2026 edition · UK & Spain
Holiday let or long-term? UK vs Spain, decoded.
Real formulas. 24% Spanish non-resident tax on gross. Licence bans by region. Every figure in EUR and GBP — after FHL abolished + Brexit.
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Instant UK vs Spain tax breakdown, PDF reports and the licence checker.
24% on gross, not net
UK owners lost EU status. €26,280 holiday income = €6,307 Spanish tax before a single cost.
Licences are closing
Barcelona won't renew ~10,100 licences. Malaga has a 3-year moratorium.
FHL is gone in the UK
Since April 2025, holiday lets get only a 20% credit on mortgage interest — same as long-term.
Frequently asked
Can UK owners holiday let in Spain after Brexit?
Yes, but you need a regional tourist licence (VUT) plus the national NRUA registration from 1 July 2025, and some cities (Barcelona, Malaga) have bans or moratoriums. UK owners pay 24% non-resident tax on gross income.
What is Spanish tourist licence VUT?
VUT (Vivienda de Uso Turístico) is the regional registration needed to let a home to tourists for short stays. Rules and availability vary by region and town hall.
How much tax do UK owners pay in Spain?
Since Brexit, UK residents are non-EU and pay 24% IRNR on gross rental income with no deductions, filed via Modelo 210. EU residents pay 19% on net profit.
Typical 60–70% LTV for UK buyers. See current rates.
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