García Tormo Abogadoswith Top Gear Mobility
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Legal help for your life in Spain, in your own language.

We are a law firm in Elche. We advise you on your NIE, your home purchase, your will and trouble with the authorities. Our assistant answers in English, Dutch and German.

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  • Law firm in Elche, Alicante
  • Quick answers in English, Dutch and German
  • No cookies, no tracking
Doc. 1: a consultation at our office

With Top Gear Mobility

You have just landed, rented a car or are planning a move. This is where you find legal help for the paperwork that comes next.

From the first form to the keys

Buying a home or settling in Spain follows a fairly fixed order. Knowing it in advance saves time and avoids expensive surprises.

  1. Get your NIE

    The NIE is the tax identification number for foreigners. You need it for almost every formal step: buying, signing a rental contract, paying taxes or connecting utilities.

  2. Open a Spanish bank account

    A local account makes it easier to pay for the purchase, taxes and household bills. We explain what the bank will ask for so you arrive prepared.

  3. Check the property before you commit

    We look at who owns it, whether it carries mortgages, debts or embargoes, whether the community fees are paid and whether the building matches its paperwork.

  4. Sign at the notary

    We read the deed with you before the signing, so you know what you sign and what happens afterwards, including registration of your ownership.

  5. Understand your taxes

    Buying, owning and selling in Spain each have their own taxes, and non-residents are treated differently from residents. We explain what applies to you.

  6. Plan your will and inheritance

    If you own a home here, your heirs will deal with Spanish rules. We help you decide whether to make a Spanish will next to the one in your home country.

What we handle

Four areas cover almost everything people living or buying in Spain ask us.

  • Property and civil matters

    Purchases and sales, rental contracts, NIE, due diligence on the property and the paperwork around the notary.

    • NIE and bank account
    • Checks on the property
    • Deed and registration
  • Inheritance and wills

    Spanish wills, succession planning, accepting an inheritance and dealing with the authorities when someone dies.

    • Spanish will
    • Succession planning
    • Accepting an inheritance
  • Administrative procedures

    Fines, disputes with the town hall, problems with utility companies and official notifications you do not understand.

    • Fines and penalties
    • Town hall disputes
    • Utility problems
  • Criminal and traffic matters

    Drink-driving, road accidents, fights and any case where you need a defence lawyer quickly.

    • Drink-driving
    • Road accidents
    • Urgent defence

How it works

  1. Ask a quick question

    Our assistant answers general questions at any time, in your language.

  2. Request a call

    Fill in the form with a few lines about your case.

  3. We write back

    A lawyer replies by email to agree a time.

  4. We speak by phone

    You explain your situation and hear your options.

Common questions

General answers to what people ask us most. They do not replace advice on your own case.

Updated: November 2026

Do I need a NIE to buy a home in Spain?

In practice, yes. The NIE is the tax identification number for foreigners, and it is needed to sign the deed, pay the taxes of the purchase and connect utilities. You normally need an appointment with the immigration office, the police or a Spanish consulate, a reason for needing it and a fee, and waiting times vary, so apply early. A lawyer can tell you the fastest route for your situation.

Can I open a Spanish bank account as a foreigner?

Yes. Many banks open accounts for foreigners, whether they are residents or not. They usually ask for your passport and often for your NIE, plus some proof of where you live and why you need the account, though some accept less. Requirements differ from bank to bank, so it is worth asking before you travel.

What should be checked before buying a property?

Who owns it, whether it carries mortgages, debts or embargoes in the property register, whether the community fees and local taxes are paid, and whether the building and any extension match the official paperwork. A lawyer should review this before you sign anything, including a reservation contract.

What happens at the notary?

The notary reads the deed with both parties, checks identities and the payment, and then you sign. Afterwards the deed has to be registered in the property register and the taxes paid. It is wise to review the deed with a lawyer before the day of the signing, so there are no surprises.

Which taxes apply when I buy a home?

It depends on whether the home is new or second-hand, and on the region. For a second-hand home a transfer tax (ITP) usually applies; for a new home, VAT plus stamp duty (AJD). While you own it there are annual property taxes, and non-residents also file an annual tax return in Spain for the property. Non-residents are taxed differently from residents. Rates change, so a lawyer should confirm them for your case.

Do I need a Spanish will?

If you own property in Spain, your heirs will have to deal with Spanish procedures for it, even if you live abroad. Many owners make a Spanish will next to the one in their home country, because it can make the process simpler. Whether it suits you depends on your family and your assets.

I received a fine or an official letter I do not understand. What now?

Do not ignore it: deadlines to respond are often short, so act quickly. Traffic fines are often notified through an electronic mailbox or by post, and if you were driving a rental car the fine may reach the rental company first, which then identifies the driver. Keep the letter and the envelope, and do not send personal documents in this chat. Request a call and a lawyer will look at it with you.

I had a traffic accident or was stopped for drink-driving. What should I do?

Get legal help as soon as you can, and make sure you understand anything you are asked to sign. These cases have strict deadlines and the first steps matter. It is urgent: call the firm on +34 965 641 926 or request a call, and a lawyer will explain your options.

Can I live in Spain if I buy a home there?

It depends on your nationality. EU citizens can live in Spain under EU rules, but must register if they stay longer than three months. For people from outside the EU, buying a home does not give a residence permit by itself: the Golden Visa investor route, which included property purchases, closed to new applications in April 2025. Other routes exist, so a lawyer should look at your case.

Request a call with a lawyer

Tell us what you need. We reply by email to agree a time for a phone call.

Prefer to talk now? Call +34 965 641 926, Monday to Friday.
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The firm

García Tormo Abogados is a small law firm in Elche, in the province of Alicante. Both lawyers are registered with the Bar Association of Elche.

We explain things in plain language, tell you the options and the risks without exaggerating, and stay with you until the matter is closed.

  • José Carlos Tormo García

    José Carlos Tormo García

    Labour, commercial and succession law. Working with companies and individuals in Elche since 1997.

  • Vicente García Herrero

    Vicente García Herrero

    Criminal and family law, with a focus on divorces and inheritance procedures. Fifteen years of practice.