LosInnocentes wrote:The problem is that I have a modest lump sum to invest in a business, but all the business that I think are viable are out of my price range. At the moment I have no work, and any work that I have had here in Spain has either been short term, casual or Black. I am legally resident here and a UK citizen, .
That could be another problem. You need to have a history of being fiscally active to be seen as a fiscal resident.
Paying your health and taxes for a couple of years will get you some credability, but if you only worked for cash and made no tax returns then you aren't seen as part of the system.
I see cases where British people selling their house don't expect to pay 3% CGT at the notary because they have residency, yet still are required to do so because they have never submitted tax returns or health payments during the previous years.
Things are getting really tight now, and if you are offered a loan or re-mortgage, take a close look at the terms and conditions, the banks are getting almost criminal with their costs and threats.