The Spain Playbook
Eight modules. Sourced, sequenced, written from Cádiz. The exact tax and visa playbook for British adults moving to Spain in 2026.
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Estimate only, simplified bands, ignores allowances and social security. Real numbers depend on residence status, employment vs self-employed, family. The full playbook walks you through the actual calculation with worked examples.
8 modules, sequenced for the move order
Pre-move UK actions
Form P85, ISA wind-down, UK property sale timing, pension drawdown sequencing. Six to twelve months before the move.
Choosing the right visa
NLV vs DNV vs work vs family. Document checklists, income thresholds, consulate quirks per region.
Beckham Law structuring
The six-month window, the election, when standard tax actually wins. Worked examples £50k to £200k.
Arriving and registering
NIE, padrón, modelo 030, social security order of operations. Region-specific paperwork.
Spanish banking
Sabadell, BBVA, Santander, plus multi-currency strategies with Wise and Revolut.
Year-one tax filing
Modelo 100, modelo 720, the deadlines, the worked examples, the common mistakes.
Healthcare, schools, life admin
Public vs private healthcare, British and international schools, driving licence exchange.
Years 2 to 5: maintenance
Renewals, residency upgrade to long-term, citizenship pathway, when to disengage from the UK.
What you'll actually be doing, week by week
Most moves take 6 to 12 months from decision to first tax filing. Here's the rough cadence the playbook walks you through.
- 6-12 months outFile HMRC Form P85, review UK ISAs and pension drawdown, decide whether to sell UK property before or after the move.
- 3-6 months outChoose visa route (NLV or DNV), apostille birth/marriage certificates, secure sworn translations.
- 1-3 months outBook consulate appointment, finalise income documentation, sort medical certificate and criminal record check.
- First 30 days in SpainObtain NIE, register padrón at the town hall, register social security if employed.
- Within 6 months of social securityFile Modelo 149 to elect Beckham Law. This deadline is absolute - miss it and you lose Beckham Law for your whole stay.
- Year 1, by 30 JuneFile Modelo 100 (IRPF return). By 31 March if Modelo 720 (foreign assets) applies.
Every document, every form, walked through
No vague “you'll need ID and proof of address” nonsense. For each of the following the playbook explains exactly what to bring, what they ask, where to file, and the deadline.
This is for you if…
- ✓You're a UK adult planning a real move to Spain in the next 18 months
- ✓You have at least £50,000 of UK income and want it taxed sensibly in Spain
- ✓You want sourced answers, not vibes
- ✓You're willing to read 100+ pages of structured guidance
This is not for you if…
- ×You're already represented by an IFA who handles cross-border relocation
- ×You need legal advice on a current visa rejection (get a regulated immigration lawyer)
- ×You want a generic "move abroad" course
- ×You expect a guru funnel with countdown timers and one-on-one Voxer access
Stuff we throw in because it would be weird not to
The exact 14-page pre-move list. Printable. Updated 2026.
A real padrón appointment, recorded and narrated. What to bring, what they actually ask, what to do if they push back.
Three independent asesores we've personally vetted. No kickbacks.
Stronger than “30-day money back”
Complete the first 3 modules within 30 days. If you haven't identified at least £1,000 in tax mistakes you would have made without the playbook, email us for a full refund and keep the materials. Less than 4% of buyers ever ask, which is why we can keep this policy.
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