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  • The drier, hotter climate helps a host of health ailments

  • The cost of fuel is cheaper in Spain

  • The need for house heating is less

  • Winter clothing costs are less due to the need for lighter cloths

  • Many clubs & social events are arranged to suit most needs

  • Life expectancy is higher than in the UK

  • Anyone Retiring to Spain must obtain a residence visa from the Spanish Consulate (from the UK) or when in Spain.This is now very easy

  • Many charities look for volunteers to help in their cause

  • Age is seen as less a barrier for continued working in Spain hence more respect is shown the older generation than might be found in the UK

  • Should you learn the language many exciting Spanish gatherings can be found

  • Find a home near to shops and suitable for year round living, Think hard before buying a country retreat.

  • Ensure your NI contributions are paid in full until retirement age

  • Pensions will be transferred to your Spanish address by filling in a form obtained from the DSS Ask at your local DSS office

  • Seek financial advice should you have an amount of finance behind you ,as to how best invest this cash. (off shore investments are available from Gibraltar)

  • Speak to your Bank manager (both Barclays & Nat West have Spanish Branches)

  • Do ensure you have sufficient cash or pension to live permanently in Spain (the fall of sterling against the Euro can effect  your life here)

  • Discuss your funeral and will requirements with your partner or family ,this will help save any problems in future times.(this advice is given to ALL expats regardless of age)

  • Spanish funerals are usually conducted within a day or two of death and is seen as more light hearted than their UK equivalents with graves being in tombs rather than under ground

  • Funerals may cost from a few hundred pounds to an average 2750 and most formalities will be conducted by the director ,Tombs are rented for ten year periods and beyond.

  • Plans and arrangements should be made in advance for any remaining partner who could be left following the death of there loved ones.

  • Your financial advisor or UK tax office may give you any tax advice you may require

  • On retirement age you will be entitled to Free health benefits as the Spanish would be including  Hospital treatment, However we would recommend private health insurance if affordable.

  • Doctor & Dentist costs may not be covered by the Social Services which can still prove expensive

  • The British Consulate Office nearest you will offer leaflets and  advice should you contact them.

  • Holiday to your favoured area & ask expats for their views & help in matters that concern you.



  • DSS Pensions & Overseas Benefits, Newcastle upon tyne NE98 1YX  Tel: 06451 54811

  • The Spanish Consulate Office  20 Draycott place,London SW3

  • The British Consulate Malaga Tel: (0034) 952 217571

We are able to help in finding Property or pointing you in the right direction please view other relevant pages of this site or ring our help line ... Happy Retirement