Why Choose Málaga for Your Next Business?

In recent years, Málaga has established itself as one of the most attractive and dynamic cities in Europe. Its pleasant climate all year round and high quality of life have contributed to it being recognised internationally as one of the best destinations to live.

The city has undergone a structural transformation that combines business growth, technological positioning, and strong residential demand, both nationally and internationally.
For real estate investors, this context makes Málaga a market of particular interest.

1⃣ Business Growth and Economic Stability

According to data published by the National Institute of Statistics (INE), Andalusia maintains a solid business survival rate compared to other Spanish regions, with Málaga being one of the most active provinces in terms of company creation.

This growth is not cyclical but structural, which generates stability in housing demand, both for purchase and rental.

2⃣ Málaga as an International Technology Hub

For real estate investors, this means a market with qualified demand and medium-to-high purchasing power.

3⃣ Real Estate Market: Data and Trends

At the same time, the city’s tourist appeal and international projection have significantly boosted the real estate market in recent years, generating a notable increase in residents both in Málaga and on the Costa del Sol.

According to reports published by the real estate portal Idealista, Málaga is among the Spanish cities with the most sustained increase in price per square metre in recent years.

The combination of international demand, remote work, and climate makes for a tight but attractive market in terms of profitability.

4⃣ Factors Supporting Investment

Beyond economic data, quality of life, climate, beaches, mountains, gastronomy, and multiple leisure options make Málaga stand out as a preferred destination for establishing permanent residence.

These factors are not financial indicators, but they directly influence the decisions of entrepreneurs, professionals, and investors seeking to combine business development with personal well-being.

5⃣ Why Málaga Attracts Foreign Investors

This balance makes Málaga a market that is less speculative and more structurally attractive.

What You Should Know Before Relocating

● Know the areas and their location to determine which best suits your lifestyle and business.
● Conduct a market study and analyse the real estate sector if you are considering buying or renting a property.
● Assess the educational offer, both national and international, public and private. There is a wide variety in this regard. In the following link, you can see the educational offer on the Costa del Sol.

Conclusion

Get advice from professionals who can guide you and help you find your favourite spot in Málaga!

“Ready to invest in Málaga and find your ideal property? Contact us today and receive personalised advice to locate the best real estate opportunities in the city and on the Costa del Sol”

www.hellospainproperties.com

The post Málaga is the Perfect Destination for Your Next Business and Real Estate Investment appeared first on hellospainproperties.com.

In this complete and up-to-date guide, we explain how to get a mortgage in Spain in 2026 as a non-resident, what the maximum age limits are, what interest rate types exist and which is usually the best, which banks offer the best options, what the mortgage evaluation process looks like for foreigners, and what documents banks require.

What Is a Mortgage for Non-Residents?

A mortgage for non-residents is a loan granted by a Spanish bank to people who do not live or pay taxes in Spain, even if they buy a property in the country. This type of financing is mainly used by:

• International investors buying to rent or diversify assets
• People purchasing a second home in Spain
• Foreigners planning to move later but not yet Spanish tax residents

Banks consider this profile as higher risk, so they apply more conservative lending criteria.

How Much Financing Do Banks Offer to Non-Residents?

In 2026, typical financing conditions for non-residents are:

• Maximum financing: between 60% and 70% of the lower value between purchase price and appraisal value
• Minimum down payment: between 30% and 40% of the price
• Additional costs: approximately 10%–12% (taxes, notary, registration, appraisal)

This means that, unlike residents, foreign buyers must have a significant initial capital before applying for a mortgage.

Maximum Age to Apply for a Mortgage as a Foreigner

Spanish banks do not set only a maximum age to sign a mortgage, but a maximum age at the end of the loan. The usual maximum age is between 70 and 75 years, depending on the bank

Practical examples

• Buyer aged 45 → maximum term 25–30 years
• Buyer aged 55 → maximum term 15–20 years
• Buyer aged 65 → maximum term 5–10 years

This factor is key in defining the term and monthly payment.

Interest Rate Types for Non-Resident Mortgages in 2026

Foreign non-residents can access the same mortgage types as residents, although with slightly higher interest rates due to higher risk.

Fixed-rate mortgage

A fixed-rate mortgage keeps the same payment throughout the life of the loan.

Main advantages:

• Stability and predictability
• Protection against Euribor increases
• Ideal for income in currencies other than euros

Disadvantages:

• Slightly higher initial interest

In 2026, fixed-rate mortgages are the most popular option for non-residents due to security.

Variable-rate mortgage

A variable-rate mortgage is linked to Euribor + margin set by the bank.

Advantages: Lower initial payments

Risks: Uncertainty in future payments & greater impact if income is in another currency.

This type is recommended only for high-risk tolerance profiles.

Mixed mortgage

A mixed mortgage combines both models:

• Fixed rate for the first 5–10 years
• Then variable rate

It’s a good option for those seeking initial stability and greater long-term flexibility.

Which interest rate is best for non-residents?
In most cases, fixed or mixed mortgages are the safest and most recommended options for foreign buyers.

Banks Offering Mortgages to Non-Residents in Spain (Costa del Sol and Málaga)

Not all banks actively work with international clients. In 2026, the most common banks for non-resident mortgages are:

• BBVA – Strong international presence and digital processes
• Banco Santander – Competitive conditions with linked products
• Banco Sabadell – Specialized in mortgages for foreigners
• Openbank – Online alternative with attractive fixed rates
• Banca March – Wealth management focus for high-net-worth profiles
• MyInvestor and Coinc – Digital options depending on financial profile

Final conditions depend on country of residence, job stability, income, and assets.

Requirements to Get a Mortgage in Spain as a Non-Resident

Basic documentation

• Valid passport
• NIE (Foreigner Identification Number)
• Tax residence certificate
• Bank statements from the last 3–6 months
• Employment contract or proof of income
• Tax returns from the country of residence

Additional documentation

• Certified translations into Spanish
• Apostille (depending on the country)
• Proof of assets or investments

Banks pay special attention to income stability, savings capacity, and currency risk.

Mortgage Evaluation Process for Foreigners (Step by Step)

1. Pre-financial assessment
   Analysis of income, debts, savings, and debt capacity
2. Mortgage simulation
   Comparing scenarios with different interest rates and terms
3. Submission of complete documentation
   Detailed review by the bank’s risk department
4. Property appraisal
   Conducted by a company approved by the Bank of Spain
5. Approval and binding offer
   Legal document with final conditions
6. Signing before a notary
   Signing of the mortgage and purchase contract

The process typically takes 6–12 weeks, but may take longer if documents come from abroad or if the appraisal is delayed.

Key Tips from a Real Estate Agency in the Costa del Sol (Málaga)

• Put down more than 30% if possible, especially in high-demand areas like Marbella, Estepona, or Málaga city
• Reduce or eliminate debts and avoid new financial commitments during the evaluation
• Provide complete and well-translated documentation to avoid delays
• Open a Spanish bank account and demonstrate savings capacity
• Work with a broker and a real estate agency specialized in Costa del Sol and Málaga for non-residents to negotiate better conditions and choose the bank that best fits your profile
• Consider properties with high liquidity (areas with strong international demand)

Frequently Asked Questions (FAQ)

Can I buy in the Costa del Sol without being a resident?

Yes. A non-resident can buy property in Spain and apply for a mortgage, as long as they meet the bank’s solvency and documentation requirements.

Do I need a NIE to buy?

Yes, the NIE is mandatory for any real estate transaction in Spain.

The official website of the Spanish government where you can start the NIE (Foreigner Identification Number) process is the Electronic Headquarters of the National Police – NIE Assignment‎.

Sede Electrónica de la Policía Nacional – Asignación de NIE‎

How much does buying a property in the Costa del Sol cost?

Besides the down payment, you must consider additional costs of approximately 10%–12% of the purchase price (taxes, notary, registration, management, appraisal).

Which area is best for investing in the Costa del Sol?

It depends on the objective: investment, second home, or resale. Generally, Marbella, Estepona, Fuengirola, and Málaga city are the areas with the highest international demand.

What type of mortgage is best for a non-resident?

In most cases, fixed or mixed for stability and predictability. Variable is recommended only if there is high risk tolerance.

How long does the mortgage process take?

Between 6 and 12 weeks, but it can be longer if documentation comes from abroad or appraisal is delayed.

We Summarize It for You

Here is a summary table with key points for getting a mortgage in Spain in 2026 as a non-resident, including bank types and which are best positioned in the Costa del Sol and Málaga for foreign clients.

Bank types and positioning for non-residents

Quick conclusion: For international clients buying in the Costa del Sol and Málaga, the best-positioned banks are those with experience in non-residents, especially in fixed-rate mortgages, and with processes adapted to foreign documentation.

Working with a real estate agency specialized in the Costa del Sol helps identify which bank fits your profile and negotiate better conditions from the start.

If you are considering buying on the Costa del Sol, we offer exclusive, no-obligation advice.
We help you calculate your mortgage, analyze your financial profile, and select properties with high investment or lifestyle potential.

Book your free consultation and discover your best options.

If you are considering buying on the Costa del Sol, we offer exclusive, no-obligation advice.
We help you calculate your mortgage, analyze your financial profile, and select properties with high investment or lifestyle potential.

www.hellospainproeprties.com

The post How to Get a Mortgage in Spain in 2026 as a Non-Resident (Complete Guide) appeared first on hellospainproperties.com.

Can you imagine working with the sound of the sea in the background, a strong Wi-Fi connection and 20°C in the middle of January?
More and more people are making that dream come true. Spain – and especially the Costa del Sol – has become one of the most desirable destinations for digital nomads from all over the world.

Since 2023, there’s been a new visa that makes it not only possible but simple and legal: the Digital Nomad Visa, designed for professionals who work online and want to enjoy Mediterranean life without giving up their international career.

At Hello Spain Properties, we see it every day — people from Northern Europe, Canada or Latin America who come “just for a few months” and end up staying for good. If you’re thinking of doing the same, here’s everything you need to know about applying, living here and making the most of this opportunity.

What Exactly Is the Digital Nomad Visa?

The Digital Nomad Visa allows you to live and work legally in Spain if you work remotely for a foreign company or as a freelancer with international clients.

It was introduced as part of the Startups Law, approved in 2022, with the aim of attracting global talent and entrepreneurs who can work from anywhere.

In short: if you can do your job online, you can move to Spain and keep working exactly as before — just with more sunshine and better food.

Main Requirements

To apply, you’ll need to meet a few key conditions:

1. Be a non-EU citizen.
2. Have a professional or work relationship with a foreign company or clients.
   • If you’re employed: your company must authorise you to work remotely.
   • If you’re self-employed: at least 80% of your income must come from outside Spain.
3. Show proof of sufficient income. Typically around €2,200 per month, depending on the consulate.
4. Hold a university degree or have at least three years of professional experience.
5. Hold valid private health insurance in Spain.
6. Have no criminal record in Spain or your country of origin.

It’s not an overly complex process, but it does require organisation. Many applicants start the process from their home country through a Spanish consulate, while others arrive on a tourist visa and then switch their status from within Spain.

Duration and Renewal

• The initial visa is valid for one year.
• It can be renewed for up to five years in total.
• Once approved, you can register as a resident, open a Spanish bank account, rent or buy property, and enjoy local services.

Another perk: you can travel freely throughout the Schengen area while holding this visa.

Tax Benefits That Make a Real Difference

One of the biggest attractions of this visa is its favourable tax regime. Under what’s commonly known as the Beckham Law, you only pay Spanish tax on your Spanish-sourced income (not your worldwide income) — and at a flat rate of 24% up to €600,000.

For remote professionals with international income, that can mean significant savings.

Why the Costa del Sol Is the Perfect Base for Digital Nomads

Because here, everything aligns.
The climate invites you outdoors every day, the internet connection is fast (fibre and 5G), there’s an international airport nearby, and the community is incredibly welcoming.

Málaga, Marbella, Estepona and Fuengirola all have coworking spaces filled with professionals from around the world. Some come for the winter and end up buying a home here.

“I came to spend one winter working from here… and I never wanted to go back to my office in London.”
— Tom, Hello Spain Properties client and happy resident in Mijas Costa.

Living here means having time for yourself again — surfing at sunrise, hiking at sunset, or enjoying a seaside lunch after your morning video calls.

Practical Tips If You’re Thinking of Moving

• Prepare your documents carefully: all translations must be done by a sworn translator.
• Open a Spanish bank account once you’ve received your NIE (foreign ID number).
• Choose a home that fits your work-life balance: natural light, a quiet corner for your office, and — if possible — inspiring views.
• Connect with other nomads and locals. There are active online communities, meetups and events all along the coast.

At Hello Spain Properties, we can help you find that perfect place where work doesn’t feel like work. Whether it’s a bright apartment in Málaga or a peaceful villa in Estepona, there’s a home here for every lifestyle.

In Summary

Spain’s Digital Nomad Visa opens the door to a new way of living — working from where you’re happiest.
And if what you’re looking for is quality of life, sunshine and genuine human connection, the Costa del Sol has it all.

If you’re ready to take the next step, tell us your story. We’ll help you find your perfect corner to work, live and enjoy the sun all year round.

Contact Hello Spain Properties and start your new life in paradise.

The post Work Remotely in Paradise appeared first on hellospainproperties.com.

If you have questions about the back-to-school period on the Costa del Sol, here are the key points for parents:

Start of the School Year

• Primary schools: classes start between 9th and 10th September.
• Secondary schools / older students: classes start between 14th and 15th September.

Note: exact dates may vary slightly depending on each school.

School Hours

• In Málaga schools, the typical school day runs from 9:00 am to 2:00 pm.

Morning Care (Aula Matinal)

• Designed for parents who start work before 9:00 am.
• Hours: 7:30 – 8:00 am.
• This service is sometimes paid, but financial assistance may be available for eligible families.

School Lunch / Canteen

• For parents unable to collect their children at 2:00 pm.
• Access requires proof of working hours from parents.
• Paid service, although subsidies are available for families meeting the criteria.

After-School Activities (Extra-Curriculars)

• After-school activities typically run from 4:00 pm onwards.
• These activities are not free and usually include sports, arts, music, or language classes.
• They take place within the school premises, making it convenient and safe for children while parents are still at work.
• A great solution for working parents, helping children stay engaged in structured and supervised activities after regular school hours.

School Books

• Compulsory education (Primary & Secondary): books are free.
  • Provided by the Junta de Andalucía, either as reused books from previous years or through a “chequelibro” voucher redeemable at specialised stores or stationery shops.
• Early years (3–5 years old) and post-4th ESO levels (Baccalaureate, vocational courses, university) are not free.

School Transport

• Many residential areas are on the outskirts, so school transport is essential.
• The Junta de Andalucía provides free transport to and from school, greatly helping parents with commuting.

Availability may depend on distance from the school and number of children requesting the service.

Conclusion

If you’re considering moving to Spain, this information about public education on the Costa del Sol will help you make informed decisions:

• Your child will have the opportunity to integrate with native Spanish-speaking peers, boosting language skills quickly.
• In a short time, your child can achieve a high level of Spanish, potentially becoming fluent.

The post Back to School on the Costa del Sol!! What You Need to Know appeared first on hellospainproperties.com.

300+ Days of Sunshine

Blue skies almost every day. Imagine morning coffee on your balcony in January or sunset swims in October. Sunshine here isn’t a luxury — it’s a way of life.

The Mediterranean Diet, Daily

Fresh fish from the market, juicy tomatoes, golden olive oil, a glass of Rioja. The Costa del Sol makes healthy eating effortless (and delicious).

Life by the Sea

Wherever you live, the beach is never far. Evening walks on the promenade, salty air in your hair, the sound of waves as your backdrop — it’s instant calm for the soul.

⿤ Endless Things to Do

From paddleboarding and yoga on the sand to world-class golf, flamenco nights, and mountain hikes — every day brings something new. Whether you’re sporty, creative, or just curious, boredom isn’t an option.

A Welcoming International Community

In Marbella, Fuengirola, and Estepona, you’ll meet people from all over the world. English is widely spoken, so settling in is easy — but you’ll also pick up Spanish naturally along the way.

Culture, Art & Creativity

Málaga, Picasso’s birthplace, is now one of Europe’s coolest small cities — full of museums, music festivals, flamenco shows, and art galleries. The vibe? Cosmopolitan but still relaxed.

Terraces, Tapas & Social Vibes

Here, life happens outdoors. Long lunches that turn into late-night conversations, tapas hopping with friends, and chilled vinos by the sea. Even if you arrive solo, you’ll never feel alone for long.

Life happens outside. Think beach bars, open-air markets, sunset dinners… It’s easy to meet people and feel at home, even if you come solo.

The post 7 Reasons You’ll Fall in Love with Life on the Costa del Sol appeared first on hellospainproperties.com.

Whether it’s your first visit or you’re returning for the charm that always leaves a mark, the Costa del Sol in southern Spain never fails to impress.

From breathtaking nature to thrilling activities, family fun, and rich cultural heritage, here are ten must-do things to do on the Costa del Sol that will make your stay truly unforgettable:

1. Family Fun at Aquamijas

Perfect for families looking for things to do in Mijas Costa, Aquamijas features waterslides, splash zones, and picnic areas in a fun, safe environment. It’s a top-rated water park on the Costa del Sol. https://aquamijas.com/

2. Sea Adventure: Jet Ski Along the Coast

One of the most exciting water sports in Costa del Sol, jet skiing between Fuengirola and Marbella offers a unique way to explore the Mediterranean with high-speed thrills and coastal views.

3. Nerja Caves: A Journey Through Time

These stunning Nerja caves offer a mix of prehistoric art and dramatic rock formations. A must for nature lovers, families, and history buffs exploring Andalusia’s hidden gems. https://cuevadenerja.es/

4. Bioparc Fuengirola: Nature With Respect

This immersive, eco-friendly zoo promotes ethical wildlife care and conservation. A must-do in Fuengirola for travelers seeking sustainable tourism in Spain. https://www.bioparcfuengirola.es/

5. Ride the Teleférico Benalmádena

Take in panoramic views with this scenic Benalmádena cable car ride. At the summit, enjoy falconry shows, hiking trails, and views stretching to Africa on clear days. https://www.telefericobenalmadena.com/

6. Explore Wildlife at Selwo Aventura (Estepona)

Experience a safari-style adventure just outside Estepona. Selwo Aventura combines wildlife, adventure activities, and nature in one of the most unique family attractions in Costa del Sol. https://www.selwo.es/

7. Zip Through the Trees at Aventura Amazonia Marbella

This tree-top adventure park offers zip lines, rope bridges, and obstacle courses in a beautiful forest setting near Elviria. A top choice for outdoor activities in Marbella.

https://aventura-amazonia.com/parques-amazonia/marbella?ulocale=es

Can you imagine having all of this at your fingertips 365 days a year?
The Costa del Sol isn’t just a vacation destination—it’s a lifestyle. If you’re considering buying a property in Spain, relocating to the Costa del Sol, or finding your dream second home, I’d be happy to guide you every step of the way.

Get in touch and discover why so many people decide to stay forever in this Mediterranean paradise.

The post 7 ADVENTURES YOU WOULDN´T MISS appeared first on hellospainproperties.com.

Here’s our carefully curated list of the best international schools on the Costa del Sol — from Marbella to Málaga and Sotogrande — to help you choose the perfect education for your children.

The Costa del Sol isn’t just a paradise of sunshine, beaches, and Mediterranean living — it’s also home to some of the best international schools in Spain. Whether you’re an expat relocating to Marbella, Málaga, Sotogrande or Estepona, there’s a wide range of British, American, German, French, and bilingual schools offering world-class education.

Top Locations: Marbella • San Pedro • Málaga • Estepona • Sotogrande

Top-Rated International Schools

These schools consistently rank among the best in the region:

Sotogrande International School
The British School of Málaga
Swans International School
Laude San Pedro International College
The American College in Spain
Deutsche Schule Málaga

Why Choose an International School on the Costa del Sol?

• Cultural diversity: Students from 30+ nationalities
• Academic excellence: International qualifications (IB, A‑Levels, GCSE, Bachillerato)
• Outdoor lifestyle: Year-round sunshine, beach & sports-friendly climate
• University access: Global recognition and pathways to top universities
• Support for expat families: Multilingual guidance and integration support

Best International Schools on the Costa del Sol (2025 Edition)

1. Aloha College – Nueva Andalucía (Marbella)

https://www.aloha-college.com/

• Curriculum: British (IGCSE, A‑Levels), Spanish, IB
• Ages: 3–18
• Strengths: Multicultural, top-notch facilities, academic results
  A well-established school with over 60 nationalities, modern labs, theatre, sports facilities, and bilingual learning.

2. Swans International School – Marbella

https://www.swansschool.com/

• Curriculum: British + IB
• Ages: 3–18
• Strengths: Personalised teaching, small classes, multicultural
  Over 40 years of excellence with a strong reputation in Marbella for academic support and pastoral care.

3. British International School of Marbella (BISM)

https://bsm.org.es/

• Curriculum: British (GCSE, A‑Levels)
• Ages: 3–18
• Strengths: Safe environment, innovation, creativity
  Modern campus with indoor pool, arts facilities, and international foundation background.

4. Laude San Pedro International College – San Pedro Alcántara

https://www.laudesanpedro.com/

• Curriculum: British + Spanish + IB
• Ages: 3–18
• Strengths: Bilingual education, wide extra-curriculars
  Top-rated in Andalucía, with sports, robotics, and language programmes.

5. Sotogrande International School (SIS) – Sotogrande

https://www.sis.ac/es

• Curriculum: Full IB (PYP, MYP, DP)
• Ages: 0.8–18
• Strengths: Elite sport, innovation, optional boarding
  An Apple Distinguished School with 1,300+ students from 50+ countries.

6. Deutsche Schule Málaga – Marbella / Málaga

https://www.dsmalaga.com/es/inicio/

• Curriculum: German + Spanish
• Ages: Early Years – 18
• Strengths: Academic rigour, science, bilingualism
  Founded in 1898 and re-established in 1967, this is the only German school in the region.

7. Lycée Français de Málaga – Málaga

https://lfmalaga.com/es/

• Curriculum: French + Spanish
• Ages: Early Years – Terminale
• Strengths: Baccalauréat Français, language excellence
  Ideal for French-speaking families relocating to Spain.

8. St. Anthony’s College – Mijas / Fuengirola

https://www.stanthonyscollege.com/

• Curriculum: British + Spanish
• Ages: 3–18
• Strengths: Longstanding tradition, personal attention
  Established in 1968, known for its inclusive and supportive environment.

9. Calpe School – San Pedro Alcántara

https://www.calpeschool.com/

• Curriculum: British (Early Years & Primary)
• Ages: 2–11
• Strengths: Family environment, small class sizes
  A great choice for early education with a nurturing approach.

10. Atlas American School of Málaga – Estepona

https://atlas-asm.es/

• Curriculum: American (K1–12)
• Ages: 3–18
• Strengths: Innovation, sport, entrepreneurship
  The first American curriculum school on the Costa del Sol, opened in 2022.

Summary Table

Recommendations by Focus

• For British curriculum & bilingual education: Aloha, Swans, BISM, Laude
• For IB with sports or tech: Sotogrande International School
• For German or French curriculum: Deutsche Schule Málaga, Lycée Français de Málaga
• For early years / smaller communities: St Anthony’s, Calpe
• For American curriculum & innovation: Atlas American School

Final Thoughts

If you’re relocating to the Costa del Sol and searching for the best school for your child, you’ll find a wide choice of academically strong, internationally minded schools—many offering global qualifications in a safe, sunny and dynamic environment.

Did you find this post helpful?

We hope this post was useful to you!!

The post Looking for the Best International Schools on the Costa del Sol? appeared first on hellospainproperties.com.