TempleCAMBRIA

TempleCAMBRIA Law firm that provides assistance to international clients on the Costa de la Luz area

If you own a home in Spain and the paperwork doesn't quite match what's actually there, you are far from alone. On the C...
01/09/2026

If you own a home in Spain and the paperwork doesn't quite match what's actually there, you are far from alone. On the Costa de la Luz, especially on rural land around Conil, Vejer and Barbate, it is very common for an extension, a pool or even a whole house to be missing from the property registry.

Why? Registering a build has never been compulsory in Spain, and plenty of owners chose to save on the notary, registry and tax costs at the time. The trouble tends to come later. Banks usually won't lend on a property the registry doesn't describe correctly, and buyers often walk away once they notice the gap.

The good news is that it can be put right, with a declaración de obra nueva, a notarial deed that brings the registry into line with reality. If the build has its licences, it is fairly straightforward. If it doesn't, there is often still a way in through the "by age" route, once the build is safely over 6 years old. That route has real limits though, and getting it wrong can draw the town hall's attention, so it is worth taking advice first.

Save this post for later. And if you want to know which route applies to your property, talk to us directly: email [email protected] or call (+34) 956 440 172.

21/08/2026

If I die, will my family face a large tax bill on the property in Spain?

It is one of the questions we are asked most often, and the answer in Andalucía surprises people. Usually, there is nothing to pay.

Since 2018 each close family member has an allowance of one million euros. Children, grandchildren, a spouse or registered civil partner, parents, grandparents, adopted children and adoptive parents. Up to that figure, no inheritance tax. Above it, the first million is still free and the tax on the remainder is reduced by ninety nine per cent.

What people find hardest to believe is that living in the United Kingdom does not change any of this. The Court of Justice of the European Union and the Spanish Supreme Court have both ruled that non residents cannot be treated worse than residents. The Andalucían rules apply to your family in the same way, as long as
the property is here in Andalucía.

That does not mean there is nothing to do. The paperwork still has to be done properly and the reduction has to be claimed correctly, and every family's position is different. It is worth knowing where you actually stand rather than assuming the worst.

If you would like the figures for your own situation, we are glad to go through them with you.

Comment INHERITANCE below and we will send you the full article.

If you live a little outside town, on a finca or in one of the non-urbanised areas around Chiclana, Conil or the wider C...
09/07/2026

If you live a little outside town, on a finca or in one of the non-urbanised areas around Chiclana, Conil or the wider Cádiz countryside, there is a good chance the postman simply does not reach your door.

That sounds harmless until a road tax bill or a traffic fine is sent by post. By the time you realise it exists, the deadline has often passed and the money has already been taken from your account. At that point it is too late to query it or pay it on time, and late penalties and interest have been added on top.

There is a straightforward fix, and it is the same one we set up for a lot of our clients. You move your official post online, so everything arrives by email instead.

It comes down to three steps:

One, get a digital signature. This is the digital certificate that proves who you are online, and everything else relies on it.

Two, register with the DEHú. Think of it as Spain’s single inbox for official letters. Once you are in, the tax office, the Diputación de Cádiz and your town hall send their notifications to your email.

Three, add the DEV. This is the same thing for the Traffic Department. You see a fine the day it is issued, so you can challenge it if it is wrong, or pay within 20 days and keep the 50 percent discount.

Set this up once and the days of finding out too late are behind you.

We have written out the full step-by-step, with every link and screen, so you can follow it easily.

Comment ‘NOTIFICATIONS’ and we will send it to you.

templecambia

26/06/2026

Some people come here on holiday and never quite stop thinking about it.

The slow mornings. The light. The wind coming off the Atlantic. A home with the sea just down the road.

If you ever decide to make it real, the legal side of buying here is our part. We take care of it quietly and properly, so you can get on with the good bit.

No rush. We are here when you are ready.

WHAT IS AN AFO? AND WHY IT MATTERS BEFORE YOU BUYIf you are buying a rural property in Andalucía, this is one of the mos...
24/06/2026

WHAT IS AN AFO? AND WHY IT MATTERS BEFORE YOU BUY

If you are buying a rural property in Andalucía, this is one of the most important things to understand before you sign.

Thousands of homes in the Andalucian countryside sit in a legal grey area. They were built without full planning permission, but they are now too old for the authorities to demolish. That status is called an AFO (Asimilado Fuera de Ordenación).

An AFO does not make a property legal. What it does do is significant: it lets you connect mains water, electricity and sanitation, carry out essential repairs, and in most municipalities register the plot independently in the Land Registry, which means it can even be mortgaged.

What an AFO will never allow is extensions or new construction, only repairs and maintenance.

Buying one of these properties is not necessarily a mistake. But it has to be done with your eyes open and proper legal due diligence behind you.

We have been guiding international buyers through AFO status, illegal builds and rural purchases on the Costa de la Luz since 2006.

Thinking about a specific property? Leave a question in the comments or send us a message, and we will point you in the right direction.

TempleCAMBRIA has been a member of AeConil, Conil’s Business and Trade Association, for a good while now, proud to suppo...
18/06/2026

TempleCAMBRIA has been a member of AeConil, Conil’s Business and Trade Association, for a good while now, proud to support the local business community in our town.

Since 2006, we’ve helped resident and non-resident foreigners with everything life in Spain throws their way: property purchases, inheritance & wills, NIE & residency, tax, always with clear, plain-English advice and a genuinely human touch.

Thank you AeConil for everything you do for local business in Conil.

Calle Virgen de la Luz, esq. Calle Poniente, Conil
956 44 01 72 · templecambria.com

Got a legal matter on your hands? Message us or drop by the office, we’re here to help.



Quizá no lo sabías.

En TempleCAMBRIA somos socios de AeConil, la Asociación de Empresas y Comercios de Conil, desde hace tiempo, orgullosos de apoyar al comercio y al tejido empresarial de nuestro pueblo.

Llevamos desde 2006 acompañando a residentes y no residentes extranjeros en todo lo que la vida en España les plantea: compraventa de propiedades, herencias y testamentos, NIE y residencia, fiscalidad, siempre con un trato cercano, claro y sin tecnicismos.

Gracias a AeConil por todo lo que hacéis por el comercio de Conil.

Calle Virgen de la Luz, esq. Calle Poniente, Conil
956 44 01 72 · templecambria.com

¿Tienes un tema legal entre manos? Escríbenos o pásate por la oficina, te ayudamos.

The price on the listing is never the price you actually pay. When you buy a resale home here in Andalucía, you need to ...
16/06/2026

The price on the listing is never the price you actually pay. When you buy a resale home here in Andalucía, you need to budget roughly another 10 to 13% on top before the keys are yours.

Most of that is the transfer tax: 7% of the purchase price on resale properties, due within 60 days of signing at the notary. New builds work differently, with 10% VAT plus 1.2% stamp duty.

Then there are the smaller costs that quietly add up. The notary, the land registry, your lawyer, the gestoría. On a 250,000 euro home you're realistically looking at around 277,000 all in. On a 400,000 one, closer to 443,000.

And it carries on after you've bought. The IBI (the council tax), non-resident tax if you're not here full time, community fees and home insurance all come round every year.

None of this is meant to put you off. It's simply better to know the real figure before you lose your heart to somewhere along the Costa de la Luz.

Email or phone us and we'll give you a rough breakdown for your own budget.

Dirección

Calle Virgen De La Luz, ESquare Calle Poniente
Conil De La Frontera
11140

Horario de Apertura

Lunes 09:30 - 13:30
15:30 - 18:30
Martes 09:00 - 13:30
14:00 - 18:30
Miércoles 09:00 - 17:00
18:00 - 18:30
Jueves 09:00 - 17:00
18:00 - 18:30
Viernes 09:00 - 13:30

Notificaciones

Sé el primero en enterarse y déjanos enviarle un correo electrónico cuando TempleCAMBRIA publique noticias y promociones. Su dirección de correo electrónico no se utilizará para ningún otro fin, y puede darse de baja en cualquier momento.

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