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Retiring in Spain on a British Pension
If you are British, drawing a pension, and quietly wondering whether you could actually live in Spain, this book is for you. I've worked it all out the hard way, so you won't have to. It starts with the question most guides skip, which is whether you can really afford it, and then goes through the bits that catch people out. You will learn how the Non-Lucrative Visa works and how to get through the BLS application centres without coming unstuck.
There is a proper look at your State Pension once you are abroad, the National Insurance years you might be short, and how to sort that before you leave. I show you how to set up your banking so the pension reaches Spain without the exchange rate eating half of it, and I go through the tax on both sides, the UK-Spain treaty that stops you paying twice, and what HMRC wants from you under the Statutory Residence Test.
If you are selling a house back home, there is a chapter on the Capital Gains rules that takes a lot of people by surprise. And there are the ordinary issues as well, healthcare, what things cost, and what the days are actually like once the forms are filed. It is the book I wish someone had handed me when we started. No fantasy, no hard sell, just what you need to know and the order to do it in.
There is a proper look at your State Pension once you are abroad, the National Insurance years you might be short, and how to sort that before you leave. I show you how to set up your banking so the pension reaches Spain without the exchange rate eating half of it, and I go through the tax on both sides, the UK-Spain treaty that stops you paying twice, and what HMRC wants from you under the Statutory Residence Test.
If you are selling a house back home, there is a chapter on the Capital Gains rules that takes a lot of people by surprise. And there are the ordinary issues as well, healthcare, what things cost, and what the days are actually like once the forms are filed. It is the book I wish someone had handed me when we started. No fantasy, no hard sell, just what you need to know and the order to do it in.
