Jávea, Spain, is a picturesque coastal town offering a relaxed Mediterranean lifestyle with stunning beaches, vibrant culture, and excellent amenities. It’s an ideal place to work, live, and retire, combining natural beauty with a welcoming community.
Living abroad shouldn’t mean losing control of your finances. At ARIA Private Clients, we provide British expats in Spain with personalized advice, tax-efficient structures, and tailored wealth solutions.
Whether you’re managing assets across borders or planning your legacy, we help you move forward with clarity and confidence.
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ARIA Private Clients is a multi-licensed, multi-jurisdictional financial advice proposition, designed to cater to internationally mobile individuals that require cross-border financial planning.
We work together to create a more prosperous path for you, helping to identify, achieve, and maintain your desired lifestyle.
Our clients can rely on us to protect their wealth and have access to every opportunity for growth as they move across the globe.
Our role is to provide peace of mind and intelligently find solutions to meet your financial aspirations — whether that be investing a lump sum, maximizing tax efficiencies internationally, reducing an inheritance tax bill, or guiding you through the maze that is retirement planning.
We believe that with our help, financial planning means you can make fully informed decisions about you, yours, and your family’s future.
Moreras Del Saladar, Avenida Del Pla, Ctra Del Cabo De La Nao, Jávea, Alicante 03730
• There is free onsite self-parking for many of the apartments / buildings in Moreras del Saladar Platja de L’Arenal. (vrbo)
• Private parking is included in some apartments / units. (Booking.com)
• However some accommodation (e.g. “Moreras del Saladar” via HolidayHome.com) state that you cannot park directly on the premises of that specific property. (Holidayhome.com)
• There is no train station very close (Spain’s train system doesn’t serve all small coastal towns directly). The nearest larger train stations are in Alicante / Valencia etc.
• Local and regional bus services operate in Jávea; there are bus stops within walking distance of Moreras del Saladar. (Exact bus route numbers depend on where you’re coming from.)
• Some booking listings say “nearest bus stop ~300 m” or similar. For example, in the Interhome listing: bus stop 300 m. (Interhome)
• Taxis are available in Jávea; ride-share / local taxi firms can drop you off nearby Moreras del Saladar via Avenida del Pla / Ctra del Cabo de la Nao.
• For properties with private or onsite parking, a drop-off point at or near the entrance is likely.
• However depending on the specific apartment building some roads might be more winding or narrower (especially near urbanisation edges).
• Once you arrive at Moreras del Saladar, you’ll likely approach via Avenida del Pla or Ctra del Cabo de la Nao. Follow signage or maps to the specific unit (many are in complexes / apartment blocks). • Sidewalks / paths are present but may be uneven in parts near urbanisation.
• There are amenities nearby (restaurants, shops) especially in the Arenal area. Beach is walkable: e.g. several listings say ~5-10 min walk to Arenal beach. (vrbo)
• For the specific apartment “Apartamento Moreras del Saladar,” free private parking is indicated and apartment is air-conditioned with standard layout. (Booking.com)
• Some listings show that the building has elevator / lift access. For example, the Interhome residence listing mentions a lift. (Interhome)
• However one property listing (Expedia one) says “this property does not have elevators”. So accessibility will depend heavily on which block / apartment you are using. (expedia)
• Onsite parking includes wheelchair-accessible parking spaces in some listings. (Hotels.com)
• Outdoor walking paths likely level in many parts, but some stairs / thresholds expected in older buildings.
• Amenities such as pool, garden, terrace are common.
• Accommodations are air conditioned.
• If mobility is needed, ensure the specific unit is ground floor or lift-accessible.
The fiscal year in Spain runs from 1st January to 31st December each year, and Spanish tax residents are required to complete a tax declaration, or Modelo 100 between the 3rd April and 1st July in the following year.
Capital Gains rules in Spain are complicated – in particular for the sale of a property, the calculations can involved a number of deductions, before arriving at a final figure.
Habitually, Spanish residents are liable for capital gains taxes on disposal of any worldwide asset.
Since 2013, there has been a requirement for anybody living in Spain, yet having assets that total more than 50,000 EUR outside of Spain to declare those assets to the Spanish government.
Failsure to do so could incur significant penalties, or worst, in the case that those assets total more than 120,000 EUR.
Assets which need to be reported include:
• Banks Accounts
• Property
• Shares
• Life Insurance Policie
Whilst the list is not exhaustive, there are tax efficient vehicles that can reduce any unnecessary tax obligations.
Owning property in Spain triggers IBI (Impuesto sobre Bienes Inmuebles) and other municipal levies; solution: regular assessment and planning for property-related expenses ensures cashflow and compliance.
In 2008, the Spanish government introduced, before removing and subsequently re-introducing a wealth tax that is designed for those of significant wealth on a worldwide basis, but are resident in Spain.
There’s a tax free allowance, which varies depending on the Comundidad Autonoma where you are living (between 500,000-800.000 EUR), but then it is applied on declared worldwide assets.
From 2021, the tax rate starts at 2% rising up to 3.75% in certain circumstances. There are exemptions to the wealth tax, and assets can be structured tax efficiently. For residents for example, there is an additional 300,000 EUR available.
Once you are tax resident in Spain, you will be required to pay Spanish income on any pension income received whether that be state or from an employment scheme.
For UK expats, you will need to notify HMRC once you are deemed to be resident in Spain. To do so, you will complete a certificado de residencia fiscal NEN in your local tax office, who will forwards onto HMRC.
If you intend to take advantage of the UK ‘lump sum’ rules, you should bear in mind this may be taxable in Spain under the Spanish Savings Income Tax and will therefore not be tax free.
For those tax resident in Spain, their worldwide income will be subject to income tax on sources such as salary, pensions and property income.
Income tax is levied both at State and regionallly, which your local Comunidades Autonomas setting its rates separately.
The rates currently stand as follows:
• Spanish income tax for incomes up to €12,450: 19%
• Spanish income tax for incomes ranging from €12,451 to €20,200: 24%
• Spanish income tax for incomes ranging from €20,201 to €35,200: 30%
• Spanish income tax for incomes ranging from €35,201 to €60,000: 37%
• Spanish income tax for incomes ranging from €60,000 to €300,000: 45%
• Spanish income tax for incomes over €300,000: 47%
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