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Legal notes in plain words — property, inheritance, residency and daily life in the Canary Islands, explained for international readers.
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A Spanish mortgage as a non-resident: what the law protects before you sign
A bank in Spain offers a buyer from abroad a mortgage and a signing date. Before the signature, Ley 5/2019 gives that buyer the same rights as a resident: the papers at least ten calendar days ahead, a free and compulsory session with a notary of their choice, a fixed split of the set-up costs and, when the income is in pounds or francs, the rules on foreign-currency loans. This guide goes through each, with what the bank may attach to the loan and what happens on early repayment or default.
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Phishing and unauthorised payments in Spain: when the bank must give the money back
The bank's first answer is that the payments were authenticated with your credentials. Spanish payment law asks something else: did you consent? An unauthorised payment must be refunded by the end of the next business day, the bank bears the burden of proving fraud or gross negligence, and the Supreme Court called that liability quasi-strict in 2025. What the customer must do, what «gross negligence» has meant in the Canary courts, and the route: the bank, the Banco de España, the court.
IRPH Mortgages in 2026: What the Supreme Court Settled — and the Door Still Open
Spain's Supreme Court has drawn the IRPH map: transparency alone no longer voids the clause, and the broad claim is nearly closed — but loans where the index was never properly incorporated can still fall entirely. The honest picture.
Floor clauses, mortgage costs, revolving cards: the bank claims courts still uphold
Years after the headlines, Spanish and EU courts keep siding with consumers. A field guide to the claims that remain open in 2026.