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Retiring to Spain

Retiring to Spain Spain has mild winters and a relatively affordable cost of living - so it's easy to see why so many of us want to retire there!

But is this dream still an option for Brits in the post-Brexit world?

Yes! There are a number of ways you can retire to Spain, and even after Brexit you will still be able to access free if you're over 65, and access your pension too.

How can you retire to Spain?

If you're planning to spend more than 90 days in every 180 in Spain you'll need to have a visa or Spanish residency. There aren't any visas specifically aimed at retirees, but there are a few options available to you, and the right one for you will depend on your circumstances. Find out more about the options available to you:

Accessing healthcare as a retiree in Spain

If you're under 65 and planning to move to Spain you need to have private medical insurance. But if you have a UK-issued S1 healthcare entitlement certificate (available to anyone receiving a UK state pension) then you will continue to enjoy the same access to Spanish state healthcare as Spanish citizens.

Find out more about healthcare in Spain.

Your pensions in Spain

If you spend more than 180 days a year in Spain you will automatically become tax resident so will pay tax on your worldwide assets, including state and private pensions. Pensioners can draw their pensions whilst living in Spain. With a few exceptions UK pensions will be uprated, and if you have the option to draw down a lump sum from your pension, experts advise that you do this whilst you are still tax resident in the UK.

FAQs: Retiring to Spain

Can I retire to Spain from the UK after Brexit?

Yes, UK citizens can retire to Spain post-Brexit, but you’ll need to apply for a residency permit and meet certain requirements. It’s important to start the process early and understand the updated rules for healthcare, visas, and taxes.

How do I retire to Spain from the UK?

To retire in Spain, you should secure residency, arrange healthcare coverage, and find suitable property to buy or rent in Spain. It’s also wise to consider financial planning, such as pension transfers and taxation, understanding the cost of living. Aim to learn the language.

Can I buy property in Spain if I’m retiring there?

Absolutely. Non-residents, including retirees from the UK, can purchase property in Spain. Buying property is often a key step in the retirement process, offering a base to live year-round or spend extended holidays.

What are the pitfalls of retiring to Spain from the UK?

Common pitfalls include underestimating the cost of living, not understanding tax obligations, ignoring healthcare registration, and overlooking residency paperwork. Choosing the wrong location is another. Proper research and professional advice help avoid these issues.

Can I still retire to Spain from the UK in 2025?

Yes, retiring to Spain in 2025 is possible, but requirements have evolved post-Brexit. It’s essential to check the latest residency and visa rules to ensure compliance and a smooth relocation. Use expert help for a more stress-free or successful process.

What is the process to buy property for sale in Spain?

The process involves finding a property, making an offer, conducting legal checks, signing contracts, and completing the transaction through a notary. Working with local real estate experts and lawyers is highly recommended.

Is healthcare available to UK retirees in Spain?

Yes, UK retirees can access healthcare in Spain, but you need to register with the local health system. Some retirees use private health insurance, especially during the residency application phase.  If you are of UK state pension age you can access the healthcare on the same basis as the Spanish through an S1 certificate.

Can I retire in Spain without speaking Spanish?

While it’s possible to retire in Spain without speaking fluent Spanish, learning the language will greatly improve your experience and integration. Many expats live comfortably with basic Spanish and local support.  Sometimes you can get free lessons in Spain.

Retiring to Spain Download our guide