Holiday let vs long-term let
£1 = €1.1700 (fallback)
Costa Blanca licence: GREEN — Generally open but need regional VUT + national NRUA registration from July 1 2025. Check local town hall.
Long-term let
StableGross income€12,000 £10,256
After costs€7,600 £6,496
UK owners pay 24% on gross €-2,880 £-2,462
After Spanish tax€4,720 £4,034
UK top-up tax €0 £0
Mortgage interest€-6,000 £-5,128
Monthly cashflow
€-107 £-91
Net yield
1.89%
ROI on cash
3.63%
Holiday let
High return · High regulation · High hassleGross income€26,280 £22,462
After costs€12,568 £10,742
UK owners pay 24% on gross €-6,307 £-5,391
After Spanish tax€6,261 £5,351
UK top-up tax €0 £0
Mortgage interest€-6,000 £-5,128
Monthly cashflow
€22 £19
Net yield
2.50%
ROI on cash
4.82%
| Annual costs | Long-term | Holiday |
|---|---|---|
| Community fees | €2,400 | €2,400 |
| IBI | €500 | €500 |
| Insurance | €300 | €300 |
| Cleaning (44 changeovers) | €0 | €3,942 |
| Management | €1,200 | €6,570 |
| Total | €4,400 | €13,712 |
Annual comparison (€)
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