel=\"nofollow noopener\">Ley 5\/2019, de 15 de marzo<\/a>, <em>reguladora de los contratos de cr\u00e9dito inmobiliario (LCCI<\/em>), often referred to as the <strong>Spanish Mortgage Law<\/strong>.\n\nThis law transposed the <a href=\"https:\/\/commonslibrary.parliament.uk\/research-briefings\/cbp-7453\/\" target=\"_blank\" rel=\"nofollow noopener\">EU Mortgage Credit Directive (2014\/17\/EU)<\/a> into Spanish national law, significantly enhancing consumer protections.\n\nThe <strong>LCCI<\/strong> introduced several critical provisions, including mandatory pre-contractual information:\n<ul>\n \t<li>A minimum <strong>10-day reflection period<\/strong> before signing the mortgage deed.<\/li>\n \t<li>Restrictions on certain mortgage clauses previously deemed <strong>abusive<\/strong>.<\/li>\n \t<li>Mandatory provision of a <strong>standardised information sheet (FEIN \u2013 Ficha Europea Normalizada de Informaci\u00f3n)<\/strong> by the bank.<\/li>\n \t<li>Mandatory provision of a <strong>standardised warning sheet (FIAE \u2013 Ficha de Advertencias Estandarizadas)<\/strong>.<\/li>\n \t<li>All documentation must be supplied <strong>well in advance<\/strong>, allowing time for thorough review.<\/li>\n \t<li>Borrowers must visit a <strong>notary twice<\/strong>:\n<ul>\n \t<li>First visit to confirm understanding of the mortgage terms.<\/li>\n \t<li>Second visit to formally sign the mortgage deed.<\/li>\n<\/ul>\n<\/li>\n \t<li>The process reflects the Spanish legal system\u2019s strong emphasis on <strong>informed consent<\/strong>.<\/li>\n<\/ul>\n<img decoding=\"async\" class=\"aligncenter wp-image-20714 size-full\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/The-LCCI-introduced-several-critical-provisions-including-mandatory-pre-contractual-information_-visual-selection-scaled-e1766418458772.png\" alt=\"solicitor review Spanish mortgage\" width=\"2560\" height=\"1100\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/The-LCCI-introduced-several-critical-provisions-including-mandatory-pre-contractual-information_-visual-selection-scaled-e1766418458772.png 2560w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/The-LCCI-introduced-several-critical-provisions-including-mandatory-pre-contractual-information_-visual-selection-scaled-e1766418458772-300x129.png 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/The-LCCI-introduced-several-critical-provisions-including-mandatory-pre-contractual-information_-visual-selection-scaled-e1766418458772-1024x440.png 1024w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/The-LCCI-introduced-several-critical-provisions-including-mandatory-pre-contractual-information_-visual-selection-scaled-e1766418458772-768x330.png 768w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/The-LCCI-introduced-several-critical-provisions-including-mandatory-pre-contractual-information_-visual-selection-scaled-e1766418458772-1536x660.png 1536w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/The-LCCI-introduced-several-critical-provisions-including-mandatory-pre-contractual-information_-visual-selection-scaled-e1766418458772-2048x880.png 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\n\nA <strong>Solicitor Review of Spanish Mortgages<\/strong> is essential despite the strong protections offered by the LCCI.\n\nIts complexity, along with differing banking practices and regional variations, makes a professional <strong>solicitor review of Spanish<\/strong> <strong>mortgages<\/strong> crucial.\n\nA solicitor verifies legal compliance, identifies unfavourable clauses, and correctly interprets regulations published in the <strong>Official State Gazette<\/strong> (BOE) to protect your interests.\n<h2>What does a Solicitor Review of Spanish Mortgages Include?<\/h2>\nHaving a <strong>solicitor review of Spanish mortgage<\/strong> is a detailed check of the bank\u2019s binding offer (FEIN and FIAE) and the draft mortgage deed before it is signed before a notary.\n\nThe aim is to ensure the terms are clear, fair, and compliant with Spanish law (LCCI).\n\n<strong>Key points your solicitor will review:<\/strong>\n<ul>\n \t<li><strong>LCCI compliance:<\/strong> Confirmation that all legal disclosures are correct and the 10-day reflection period has been respected.<\/li>\n \t<li><strong>Interest rates:<\/strong> Review of fixed or variable rates, including Euribor reference, differentials, review periods, and any caps or floors.<\/li>\n \t<li><strong>Fees and commissions:<\/strong> Identification of all charges (opening fees, early repayment penalties) and flagging anything excessive or unlawful.<\/li>\n \t<li><strong>Early repayment terms:<\/strong> Assessment of costs and conditions for partial or full repayment.<\/li>\n \t<li><strong>Default and foreclosure clauses:<\/strong> Check that enforcement terms are fair and comply with stricter LCCI rules.<\/li>\n \t<li><strong>Currency risk (if applicable):<\/strong> Review of foreign currency clauses and potential exchange rate exposure.<\/li>\n \t<li><strong>Insurance requirements:<\/strong> Verification of mandatory insurance and whether you are free to choose the provider.<\/li>\n \t<li><strong>Property valuation:<\/strong> Confirmation that the valuation and loan-to-value (LTV) ratio are correctly calculated.<\/li>\n<\/ul>\nThis review often uncovers issues such as unfair early repayment penalties or clauses allowing unilateral changes by the bank.\n\nAddressing these upfront helps avoid future disputes and protects your financial interests.\n<h2>Tax, financial, or cost implications<\/h2>\nBeyond the loan itself, a Spanish mortgage comes with additional costs that affect the total price.\n\nA <strong>solicitor review of Spanish mortgages<\/strong> helps identify who pays what and avoids unexpected expenses.\n\n<strong>Main costs and taxes to consider:<\/strong>\n<ul>\n \t<li><strong>Stamp Duty (AJD):<\/strong> Usually paid by the bank under current law, though the rate (around 0.5%\u20131.5%) varies by region, and limited exceptions may apply.<\/li>\n \t<li><strong>Notary fees:<\/strong> Regulated by law and generally covered by the bank.<\/li>\n \t<li><strong>Land Registry fees:<\/strong> Required to register the mortgage and typically paid by the bank.<\/li>\n \t<li><strong>Valuation fee:<\/strong> Mandatory property valuation, usually paid by the borrower.<\/li>\n \t<li><strong>Gestor\u00eda fees:<\/strong> Administrative costs for processing and registration, normally covered by the bank.<\/li>\n<\/ul>\nGetting a proper <strong>solicitor review of Spanish mortgages<\/strong> clarifies these costs upfront, ensuring transparency and preventing financial surprises.\n\nHere is a comparison table outlining typical mortgage-related costs in Spain, indicating who typically bears the cost:\n<table>\n<thead>\n<tr>\n<th>Cost\/Fee<\/th>\n<th>Description<\/th>\n<th>Typical Payer (Post-LCCI)<\/th>\n<th>Approximate Range\/Calculation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Stamp Duty (AJD)<\/td>\n<td>Tax on the legal documentation of the mortgage deed.<\/td>\n<td>Bank<\/td>\n<td>0.5% &#8211; 1.5% of mortgage liability (varies by region)<\/td>\n<\/tr>\n<tr>\n<td>Notary Fees<\/td>\n<td>Fees for the public notary&#8217;s services in formalising the deed.<\/td>\n<td>Bank<\/td>\n<td>Regulated, typically 0.2% &#8211; 0.5% of the mortgage value<\/td>\n<\/tr>\n<tr>\n<td>Land Registry Fees<\/td>\n<td>Fees for registering the mortgage in the Land Registry.<\/td>\n<td>Bank<\/td>\n<td>Regulated, typically 0.1% &#8211; 0.25% of the mortgage value<\/td>\n<\/tr>\n<tr>\n<td>Valuation Fees<\/td>\n<td>Cost of the mandatory property valuation.<\/td>\n<td>Borrower<\/td>\n<td>\u20ac300 &#8211; \u20ac600 (depending on property size\/type)<\/td>\n<\/tr>\n<tr>\n<td>Gestor\u00eda Fees<\/td>\n<td>Administrative fees for processing taxes and registration.<\/td>\n<td>Bank<\/td>\n<td>\u20ac200 &#8211; \u20ac500 (variable)<\/td>\n<\/tr>\n<tr>\n<td>Opening\/Study Commission<\/td>\n<td>Fees charged by the bank for opening or studying the loan.<\/td>\n<td>Bank (largely prohibited post-LCCI)<\/td>\n<td>Generally 0% or very low if applicable<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<strong>Note<\/strong>: <em>While the LCCI shifted the burden of most mortgage-related costs to the bank, it is imperative to have a solicitor review of a Spanish mortgage offer to confirm that these costs are correctly allocated in your specific agreement.<\/em>\n\nUnderstanding these financial implications upfront is crucial for budgeting and preventing unexpected expenses.\n\nYour solicitor will provide a clear estimate of all costs you are liable for, ensuring complete transparency before commitment.\n<h2>Foreign and UK-specific considerations<\/h2>\nFor UK buyers, Brexit has added extra legal and financial checks when <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/buying-property-spain\/\">buying property in Spain<\/a>. This makes a <strong>solicitor review Spanish mortgage<\/strong> especially important to avoid risk and ensure compliance.\n<h3>UK buyers post-Brexit: mortgage and property checklist<\/h3>\n<strong>Legal and financing considerations<\/strong>\n<ul>\n \t<li>\u2610 <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/spanish-non-lucrative-visa\/\">Visa or residency status confirmed<\/a> (90\/180-day rule applies)<\/li>\n \t<li>\u2610 Mortgage eligibility as a non-EU buyer reviewed<\/li>\n \t<li>\u2610 Loan-to-value checked (typically up to 70% for non-residents)<\/li>\n \t<li>\u2610 Spanish vs UK bank offers compared<\/li>\n \t<li>\u2610 Mortgage terms reviewed by a solicitor<\/li>\n<\/ul>\n<strong>Currency and payments<\/strong>\n<ul>\n \t<li>\u2610 GBP\u2013EUR exchange risk assessed<\/li>\n \t<li>\u2610 Foreign currency clauses reviewed<\/li>\n \t<li>\u2610 Options to reduce currency risk considered<\/li>\n<\/ul>\n<strong>Tax considerations<\/strong>\n<ul>\n \t<li>\u2610 <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/uk-spain-double-taxation\/\">Spain\u2013UK Double Tax Treaty<\/a> applied correctly<\/li>\n \t<li>\u2610 Non-Resident Income Tax (IRNR) obligations understood<\/li>\n \t<li>\u2610 Wealth Tax exposure checked (if applicable)<\/li>\n \t<li>\u2610 <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/international-inheritance-lawyer\/\">Inheritance and gift tax rules<\/a> reviewed by region<\/li>\n<\/ul>\nA thorough <strong>solicitor review Spanish mortgage<\/strong> helps UK buyers navigate post-Brexit rules with clarity, protecting both the purchase and long-term investment.\n\nGet expert, cross-border guidance with <a href=\"https:\/\/delaguialuzon.com\/en\/about-us\/\">Delagu\u00eda y Luz\u00f3n<\/a>.\n\nOur integrated legal and tax team ensures your <strong>solicitor review of Spanish mortgage<\/strong> is clear, compliant, and fully aligned with UK\u2013Spain regulations, so you can proceed with confidence.\n<h2>Common mistakes and risk sreas<\/h2>\nBuying property in Spain comes with legal and financial risks, especially for foreign buyers. A proper <strong>solicitor review of Spanish mortgages<\/strong> helps avoid costly mistakes before you sign.\n\n<strong>Common risks to watch out for:<\/strong>\n<ul>\n \t<li>Misunderstanding mortgage clauses on interest, penalties, or defaults<\/li>\n \t<li>Relying on the bank\u2019s or developer\u2019s lawyer instead of independent advice<\/li>\n \t<li><a href=\"https:\/\/delaguialuzon.com\/en\/blog\/reduce-your-tax-burden-in-spain\/\">Underestimating taxes<\/a> and extra costs beyond the purchase price<\/li>\n \t<li>Ignoring GBP\u2013EUR exchange rate risk<\/li>\n \t<li>Failing to check property registration or legal status<\/li>\n \t<li>Overlooking Spanish inheritance planning<\/li>\n \t<li>Not complying with non-resident tax obligations<\/li>\n<\/ul>\n<img decoding=\"async\" class=\"aligncenter wp-image-20715 size-full\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/visual-selection-5-scaled-e1766419089217.png\" alt=\"solicitor review of spanish mortgages\" width=\"2560\" height=\"1910\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/visual-selection-5-scaled-e1766419089217.png 2560w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/visual-selection-5-scaled-e1766419089217-300x224.png 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/visual-selection-5-scaled-e1766419089217-1024x764.png 1024w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/visual-selection-5-scaled-e1766419089217-768x573.png 768w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/visual-selection-5-scaled-e1766419089217-1536x1146.png 1536w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2025\/12\/visual-selection-5-scaled-e1766419089217-2048x1528.png 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\n\nA thorough <strong>solicitor review Spanish mortgage<\/strong> identifies these issues early, protecting your investment and ensuring a smooth, legally sound purchase.\n<h2>When professional legal advice becomes essential<\/h2>\n<table style=\"width: 100%; border-collapse: collapse; font-family: Arial, sans-serif;\">\n<thead>\n<tr>\n<th style=\"border: 1px solid #ddd; padding: 10px; background: #f4f4f4;\">Without Legal Advice<\/th>\n<th style=\"border: 1px solid #ddd; padding: 10px; background: #f4f4f4;\">With a Solicitor Review Spanish Mortgage<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Unclear mortgage clauses and legal jargon<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">All terms clearly explained and reviewed<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Risk of costly mistakes over the life of the loan<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Financial risks identified and reduced<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">No protection against bank-only interests<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Independent representation focused on you<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Language and legal system misunderstandings<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Clear guidance through Spanish legal procedures<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Higher chance of future disputes<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Lower risk of disputes through proper review<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Professional legal support for your Spanish mortgage<\/h2>\nSecuring your <strong>dream property<\/strong> <strong>in Spain<\/strong> should be an exciting and secure venture.\n\nWith the complexities of Spanish mortgage law and <a href=\"https:\/\/delaguialuzon.com\/en\/blog\/uk-spain-cross-border-legal-disputes\/\">cross-border considerations for UK buyers<\/a>, expert legal guidance is not just an advantage; it is a necessity.\n\n<strong>Delagu\u00eda y Luz\u00f3n<\/strong> specialises in providing meticulous <strong>legal<\/strong> and <a href=\"https:\/\/delaguialuzon.com\/en\/tax-services\/\">tax advice<\/a>, ensuring your Spanish mortgage deed is thoroughly reviewed, compliant, and protects your interests at every stage.\n\nFrom the initial offer to the final signing, our team provides clear, authoritative, and pragmatic support.\n<div style=\"background-color: #f5f5f5; padding: 20px; border-radius: 8px;\">\n\nLet us be your trusted legal partner in Spain.\n\nEnsure your investment is secure and your peace of mind is preserved with a comprehensive solicitor review of your Spanish mortgage.\n\nContact us today to discuss your specific needs:\n<ul>\n \t<li>Email: <a href=\"mailto:felix.delaguia@delaguialuzon.com\">felix.delaguia@delaguialuzon.com<\/a><\/li>\n \t<li>Phone: <a href=\"tel:+34963741657\">+34 963 74 16 57<\/a><\/li>\n<\/ul>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<style>\r\n.lwrp.link-whisper-related-posts{\r\n            \r\n            margin-top: 40px;\nmargin-bottom: 30px;\r\n        }\r\n        .lwrp .lwrp-title{\r\n            \r\n            \r\n        }.lwrp .lwrp-description{\r\n            \r\n            \r\n\r\n        }\r\n        .lwrp .lwrp-list-container{\r\n        }\r\n        .lwrp .lwrp-list-multi-container{\r\n            display: flex;\r\n        }\r\n        .lwrp .lwrp-list-double{\r\n            width: 48%;\r\n        }\r\n        .lwrp .lwrp-list-triple{\r\n            width: 32%;\r\n        }\r\n        .lwrp .lwrp-list-row-container{\r\n            display: flex;\r\n            justify-content: space-between;\r\n        }\r\n        .lwrp .lwrp-list-row-container .lwrp-list-item{\r\n            width: calc(16% - 20px);\r\n        }\r\n        .lwrp 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.lwrp-list-no-posts-message{\r\n                \r\n                \r\n                \r\n                \r\n            };\r\n        }<\/style>\r\n<div id=\"link-whisper-related-posts-widget\" class=\"link-whisper-related-posts lwrp\">\r\n    \r\n        <div class=\"lwrp-list-container\">\r\n                                <div class=\"lwrp-list lwrp-list-row-container lwrp-list-single-row\">\r\n                <div class=\"lwrp-list-item\"><a href=\"https:\/\/delaguialuzon.com\/en\/blog\/types-taxes-spain\/\" class=\"lwrp-list-link\"><img width=\"480\" height=\"319\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/12\/spanish-tax-rates.jpg\" class=\"attachment-480x480 size-480x480 wp-post-image\" alt=\"Spanish tax rates\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/12\/spanish-tax-rates.jpg 795w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/12\/spanish-tax-rates-300x200.jpg 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/12\/spanish-tax-rates-768x511.jpg 768w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><br><span class=\"lwrp-list-link-title-text\">What are the different types of taxes in Spain?<\/span><\/a><\/div><div class=\"lwrp-list-item\"><a href=\"https:\/\/delaguialuzon.com\/en\/blog\/self-employed-spain-reduce-your-taxes\/\" class=\"lwrp-list-link\"><img width=\"480\" height=\"270\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/07\/reduce-self-employed-taxes-spain-autonomo-deductions.webp\" class=\"attachment-480x480 size-480x480 wp-post-image\" alt=\"reduce self employed taxes Spain autonomo deductions\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/07\/reduce-self-employed-taxes-spain-autonomo-deductions.webp 1280w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/07\/reduce-self-employed-taxes-spain-autonomo-deductions-300x169.webp 300w, 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Here&#8217;s what you need to know<\/span><\/a><\/div><div class=\"lwrp-list-item\"><a href=\"https:\/\/delaguialuzon.com\/en\/blog\/legal-assistance-in-spain\/\" class=\"lwrp-list-link\"><img width=\"480\" height=\"320\" src=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/03\/legal-assitance-in-spain.jpg\" class=\"attachment-480x480 size-480x480 wp-post-image\" alt=\"legal assistance in spain\" srcset=\"https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/03\/legal-assitance-in-spain.jpg 795w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/03\/legal-assitance-in-spain-300x200.jpg 300w, https:\/\/delaguialuzon.com\/wp-content\/uploads\/2021\/03\/legal-assitance-in-spain-768x512.jpg 768w\" sizes=\"(max-width: 480px) 100vw, 480px\" \/><br><span class=\"lwrp-list-link-title-text\">Legal Assistance in Spain for International Individuals and Businesses<\/span><\/a><\/div>                <\/div>\r\n                <\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Professional legal guidance for Solicitor review Spanish. 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Contact our bilingual legal team for assistance.<\/p>\n","protected":false},"author":2,"featured_media":20710,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mbp_gutenberg_autopost":false,"_joinchat":[],"footnotes":""},"categories":[47],"tags":[],"class_list":["post-20432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-law"],"_links":{"self":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts\/20432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/comments?post=20432"}],"version-history":[{"count":26,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts\/20432\/revisions"}],"predecessor-version":[{"id":23854,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/posts\/20432\/revisions\/23854"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/media\/20710"}],"wp:attachment":[{"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/media?parent=20432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/categories?post=20432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/delaguialuzon.com\/en\/wp-json\/wp\/v2\/tags?post=20432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}