Welcome to Hoxton Wealth, the new home of Hoxton Capital
Retirement Destination Guide: Spain
Technical Guides • Retirement Destination Guide: Spain
Retirement Destination Guide: Spain
Your guide to lifestyle, tax, healthcare, property and more
Warm weather, a familiar lifestyle, excellent infrastructure, and a large British community make Spain one of the most attractive retirement destinations in Europe.
Add affordable property, high quality healthcare, strong transport links and access to the EU, and it becomes clear why Spain consistently ranks as a favourite among UK retirees.
The Retirement Destination Guide: Spain gives you a practical overview of what to expect and how to plan your move with confidence.
What You Will Learn
- Visa and residency pathways
Understand the Non Lucrative Visa and the Golden Visa, the financial requirements, how renewals work, and how these routes lead toward long term residence and eventual citizenship. - Cost of living insights
Learn what to expect for property, groceries, dining, utilities and lifestyle spending, including key differences between cities and coastal regions. - Tax and estate planning overview
Spain taxes residents on worldwide income, but the UK and Spain have a double tax treaty. Understand pension taxation, inheritance tax variations by region, and what to prepare before relocating. - Healthcare options
Spain offers one of the highest rated public healthcare systems in the world with many expats choosing private insurance for faster access. - Property ownership and buying rules
Foreigners can freely buy property in Spain, and purchases over €500,000 can qualify for the Golden Visa. Learn what to expect with mortgages and ownership structures. - Lifestyle and community
Sunshine, Mediterranean living, outdoor culture and a strong sense of community all shape daily life for retirees. - Safety, language and travel
Low crime rates, easy UK travel links and an increasing number of English speaking professionals in expat regions.
Who This Guide Is For
- Britons considering retirement in Spain who want clarity on lifestyle, tax, and residency.
- Retirees wanting secure income planning supported by Spain’s cost profile.
- Property buyers and investors weighing Spanish real estate as part of their retirement plan.
- Individuals seeking a Mediterranean lifestyle with reliable healthcare and community support.
Whether you want affordability, climate, medical access or a slower pace of life, this guide shows what to expect and how to prepare.
FAQs
Yes. UK nationals must apply for either the Non Lucrative Visa or the Golden Visa to live in Spain for longer periods.
Yes. There are no restrictions on foreigners purchasing property, and a qualifying purchase may support a Golden Visa application.
Many regions allow comfortable living for far less than the UK, although major cities like Madrid and Barcelona carry higher costs.
Pension income is taxable at progressive rates. The UK and Spain have a tax treaty that prevents double taxation.
Download Your Free Guide
Get your copy of our Retirement Destination Guide: Spain (2025 Edition) and plan your move with clarity and confidence.
Important information. This guide is for educational purposes only and should not be considered financial, legal or tax advice. Always consult a regulated adviser before making decisions.
Access Your Guide
Sign up to access your guide.
Contact Hoxton Wealth
Contact us today to discover how Hoxton Wealth can help you achieve your financial goals. Together, we can build a brighter financial future.
