Valencia Property Blog

We get a lot of questions at Valencia Property. We always say there are no such thing as stupid questions (Even though at times there are) and we answer them all. However, we always think that if you are asking a question then others are also wondering about the answer even if they haven't directly asked us the same thing. So in this week's blog post we are looking at the most common questions we have been asked recently and giving you our answers. It's a series we update regularly here on the blog so let's look at the most common recent questions.

Should I Buy Property in Spain Through a Company Structure?

This question is so common that we decided to produce a podcast to answer it so we can just point people in the direction of the pod and say have a listen. In 99% of cases the answer is no. There are specific cases where it's useful to have a company structure to buy a property but they are rare.

If you intend to buy eight or more properties and rent them all out on long term contracts for at least three years
If you want anonymity and nobody to know the property is yours
If you intend to run a risky business and don't want a property to be considered in case of bankruptcy
If you want to simplify the transfer of the property as an asset on inheritance. (You might simplify the process but the tax implications are usually higher for your heirs)
Erm... that's it.

There are however lots of reasons why you wouldn't want to buy a property through a company structure and we went through a lot of them on the podcast. Head on over to our podcast page here and have a listen or simply click the play button below.

On the podcast you will also find information about financing a property with a mortgage in Spain, and that's another reason you might want to buy as a person or couple rather than through a company.

Can I Get a Mortgage in Spain as a Foreigner, and What are Current Interest Rates?

Now we put this as the next question because we talked about mortgages in the podcast above. However for a quick reference the answer is yes you can and the interest rates are very advantageous. Expect a maximum of 70% of property value and around 3% interest rate currently (Writing this in Autumn 2025) Expect a 20-25 year time period for repayment, 30-35% of income maximum as affordability and a maximum age for the end of the repayment period of 75 years old.

There are differences though to what you might expect from mortgages in your home country and we discussed them in the podcast. You will not be able to get a mortgage if you are 82! You will not be able to get one if you have huge outgoings every month that are near to or equal to your incomings and no, Spanish banks don't do creative financing. You either prove you can afford a mortgage under their criteria or you don't get one. Simples!

What is the cost of living in Valencia compared to ...?

The answer is generally cheaper for most things but obviously it depends where you are coming from. We did a whole blog post about this which you can read clicking on the image below and it is still relevant today of course despite being published at the start of the year. While we may not mention your home town you'll get a good idea of the day to day costs here and how they may compare to where you are coming from.

What are the Pros and Cons of Buying a Property that Needs Renovation?

Again we have talked about this on the blog before and we think that generally the majority of our clients buy places that they can make their own by renovating as it's difficult to find that 10/10 perfect place that doesn't need some work. There are so many pros to renovating but make sure you are working with professionals such as our sister company Valencia Remodels and you get the following without the cons;

Valencia Remodels handles contractors so you don't have to deal with them in a different language
You don't have to manage renovations remotely
The warnings (from "False Economies and Finding Faults"):
Don't try to cut corners or avoid using recommended providers
"Pay Peanuts, Get Monkeys" - cheap options can cost you more in the long run
Mistakes from inexperienced contractors can cost clients "a lot of money, a load of time and a large slice of their sanity"
Take recommendations from trusted providers (like our extended network)

What's the Lifestyle Really Like in Valencia - Schools, Healthcare, Social Life, and Climate?

So much to unpack here and most of it covered in the pages of this blog. But here's the skinny on it.

Climate:
300+ days of sunshine per year
Mild winters, hot summers (currently 34-35°C common vs. 32°C previously)
"One of the best climates in the world" according to official sources
Humidity can be high but not tropical
Occasional heavy rain, especially in autumn
Expect to use AC and fans in summer (June onwards)
Quality of Life:
According to Numbeo, Valencia ranks excellently for:
Safety (low crime rate)
Life satisfaction
Friendliness to foreigners
Mediterranean lifestyle
Excellent work-life balance
International Schools:
Yes, there are international schools in Valencia
The blog has a comprehensive post about them
We recommend reading between the lines on the blog and contacting us for more information if required
State schools teach in Valencian/Spanish
Social Life/Nightlife:
"Lively but not as wild as Barcelona"
Ruzafa and El Carmen have great bars
Excellent clubs along Blasco Ibañez in student areas
Beach clubs and chiringuitos at Malvarrosa, Cabanyal, and Patacona (popular in summer)
Remnants of the famous "Ruta del Bacalao" from the 90s
Why People Move Here
(from the blog post "You Come to Valencia For The Lifestyle Right?"):
Vibrant, safe, and interesting city
Fantastic climate
Affordable compared to many European cities
Progressive outlook
Safe from natural disasters and conflicts
Remote working is very viable with fast internet and many coworking spaces (Wayco, Work&Lounge, etc.)
The Reality
(from "Making That Final Step"):
Clients who've already moved say: "I wish I'd done this sooner" - discovering Valencia's affordable, sun-soaked lifestyle with unexpected friendships and a great quality of life.

Should I Rent Medium-Term or Long-Term When I First Arrive, and What's Available?

If you are going to rent to start off with then one of our Stepping Stone Rentals of three months is recommended as finding a long term rental remotely is so difficult. If you are coming for a week or two to look for a purchase then get a hotel, Airbnb or similar as we don't do holiday rentals.

How Do I Get a NIE Number?

It depends. We even had a blog post called "why is the answer always it depends?" However, if you are coming over in say six months then maybe do it through your local Spanish consulate or embassy (Though they may ask for proof of why you need it). The quickest route is speaking with one of our recommended lawyers here and giving them a POA to apply for it for you here. They usually have it within a week or two even in your absence.

The Golden Visa is Gone Right?

Yes.

So, What Visa Options are Available for Moving to Valencia?

We have written a blog about this of course and the blog mentions several visa options: The two most popular are...

Digital Nomad Visa: Spain offers this visa for remote workers. The blog discusses it as one of your options and recommends our Substack post for the latest updates.

Non-Lucrative Visa: For those not working in Spain, you need to prove sufficient income:

€2,460 monthly for a single person
€4,305 monthly for a family of four

Note that the process differs for EU vs. non-EU citizens, and we've written extensively about visa options in various posts.

What are the Total Costs on Top of Buying Property in Valencia?

15% more or less.

How Can I Save Money on Currency Transfers?

On the blog we emphasised one critical money-saving tip: Never trust your bank in your home country if you are transferring funds from another currency into Euros.

In "The Key Money-Saving Tip for Buying in Spain," we talked about the fact that using your home country bank for currency transfers is one of the biggest mistakes people make. We recommend using specialized currency transfer services that can save you significant amounts on exchange rates and bank fees.

The blog mentions that we're always looking to save clients as much as possible and that there is now a new service that will save even more on transfers which will be available to everyone very soon.

What is the Current State of the Valencia Property Market?

The most common question we get and the answer continues to be... very strong. More demand, less supply. According to our 2025 Mid Year Report, this cycle keeps repeating itself due to several factors:

Falling interest rates making borrowing more affordable
Increasing incentives for young people wanting to buy
Fewer rental properties available, forcing people to buy if they can save a deposit
Bank of Mum and Dad helping with deposits
Overall shortage of properties available throughout Spain, not just in high-demand areas.

The blog post "Breaking Up Is Hard To Do" explains that the stock of Spanish property available has reduced dramatically over recent years and why and shows why this has caused prices to rise equally dramatically across the country.

What Are Your Questions?

These are the most common questions we have been getting recently and this is why we write the blog weekly, to keep you up to date with what's going on. However if you have other specific questions you want to know the answer to because your situation is personal, different to everyone else's, then feel free to mail us on information@www.valencia-property.com and ask away. You never know your question may get into our next Q+A report but we will definitely get back to you with an answer very quickly. And if we don't know then we'll find out.

New on the Stepping Stones Rental Blog

Isabella has started working with us over at Stepping Stone Rentals and has published a new blog post there. Take a look at making the most of your medium term rental at the blog.

There'll be further blog posts on the SSR blog on a regular basis now so keep an eye out there too. And speaking of SSR...

Stepping Stone Rental of the Week

Above the clouds in Serra

This is the home for nature lovers who still want to be part of the city!

Enjoy this large spacious home nestled a'top of Serra. Look from any of the many windows, doorways, or terrace and observe green trees on the blue Valencian horizon. It's calm, it's rejuvenating, it's private - It's Serra. Spend the weekend hiking the surrounding mountains and when you've had enough peace then pop down into the town for some "barrio" atmosphere to enjoy a drink and tapa...

Host a barbeque for all your family, cousins, friends, and friends of friends - There's plenty of space with 4 bedrooms and a study room!

And, why not!... Even follow the current trend of Cold-Water dunking by jumping into your own outdoor pool!

Newly renovated and fully equipped we certainly can call this place a better home away from home.

Property of the Week 205K Sueca

For those of you still seeking a place in the sun, but have realised that the ship has sailed straight past your budget for an apartment in the city, it may be time to take a closer look at the towns up, down and around the province.

Here in Sueca we present the kind of property that will tick a lot of boxes for a lot of people, set on a tranquil road in a well populated village, with all the bars, restaurants, shops and amenities you will ever need and a mere stones throw to the train station when you want to explore the rest of the province. Admire the pleasant countryside for 40 minutes and step into the centre of Valencia or 15 Minutes in the car will lead you to the pretty seaside shores of Mareny Blau, Bega del Mar and the Coves of Cullera.

This multi level apartment has two Bedrooms, two Bathrooms, a Dressing Room, large Living Space and excellent Kitchen, Reception Entrance at street level for bikes and storage, whilst upstairs the third Bedroom/Office/Study opens on to an immaculate terrace that overlooks the roof tops for fresh air and sunshine in this peaceful neighbourhood.

Great location and Bang for Buck with a true Spain Experience, what more can you ask for?

How Can We Help You?

Well you could start by filling in the form below with your requirements and we can immediately start looking for your perfect property in Valencia.

Valencia Property Consultation Form

If You Enjoyed This...

Then for sure you'll enjoy more of our quality articles, podcasts and more. Just click on the images below to read more...

The Port Authority of #Castelló, #Valencia, #Spain, has announced a €99.7k (US$114.2k) tender for the rennovation of the 1993 Irta #Lighthouse, one of the only two lighthouses in Spain designed by a woman (Rita Loritem, in this case). #Castellón #España #faro

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— Your Friendly Neighborhood Pharologist (@pharology.bsky.social) October 9, 2025 at 4:49 PM

If you've driven through the outskirts of Valencia especially the area bordering the CV30 to the South of Malilla (or Barcelona, or Seville, or literally anywhere in Spain) lately, you've probably experienced a peculiar déjà vu. buff.ly/WhbB2Dl

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— Graham Hunt (@grahunt.bsky.social) October 9, 2025 at 1:37 PM