Link to Joe Holden user page Joe Holden Senior Business Development Manager (Direct) 08 September 2025 Whether you’re trying to avoid the dark winters, get away from the cost of living crisis, or simply want to broaden your horizons, then you’re not alone if you’re thinking of moving abroad from the UK. As IFA Magazine reports, as many as 23% of people in Britain are planning to emigrate in the next five years, with the greatest percentage (38%) in the 25–34 age range. In this guide, we’ll look at some of the best places to move abroad from the UK, including which countries are the easiest and most welcoming to Brits, with a focus on healthcare, retirement options, education, cost of living and culture. In this article Brits abroad: where do people from the UK live abroad? What you need to know about moving abroad as a British expat What are the best countries for Brits to move to? Brits abroad: where do people from the UK live abroad? With English as their first language, a strong global currency, and passports that offer access to almost the whole world, British people usually find it easier than most to move to a foreign country. And while it’s hard to guess the exact number of Brits who move abroad (there is no requirement for a British person to officially register themselves as an expatriate with the UK government), the most recent government survey in 2010 found 5.6 million Brits living overseas – a number which is likely to have increased considerably since then. Migration from the UK is driven by a number of reasons, whether it’s to seek new job opportunities abroad, to marry and raise a family or simply to enjoy a warmer climate. Ready to start your new life abroad? Choose international health insurance designed exclusively for expats From our experience of providing international health insurance for over 30 years, we at William Russell know that Brits tend to move to Anglosphere (English-speaking) countries as well as other developed Western countries – especially those within the European Union (EU). According to Compare My Move, in 2023 the countries that attracted the most British expatriates included: Rank Country % Expatriates 1 Spain 14.1% 2 USA 13.6% 3 Australia 11.2% 4 France 10.1% 5 Italy 6.7% 6 Germany 5.5% 7 United Arab Emirates 4% 8 New Zealand 3.8% 9 Ireland 3.2% 10 Canada 3.2% Why do Brits move abroad? As a highly developed, politically secure and socially liberal nation, the United Kingdom does not have many ‘push’ factors – things that make people want to leave (such as poor job prospects, political turmoil or high crime rates). Even so, thousands of Brits still move abroad every year, and for various reasons. Whether it’s the opportunity to sample a foreign culture, to further one’s career, to start a family or simply to save money, British expats tend to give a wide range of responses when asked why they moved abroad. Research by Currencies Direct found that some of the most common reasons British expats give for moving overseas include: Seeking a better quality of life (45%) Looking to beat the cost of living crisis (39%) Going in search of better weather (37%) Improve their mental health (49%) 49% of British expats said their mental health improved in the first six months of living abroad. For many British people, the opportunity to grow their careers abroad also plays a significant role in their decision. Currencies Direct found that the jobs British people tend to seek overseas include I.T. (48%), healthcare (30%) and education (22%). Remote work is evolving across the globe But how do you juggle the work-life balance when working remotely? Becoming a British digital nomad Another reason Brits move abroad is to embrace the digital nomad lifestyle. Digital nomadism is a trend that emerged after the COVID-19 pandemic in which people move abroad to work remotely. As a digital nomad, you can live in any country that offers a digital nomad visa for up to two years or more, so long as you receive an income from a foreign company and have international health insurance. As of 2025, there are estimated to be around 165,000 British digital nomads in the world. The average time a British digital nomad spends abroad is around seven months and the most common reason cited for becoming a digital nomad is to escape the high cost of living in the UK. Digital nomading allows British expats to sample life in a foreign country while they save money or build their own business. If you’re interested in becoming a digital nomad, you’ll need to find a job that allows you to work overseas. Check out our guide to finding the perfect digital nomad jobs here. Retiring overseas from the UK One of the other common reasons Brits move abroad is to retire. While most British retirees cite the weather as their main reason for moving abroad, many are also attracted to life abroad as they find their money goes further. If you’re thinking of joining them, you’ll be in good company. The Times found over 1.1 million Brits are currently receiving their state pension while living overseas, while Send My Bag found a staggering 88% of British retirees plan to move abroad at some point. The most popular destinations for British retirees Rank Destination % thinking of retiring there 1 Spain 46% 2 Portugal 21% 3 France 19% 4 Italy 16% 5 South-east Europe 14% 6 East Asia 8% 7 United States 8% 8 Australia 8% 9 New Zealand 7% 10 Turkey 5% Considering retiring abroad from the UK? Check out our full guide on UK pensions for British expats Is it harder to move abroad after Brexit? In a way, yes. British expats may find it harder to move to European Union (EU) countries now that the United Kingdom is no longer a member state. As a British citizen, you no longer have the right to live or work in EU member countries and must therefore apply as if you were coming from any other non-EU or non-EEA nation. This usually means you will need to: Apply for a residency visa if you intend to stay in an EU country for longer than six months Apply for a work visa if you intend to work in an EU member state Apply for a digital nomad visa if you intend to live in an EU country for longer than six months while working for a foreign country Apply for permanent residency if you intend to live in an EU member state permanently, e.g. if you are buying a home The rules around visa applications will vary by country, so make sure you pay attention to each EU country’s specific laws around visas. However, this is not to say it’s impossible. In fact, every year, around over 40,000 British citizens move to EU countries despite Brexit, with around 13,000 of those moving for employment. Continue reading below for top tips on moving abroad as a British expat. Want more expat content?Subscribe to our fortnightly newsletter! LinkedInThis field is for validation purposes and should be left unchanged.Enter your email address What you need to know about moving abroad as a British expat Moving to another country can be challenging and complicated at first. There’s a lot of up-front work to do, from renting or buying a property to applying for a visa, finding a job and suitable schools, moving your belongings over, and navigating culture shock. But once you’re settled in, the stress will seem worth it. Here’s some of our top tips for helping you manage the process of moving abroad. Applying for visas When you first move to another country, it’s expected that you will need to apply for a visa. This will give you basic expatriate rights, including the right to live and work, and (in some places) the right to take advantage of public healthcare, vote in elections and other things. Once you have been settled for many years (usually a minimum of 5, but sometimes up to 10 years) you may be eligible to apply for citizenship. This will mean you have the right to live and work in that country indefinitely. Some countries will allow you to become a dual citizen, so that you will get to keep your British citizenship, but others will require that you give up your British Citizenship. Working visas Most countries around the world offer a type of visa for people who want to work there, and these can often last for anywhere up to 5 or 10 years. There are many types of working visas, including long-term work visas (for permanent jobs), seasonal work visas, au pair visas and self-employed work visas. Many countries will specify that you need to show: Proof of an offer of employment e.g. a signed letter from your employer Proof of savings in a personal bank account They may also ask for proof of professional or academic qualifications. While most countries use a visa system, every country operates slightly differently, so make sure you know the local policy of the country you intend to move to. Remember that with working visas, you may need to renew your application regularly. Some countries offer longer working visas than others. After you’ve lived in a country for a certain length of time, you may be able to move straight on to a resident visa or apply for citizenship, after which you won’t need to keep renewing. Thinking of becoming a remote worker? We list the countries offering special digital nomad visas Retirement visas If you’re looking to retire in a foreign country, you may be able to apply for a special retirement visa. These are typically no different to any other visa, giving you all the benefits you would expect as a resident, but instead of being based on income you may need to prove that you have: Sufficient savings An income from a retirement fund or pension Proof of investments In Europe, Spain and Portugal offer retirement visas. In Asia, you could retire in Thailand, the Philippines or Malaysia, and in South America they’re available in Argentina, Panama and Nicaragua. The island nations of Vanuatu and Mauritius also offer retirement visas. Points-based immigration systems Certain countries will only offer a working or residency visa to people who are able to score enough points on a certain survey. These surveys usually ask about: Your proficiency in a language Your academic qualifications Your work experience Your personal savings Whether or not you have a job offer lined up Certain questions may award more points than others, and you will need to score a minimum number of points in order to be eligible to apply. Countries that use a points-based immigration system include Japan, Canada, Australia and New Zealand. Following your partner abroad because of a new work opportunity? Here’s how to make the best of your new life as an expat spouse Integration agreement If you intend to move to Austria, you will need to sign an integration agreement. This system makes Austria one of the hardest countries to emigrate to, as the agreement specifies that anyone moving to the country must: Have an understanding of German language and culture Take a test – in order to move to Austria, you must complete Module One, then to apply for long-term residency you must also complete Module Two Getting a residency visa or citizenship After you’ve been working and living in your new country for a while, and as you approach the end of your current visa, you may be interested in upgrading your status to one of resident or even citizen. Different countries take different approaches to citizenship. Some require that you take a citizenship test, while others will make an assessment based on other factors – for instance, do you contribute to the national economy? In some countries, marrying a citizen will help to fast-track your application for citizenship, although you shouldn’t assume that marriage alone will be enough to qualify you for citizenship. What nationality will my children be? Depending on your and your partner’s citizenships, your offspring may be eligible for local citizenship, British citizenship, or both. If your child is born in a country that observes the system of jus soli (birthright citizenship), they may automatically become a citizen of that country. Some countries make an assessment based on both factors. For instance, if your partner is a citizen and your child is born overseas, they may be eligible for citizenship. However, if both you and your partner are British (or another nationality) and the country does not observe jus soli, your child may inherit the parents’ citizenship(s). What is an embassy and what does it do for expats? Discover some of the services you can expect from your embassy Employment If you’re intending to work abroad, you will need to do a little preparation when it comes to finding a job. The good news is that British employees are in high demand around their world, thanks to their strong educational backgrounds and fluency in English. Whether you’re intending to continue your current career or try something new, be sure to read our guide on getting a job abroad as an expat to help you get started. Should I find a job before I move abroad? Unless you have a lump sum of cash that you don’t mind dipping into during your first few months in a foreign country, it’s a good idea to secure a job offer before you move. Some countries also require you to have a job offer before you move there. This is particularly important if you intend to settle down in a foreign country, as you may only be able to apply for or extend a visa if you can prove you’re in stable employment. Proof of employment will also help you to do other essential things, such as renting property, securing a mortgage and opening a bank account. Finding a job abroad is easier than ever in this digital age, and many British expats are able to secure a job offer before they travel. Check out the top 10 jobs for expats to find helpful advice on how to find a job abroad. Can I work remotely for a British company or as a freelancer? You certainly can, in certain countries. This is called digital nomading, and it’s becoming increasingly popular. Being a digital nomad allows you to continue working your current job, or working as a freelancer, while you live abroad. There are over 50 countries where you can live and work as a digital nomad, and you can typically stay for up to two years. Being a digital nomad allows you to enjoy a lower cost of living and to soak up the culture of a foreign country, but you may not be able to transfer your digital nomad visa into a permanent visa. You also won’t be able to work for any local companies while you’re there, and you’ll often have to provide proof of income and take out your own health insurance. Should I save money before I move abroad? Even if you have a job lined up for when you arrive in your new home, it’s a good idea to have some cash at your disposal. You will need this to cover the essential costs of moving and getting set up, which can include: Travel costs Moving costs, if you are shipping items from the UK Deposits, for instance tenancy deposits, or for securing places in a local school Local taxes, e.g. rental taxes Consultancy fees, for instance if you have hired a solicitor or agency to help you move Depending on where you are moving and the number of people in your family, these fees can quickly add up. Therefore, it could be best to save a big chunk of money, just to be sure you have enough to get by. This isn’t a hard and fast rule, mind you. Many British expats have managed to move abroad without a penny to their name. As they say, where there’s a will, there’s a way! Should you sell or store your belongings when moving overseas? We break down the pros and cons of selling or storing your belongings Paying tax when living abroad Depending where you move in the world, how long you stay and whether you will be working for a local company or as a remote worker for one based in the UK, you will need to be aware of the local tax laws. As a rule of thumb, if you have a residency visa or working visa, you will be expected to pay tax in the country you are living in. However, if you remain a resident of the United Kingdom too, you may be classed as a “dual resident“, in which case you may still be eligible to pay tax to HMRC. This is especially true if, for instance, you work for a UK-based company while living overseas, or if you own property or a business in the UK. The exception is when you live in a country that has a double taxation agreement with the UK. Double taxation The UK has what’s called a double taxation agreement or tax treaty with several countries. Each country will have its own set of rules determining exactly how this agreement works, but the upshot is that you will only be expected to pay tax to one country at a time. Therefore, if you’re living in a country that the UK has a tax treaty with, you will only have to pay tax to one of those two countries. In order to work out which country you should pay your tax to, you will need to understand things such as: Whether you’re paying income tax, capital gains tax or another form of tax How many weeks/months of the year do you spend in each country? Do you own taxable investments (including property) in either country? Which country is your employer/business registered in? Which country is your main bank account (i.e. the one you receive your salary into) based in? Countries the UK has a double taxation agreement with: A-B Albania Algeria Andorra Anguilla Antigua and Barbuda Argentina Armenia Aruba Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Bermuda Bolivia Bosnia-Herzegovina Botswana Brazil British Virgin Islands Brunei Bulgaria C-H Cameroon Canada Cayman Islands Chile China Colombia Croatia Cyprus Czech Republic Denmark Dominica Ecuador Egypt Estonia Eswatini Ethiopia Falkland Islands Faroe Islands Fiji Finland France Gambia Georgia Germany Ghana Gibraltar Greece Grenada Guernsey Guyana Hong Kong Hungary I-L Iceland India Indonesia Iran Ireland Isle of Man Israel Italy Ivory Coast Jamaica Japan Jersey Jordan Kazakhstan Kenya Kiribati Kosovo Kuwait Kyrgyzstan Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg M-R Macao Macedonia Malawi Malaysia Malta Marshall Islands Mauritius Mexico Moldova Monaco Mongolia Montenegro Montserrat Morocco Myanmar Namibia Netherlands Netherlands Antilles New Zealand Nigeria Norway Oman Pakistan Panama Papua New Guinea Philippines Poland Portugal Qatar Romania Russia S-T Saint Kitts and Nevis Saint Vincent and the Grenadines San Marino Saudi Arabia Senegal Serbia Sierra Leone Singapore Slovakia Slovenia Solomon Islands South Africa South Korea Spain Sri Lanka St Lucia Sudan Sweden Switzerland Taiwan Tajikistan Thailand Trinidad and Tobago Tunisia Turkey Turkmenistan Turks and Caicos Tuvalu U-Z Uganda Ukraine United Arab Emirates United States of America Uruguay Uzbekistan Venezuela Vietnam Zaire Zambia Zimbabwe As you can see, this list doesn’t feature every country in the world. Some notable exceptions – in other words, countries the UK does not have a double taxation agreement with – include: A-C Afghanistan American Samoa Angola Benin Burkina Faso Burundi Cambodia Central African Republic Chad Costa Rica Cote d’Ivoire Cuba D-L Democratic Republic of Congo Djibouti Equatorial Guinea Eritrea French Polynesia Gabon Guatemala Honduras Iran Iraq Laos M-P Madagascar Mali Mauritania Micronesia Nauru Nicaragua Niger Nepal Northern Macedonia North Korea Palestine Paraguay Pitcairn Islands Q-Z Republic of the Congo Rwanda Seychelles Somalia South Sudan Syria Tanzania Togo Tonga Vanuatu Wallis and Futuna Yemen Expat tax matters can get tricky Read our guide on taxes for expats Education School is very important to your children’s social development, so if you are moving abroad with children, it’s important to make sure they have a school place waiting for them. Equally as important is ensuring their learning will not be disrupted by the move, and that they can continue to access high-quality teaching in a foreign country. State education vs. private education – what are your options? Thankfully, most countries offer state education to all children. So, if you are moving abroad with children, you should be able to find a place for them in a local school. However, this isn’t always guaranteed. If you are moving to a busy city, it could be a challenge finding a state school that has space for your children. Furthermore, you must consider the quality of that country’s state education. Some countries lag behind the UK in terms of teaching quality. In other countries, you may find that they teach a different curriculum, or that lessons are taught in a foreign language. If your child has already started their education in the UK, moving to another country and adapting to their education system can be a serious disruption. That’s why many British expats tend to prefer private or international schools to take care of their children’s education. Are international and private schools expensive? The short answer is yes – private education can be a considerable expense in many countries. This cost is multiplied by the number of children you have. And, as with state schools, you must be sure that an international or private school has space to accept your child. If you can’t find space in a local private or international school, you may want to look further afield and consider boarding as an option. In any case, you must weigh up your options very seriously before committing to leaving the UK to live abroad. Can you be sure that you will be able to find a space for your child in a local school? If you are choosing private education, can you be sure that school fees fit your budget? It might be a good idea to contact schools well ahead of time. You may be able to secure a space ahead of time, and you may even find support to help with fees. Levels of education vary between countries around the world We rank the best countries for school education Healthcare Accessing healthcare in another country can be a great worry for many British expats. Will you be eligible for state healthcare and, if not, what kind of insurance will you need? Thankfully, as international healthcare experts ourselves, with members in over 160 different countries, it’s safe to say we know a fair bit about this topic. And luckily, the answers are usually fairly simple. Will I be able to access state healthcare abroad? If you are planning to move to another country to work, and if you are going to be paying taxes in that country, you should be able to access the local healthcare system. However, there is no guarantee that this will always be the case, particularly as individual countries set their own rules. Before you move abroad, it’s important to understand what type of healthcare system your new home country operates, what you need to do to be eligible to partake in it, and whether there will be any additional fees or limitations. You should also check whether having international health insurance is required in order to apply for a work, residency or retirement visa. Is healthcare ever really ‘free’? Find out which countries offer universal healthcare systems Do British expats get free healthcare in Europe? Previously, British citizens were eligible to receive free healthcare in European Union and European Economic Area (EEA) countries through the European Health Insurance Card (EHIC). If you have one of these cards and it has not expired, then you will still be eligible to use it in EU and EEA countries to access basic and necessary healthcare services. If your EHIC has expired, you can still apply for a Global Health Insurance Card (GHIC) through the NHS. In order to obtain one, you will need: To be a resident in the UK A National Insurance number A Health and Care number (if you’re from Northern Ireland) You will need one card per person in your family. The GHIC covers emergency treatment and visits to A&E, routine medical care and care for long-term or pre-existing conditions, plus routine maternity care (so long as you’re not expected to give birth overseas). It’s worth remembering that the GHIC does not offer comprehensive cover, and you may still be expected to pay for certain types of treatment. Your GHIC also does not cover medical evacuation services. Therefore, it may be best to consider private medical insurance. This will ensure you have access to comprehensive healthcare cover when living overseas. Find out more about the GHIC here. What is international health insurance? International health insurance, or global medical cover, is an insurance package especially designed for expatriates. It allows you to access medical services no matter where you decide to settle down. This is especially important for several reasons: Many countries will not allow non-citizens to access state healthcare, and some countries do not offer state healthcare at all. In these instances, you will need to pay for healthcare costs out of your own pocket. This can be extremely expensive, unless you have a global insurance provider to help you cover the costs. The cost of healthcare is going up all over the world, so even if you think you might be able to afford it on your own, you could end up paying an unexpectedly high bill if you’re not covered. Seeking healthcare in a foreign country can be daunting. Long waiting times, poor quality facilities and doctors speaking a language you don’t understand can make finding healthcare difficult. With international health insurance, you can make sure you have access to higher quality, private medical facilities, including doctors who speak your native language. You may want access to certain types of medical treatment that are not available abroad, or perhaps you want care of a higher standard. For this, you may need to return to the UK for your treatment. With a worldwide health plan from William Russell, you have the option to seek medical treatment in any country. The plans also come with cover for emergency medical evacuation, which means if the urgent medical treatment you need isn’t available locally, we’ll organise your evacuation to a location where treatment is available. Will you be moving to a remote location abroad? Make sure you read our guide on healthcare in remote areas What are the best countries for Brits to move to? British expats are in a fortunate position. With English as their first language, a strong passport that grants access to most countries and a currency that goes further overseas, British expats find it easier than most to settle abroad. Still, there are some countries that are better than others for British expats. Based on our experience, we’ve narrowed down the top five countries for British expats. The top 5 countries for British expats Spain Portugal France Dubai Italy 1/ Spain Spain has long been renowned as a favourite destination for Brits. With over 300,000 British expats already living in Spain, it is far-and-away the most popular destination for British expats. And it’s easy to see why. Whether it’s to improve your health and live a more active lifestyle (we’ve named Spain one of the healthiest countries in the world), to enjoy world-class cuisine or to try out the digital nomad lifestyle, Spain has something for everyone, from its sun-swept beaches to its historic cities. Culture in Spain Spain is known for its relaxed, easy-going way of life. Expect plenty of wine, relaxing on the beach and, depending where you are in the country, traditional activities such as dancing and festivals. If you’re working in Spain, you can look forward to partaking in siestas (like a lunch-break, these last for about 3 or 4 hours, so that workers can avoid working in the intense mid-day heat). Just be ready to work late too – and be aware the Spanish tend to eat much later at night. Retiring in Spain With its warm climate and sandy beaches galore, Spain is a hugely popular destination for British retirees. While coastal regions in the south are popular with some, many retirees in Spain also flock to the rural northern regions – Asturias is particularly popular with retired people. To retire in Spain, you will need permiso de residencia which shows you have enough money to support yourself in retirement. Remember that your UK state pension can still be paid to you while you live overseas, and this can help towards a successful application. Jobs in Spain Younger people will find Spain to be a great country to work in, with a rapidly growing economy and an emerging services sector that offers plenty of jobs in leisure and hospitality, technology and finance. Property prices in Spain tend to be lower than in other major European countries, especially in rural areas, which makes it a great place to start a tourism enterprise such as a bed & breakfast. Meanwhile, in the major cities, many jobs recruit specifically for English-speakers as Spanish companies seek to market themselves overseas. While you may not expect to get rich in Spain (the country is still battling back from an unemployment crisis), GDP is projected to grow, while the cost of living is around 23% cheaper than in the UK. Education in Spain If you’re moving abroad as a student, you’ll be glad to know we’ve listed Spain as one the best countries in the world for a university education. That’s thanks to its increasing number of top universities and a recent spate of investment, which has seen Spain’s tertiary education soar up global leaderboards. Unfortunately, Spain does not have such a good showing when it comes to primary and secondary education. Parents moving to Spain with children may be interested in checking out international and private schools to ensure their children receive a top education. Healthcare in Spain Health insurance is a prerequisite for moving to Spain. Once you have arranged health cover, however, you can rest assured you’ll receive great quality treatment – Spain has a fantastic healthcare system and has been rapidly adding to its healthcare spending in recent years. Alastair Johnson – Founder of https://wherecani.live “We moved to Spain from Australia in 2014, back then the plan was to spend just a year in Europe. Plans changed quickly when we fell in love with the way of life in the small town we found just outside Barcelona. However, it certainly wasn’t all smooth sailing – a contrast to arriving in Australia from the UK back in 2000. We spoke no Spanish when we arrived, and simple things like organising mobile phone contracts and the like were challenging. And then we needed to sort out our paperwork and residency. We found that, in general, the bureaucrats behind the desks are friendly, patient, and helpful. But (and it is a big BUT) the process, paperwork, and systems are very hard to navigate and much more complex than seems possible! We were so frustrated until we found the right people to help us – local knowledge (plus the language) smooths the path no end! Healthcare was the other challenge. Finding great healthcare professionals who speak English took time. The Spanish healthcare system (both public and private) is excellent – but it works differently to that of Australia, and it took time to find the right professionals and insurance. The joy is that there is support and information out there – and you can have a glass of wine in the sun at a beachside bar while you find it!” What are the pros of moving abroad to Spain as a British expat? Lower cost of living – The cost of living is around 23% lower in Spain compared to the UK. So much to do – Fans of history and nature will find that Spain has plenty to offer. Easy to make friends – With an established British expat community, it’s easy to settle into your new life in Spain. Good healthcare – Though general healthcare is guaranteed to those living in Spain, many also opt to have additional international health insurance coverage and to find doctors that speak their language. What are the cons of moving abroad to Spain as a British expat? Language barrier – Only around 22% of Spaniards speak English, so you may find it hard to communicate if you don’t speak Spanish. Red tape – Spain is renowned for its complex bureaucracy, which can make it hard to apply for visas and purchase property. Overcrowded destinations – Spain’s major cities see huge influxes of tourists, which not only makes it hard to access services, but can also drive up prices. What’s the healthcare infrastructure like in your new city? We rank some of the best cities in the world for healthcare 2/ Portugal Combining incredible culture with a low cost of living and delicious food, it’s no wonder around 47,500 British expats already call Portugal their home. Whether you’re after the bustling cities of Lisbon and Porto, or looking for a slower pace of life on the Algarve coast, Portugal combines the best of both worlds – an intrepid destination with all the modern conveniences you could ask for. Culture in Portugal There are two sides to Portugal: on the one hand, an up-and-coming, fast-paced economy rich with opportunity; on the other hand, a holistic way of life based around nature, leisure and great food. Whichever side appeals to you more, you’ll find no shortage of things to do in Portugal. And, as the least stressed in the OECD, you’re guaranteed to enjoy a more peaceful lifestyle either way. Best of all, thanks to its low cost of living – around 27% lower than in the UK – you’ll have bundles of cash to play with, allowing you to take full advantage of everything Portugal has to offer. Retiring in Portugal Portugal is one of Europe’s top spots for retirees, and not just for its beautiful climate and easy-going way of life. A straightforward retirement process makes it easier to apply to live in Portugal than in many other European countries, helped particularly by a Golden Visa. By investing in Portugal to the tune of €500,000/£432,000 (including property purchases), you can obtain a residence permit, which then be upgraded to Portuguese citizenship after five years. This then entitles you to EU citizenship. The scheme is currently up for debate and the period it takes to acquire a Golden Visa and citizenship may be extended. Even if you don’t want to go down the Golden Visa route, retirees can apply for a D7 Visa. So long as you can demonstrate proof of a passive income of at least €870/£750 per month, you will be entitled to residency in Portugal. Education in Portugal State schools are free for all people in Portugal and compulsory until the age of 18. Despite some challenges, the education system in Portugal is among the fastest-improving worldwide, and rates of academic attainment have jumped over the last 10 years. Still, Portugal lags behind other EU nations. For this reason, you may want to consider private or international schools in Portugal. The good news here is that private school fees tend to be much cheaper in Portugal than in other countries, starting from just €400/£345 per month. Healthcare in Portugal Portugal offers excellent state healthcare facilities. Hospitals are easy to find, especially in urban areas, and cater to a wide range of needs. Still, many expats prefer to choose international health insurance when living in Portugal, as this offers access to a complete range of high-quality private medical facilities plus doctors who are fluent in English. What are the pros of moving abroad to Portugal as a British expat? Friendly society – Portugal is an open and welcoming country with a long history of friendship with the British. Low cost of living – Portugal offers one of the lowest costs of living in Western Europe, and you’ll find your money goes much further. Leisure opportunities – From surfing to golf, Portugal is a fantastic destination for people who like to stay active. Up-and-coming – Portugal is a great place to work and invest, thanks to a rapidly growing economy. What are the cons of moving abroad to Portugal as a British expat? Still underdeveloped – Portugal’s economy lacks behind its neighbours in Western Europe, which can be frustrating for expats used to a modern environment. Overcrowding – As a popular destination for expats and digital nomads, Portugal has experienced a huge influx of people that has led to overcrowding in big cities. Brain drain – After underperforming for many decades, lots of young Portuguese people moved overseas, meaning Portugal lacks people in this age range. Bureaucracy – Portugal is a slow-paced society, meaning it can take a while for things to get done. Make the most of your private healthcare experience Find out how private healthcare works for expats 3/ France As Britain’s closest neighbour on the continent (and longest rival), there are somewhere between 250,000 and 400,000 British expats already living on the other side of the Channel. If good food and wine are top of your must-have list, you’ll settle in very quickly to the French lifestyle. Just be mindful that many British expats discover something of a culture clash – which may have something to do with that aforementioned rivalry! Culture in France You’ll notice that French culture has a notable north-south divide. The north of France shares many similarities with England (not surprising, given their shared Norman ancestry), with its big cities, Protestant roots and love of modern business. The south, meanwhile, is more easy-going, with more rural, Catholic and Mediterranean influences. Retiring in France France is a hugely popular country for retirees moving abroad, including over 50,000 British retirees. Now that Britain has left the EU, you will have to apply for French residency before beginning your retirement in France – but don’t worry, it’s a fairly straightforward process. You only need to prove two things: that you have a certain level of income (for many people, a UK state pension should suffice) and a basic level of French language proficiency. Once you’ve got that sorted, you should be able to apply for a retirement visa, which will be valid for 10 years. Jobs in France France has one of the world’s strongest economies, and nowhere is this more evident than its burgeoning job market. Whether you want to start a vineyard business in the rural south or join a big multinational in Paris, you’ll find a wealth of opportunity. Since Britain has left the EU, you’ll need to apply for a working visa if you intend to live and work in France. Worry not, however – your new employers will usually fill in the necessary paperwork to help you apply for a long-stay work visa. Education in France France has a fairly good track record when it comes to education, although its position in the world rankings has been slipping recently. Do remember that lessons will, naturally, be taught in French, so if your children aren’t already fluent, you may want to look into one of the top-quality international schools found throughout the country. That said, when it comes to university, there are many colleges that teach courses either in English or both French and English. Healthcare in France France has a state-funded healthcare system, widely renowned as one of the best in the world. Even so, healthcare in France is not free so, as an expat, you will be expected to have global health insurance. Even if you are entitled to state support, you will need to pay for many treatments up front, then claim the cost back from the state insurance fund, Caisse Primaire d’Assurance Maladie. What are the pros and cons of moving to France as a Brit? Proven property market – France is known for its stable property market and many of its regions are investment savvy, making it a sensible place to invest in property. Excellent food and wine – French cuisine needs no introduction, and no matter where you live in France, you’re guaranteed to find excellent restaurants and fresh produce. Fantastic healthcare – French healthcare is efficient, accessible and always on the cutting edge – France is recognised for having one of the best public healthcare systems in the world. Business friendly – With a strong focus on start-ups and accelerator funding, France is a fantastic place to start a business or grow your career. What are the cons of moving to France as a Brit? Language barrier – Only around 39% of people in France speak English, so it’s important to know at least a basic level of French if you intend to live there. Bureaucracy – France is well-known for its lengthy paperwork and miles of red tape. Cost of childcare – Nurseries across France tend to have long waiting lists and can be very expensive, so be prepared. High cost of living – The cost of living is actually marginally higher (around 1% more) in France than it is in Britain. Thinking of starting or expanding a business overseas? We rank the best countries to start a business abroad 4/ Dubai Dubai is both the city and the Emirate, although in this instance we’re referring mainly to the city. The good news about Dubai is that it’s one of the easiest countries to move to from the UK, and offers a slew of benefits to British expats. Having sprung up rapidly over the last 50 years, fuelled by profits from the oil trade, Dubai is one of the most impressive, luxurious and hyper-modern cities on earth. Better yet, it’s tax-free, making it a great place to live and work – especially with its high salaries and excellent standards of living. Culture in Dubai As one of the seven United Arab Emirates, the culture in Dubai is a cross of Arab and Western influences. The official language is Arabic, but English is widely spoken throughout the region. Islam is the official state religion, so Muslim traditions such as Ramadan and Eid-al-Fitr play a large role in the cultural life of Dubai. Laws in Dubai are also guided by Islamic morals, which means many things common in the UK are illegal in Dubai – including alcohol, pornography and homosexuality. But, with one of the highest proportions of expatriates of any state in the world (at around 80% of the total population), expatriate life is a key part of Dubai’s culture. Thus, you can expect to find an environment integrating cultures from all over the world. Of these, around 240,000 are British expatriates. English has therefore become the lingua franca of Dubai, and you can expect to hear it spoken in most business and leisure environments. Speaking of leisure, look forward to splashing your new cash. Indulgence is a way of life in Dubai (however, it is still possible to stay healthy in Dubai), and you can expect to spend plenty of time hanging around the pool. Retiring in Dubai Retiring in Dubai is simple thanks to a local government scheme called Retire in Dubai. The scheme is open to retirees aged 55 and over who can meet one of three criteria: having an annual income of AED180,000/£37,000; savings of AED1 million/£206,000; or owning a property in Dubai worth AED1 million/£206,000. Successful applicants will receive a special retirement visa which can be renewed every five years. Education in Dubai Dubai does have a public education system, but it’s not exactly world-renowned – that’s one of the consequences of having a tax-free state. As a parent, you will want to do what 90% of other Dubai residents do and send your child to one of the myriad private and international schools in the city. Healthcare in Dubai Dubai is renowned for having one of the best healthcare systems in the world. Top-quality doctors move from all over the world to practise their trade in Dubai, and most speak English, so you’ll never be far away from excellent treatment. But, since Dubai is a tax-free state, all of these incredible healthcare services must be paid for through private international health insurance, which is mandatory for all residents in Dubai. Many expatriates choose to invest in global health insurance which not only covers the cost of their contributions to the state health system, but also gives them the option of private healthcare – allowing them to upgrade to an even higher standard of care. What are the pros of moving to Dubai as a British expat? No income tax – Any income you earn in Dubai is not subject to tax. Vibrant social life – With a bustling expat community, there’s plenty of fun to be had in Dubai. English is widely spoken – While Arabic is the official language, English is very popular in Dubai, as there are a lot of international businesses and expats from all over the world. Good education – The educational standards for international schools in Dubai are quite high. Many of the schools adhere to the British education system, with the National Curriculum of England taught in the primary schools and IGCSE and A-Level qualifications offered at the senior level. What are the cons of moving to Dubai as a British expat? Intense heat during summer – The weather from June through September can be extremely hot, and many expats schedule their holidays during those months and head for a more temperate climate. Expensive lifestyle – While the cost of living is technically around 27% lower than in London, Dubai is still considered one of the most expensive cities in the world, especially if you live a fast-paced expat lifestyle. Strict laws – Expats in Dubai often experience culture shock when they come face-to-face with Dubai’s strict Islamic laws. Dealing with real estate agencies and landlords – Rents on apartments must be paid in full and up-front. Some companies will cover this for their employees and then deduct amounts monthly from their wages. You could be faced with a whole new way of eating living overseas We explore some of the healthiest diets in the world 5/ Italy It’s the land of pizza, Ferraris and 65,000 British expats. Italy is not only one of the world’s most popular with British expats looking for La Dolce Vita, it’s also one of the easiest to move to. Culture in Italy Like France, Italy has a strong north-south divide. Its northern region, which includes cities like Milan, Turin and Bologna, is known for its strong industry and commerce, making it the de facto working heart of Italy. The south, meanwhile, which includes Rome, Naples and the island of Sicily, has a more traditional, laid-back Mediterranean culture, with a strong focus on tourism. It’s the perfect place for retirees, too. Wherever you go in Italy, you’ll never be too far away from great food. For fans of pasta, pizza and fine wine, nowhere else in the world compares. Just make sure you’re ready to experience life in a devoutly Catholic and family-oriented part of the world, not to mention one where English comprehension is fairly low compared to the rest of Europe – only around 13% of Italians speak fluent English. Retiring in Italy People hoping to retire in Italy must apply via the Italian Embassy or Consulate for an elective residence visa before moving to the country. In order to get one, you will need to demonstrate you meet the minimum income criteria to support yourself—this can come from pensions, savings, investments, or other sources. These are: €31,000/£26,800 per year for a single person €38,000/£32,800 per year for a married couple Plus an additional €20,000/£17,300 per year for each dependent/child moving with you These visas must be renewed every 5 years but, after living in Italy for at least 10 years, you will be eligible to apply for citizenship. Jobs in Italy Working in Italy is a rewarding experience, but not easy to achieve. The country is grappling with high unemployment at the moment and English is not widely spoken in working environments. But, if you can find a job that suits you, Italy is a great country to work in thanks to its strong employment laws, which limit the working week to no more than 40 hours. Italy is known for its car and fashion industries, which is why it should come as no surprise that engineering and design are two of the most popular career options. Food and wine are also high up the agenda, as are petrochemicals and shipping. However, the biggest industry in Italy by far is tourism. With historic destinations like Venice, Pompeii and the Vatican, it’s no wonder 1 in 9 Italians works in the tourism sector – and as an English-speaker, your language skills may be just what a tourism director is looking for. Education in Italy Although the country gave birth to great minds like Machiavelli, Michelangelo and Leonardo da Vinci, modern Italy is unfortunately not known for the quality of its education. As a resident and tax-payer, your children will be entitled to a state education, which is compulsory between the ages of 6 and 16 years old. However, with lessons taught in Italian, most expatriates choose to send their children to one of Italy’s excellent international schools. Healthcare in Italy Italy’s healthcare system is one of the best in the world, and that’s not an exaggeration, as Italy constantly vies for the top spot among EU countries. Italy uses a mixed private-public healthcare model, with social healthcare provided by the Servizio Sanitario Nazionale (SSN), which delegates certain services to local and regional providers. While basic medical care is free, more complicated procedures and long-term care will need to be paid for. You may also want to seek private healthcare to avoid the notoriously long waiting lists for certain services. Bear in mind that these private services can be extraordinarily expensive. Therefore, it’s absolutely essential you have comprehensive international health insurance before moving to Italy. What are the pros of moving to Italy as a British citizen? Great food – This goes without saying, but the food in Italy is some of the best in the world. Even the quality of food in supermarkets is a cut above. Excellent public transport – Italy is connected by a system of affordable high-speed railways and regular buses, making it easy and cheap to get around and explore. Low cost of living – Life in Italy is around 10% cheaper than in the UK, but with all those modern conveniences still included. Climate – Italy benefits from year-round warmth and sunshine, with a fairly consistent climate. What are the cons of moving to Italy as a British citizen? Language barrier – Few Italians speak fluent English, especially in the South, so you may struggle to communicate without an understanding of Italian. Bureaucracy – Don’t expect anything to happen quickly in Italy. Cutting through the red tape can often seem like an exercise in futility. Job opportunities – Italy struggles with high unemployment rates, which are as high as 21% among young people. Make sure you have a job lined up in advance. Education – The Italian school system lacks far behind its European neighbours, and private schools can often be very expensive. Moving abroad is life-changing, but can also be challenging We look at disadvantages of living abroad and how to overcome them Wherever you go, go with total peace of mind With the cost of living creeping ever higher, perhaps now is the best time to look for a new life overseas. With William Russell, you can start your new life abroad with total peace of mind. For over 30 years, we’ve helped expats like you start their new lives abroad. With our comprehensive and award-winning international health insurance policy, plus life insurance and income protection insurance, you too can start your dream life overseas. Speak to us today to find out more, or get a quote online in under two minutes. Terms & conditions apply to our insurance products and services. You can find full details of what our plans cover (and what they don’t cover) in our plan agreements. Thinking about emigrating from the UK? Protect your health abroad with international health insurance Get a Quote This article is part of our series of guides to expat life. It’s just for general information, and we don’t provide professional advice on moving abroad (we’re an expat insurance provider). We update this article regularly to keep it useful as possible, but if you want to know more – please seek independent advice. 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