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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To ask if you'd rather retire in Spain or France

105 replies

mycatisannoying · 08/07/2022 07:40

You have to choose one. Not say 'but I'd never pick either of those for retirement'.

Some points to consider:

  • you don't drive
  • you love the sea
  • you want good healthcare (no pre-existing conditions)
  • a friendly community is key, with lots to do
  • value for money, both in terms of the property you'd buy and everyday life in general
  • decent airport links
  • your language skills are good; fluent in French and Spanish could be picked up easily
  • somewhere with a holiday - but not a party - feel.

Go! Smile

OP posts:
IrisVersicolor · 08/07/2022 09:54

@AchatAVendre

For retirement you need to be able to prove that you can support yourself without taking a job (the visa many obtain doesn't allow you to work) so your pension or funds would have to be at least 1258 euros per month for a single person (I think thats the current amount) and somewhat less than double for a couple.

That amount is after tax and social contributions.

Rayn22 · 08/07/2022 09:54

Lincslady53 · 08/07/2022 09:53

My sister lives in a tiny village between Limoges and Poitiers, on the River Charente. It is absolutely beautiful, very low population density, so lots of open space, cheap property, she is very impressed with the health service, her husband has a heart condition so they need this , lovely medieval villages and towns in the area. She would struggle without a car as it is remote. No sea. But lots of lakes and the river for watersports. She loves living there. Not that many brits, but enough to give her a social life. Property prices are relatively low. Don't forget, if you retire abroad your state pension is frozen at the rate when you leave, and with high inflation forecast this could be a problem.

That's the area our family have a gite! Stunning!

AchatAVendre · 08/07/2022 09:56

IrisVersicolor · 08/07/2022 09:54

@AchatAVendre

For retirement you need to be able to prove that you can support yourself without taking a job (the visa many obtain doesn't allow you to work) so your pension or funds would have to be at least 1258 euros per month for a single person (I think thats the current amount) and somewhat less than double for a couple.

That amount is after tax and social contributions.

Yes, I know!

MajorCarolDanvers · 08/07/2022 10:01

Canaries for me.

littlepeas · 08/07/2022 10:08

Spain - purely based on a strong preference for the culture, rather than any of the other things you said! I think I’d make Granada my base. I like the proper old town area of Marbella too (not Puerto Banus).

IrisVersicolor · 08/07/2022 10:10

AchatAVendre · 08/07/2022 09:56

Yes, I know!

Sure, but other posters may not.

S0upertrooper · 08/07/2022 10:12

Maybe I'm being thick but how are you able to retire to Spain or France after Brexit?

TheGoogleMum · 08/07/2022 10:15

My gut says Spain, but I don't know how healthcare would compare between the 2 or punlic transport. It would depend what part of Spain to avoid 'party' atmosphere. Spain has better weather though and they feel more relaxed compared to the French. If going for France I'd say South of France though

IrisVersicolor · 08/07/2022 10:16

S0upertrooper · 08/07/2022 10:12

Maybe I'm being thick but how are you able to retire to Spain or France after Brexit?

Brexit lost freedom of movement, which was the right to relocate within the EU without a visa and a minimum income. You can still retire within the EU if you meet the criteria - it’s just more expensive and more difficult.

ChrisReasBathEggs · 08/07/2022 10:28

Watching this thread with interest. Can't really offer any advice, but I am still renting in my 40's and unlikely to buy. Im really starting to hate the UK and have no future here and a depressing old age despite me and OH having good jobs. I think my only option is living abroad in older age and I've really had enough of the UK with its shit summers, ignorant people and weird chaotic politics. If I could go now I would. I've actively been looking into getting an Irish passport as I have great grandparents who were Irish, but I doubt this will be enough. Not sure which country I will be yet if I do manage to get one, as I need to research and put a few years into learning the language.

My advice us if you pick France, it can get very hot in the south. My friend has moved to a northern city for this reason. She says France is by far more superior to the UK. Other friends from EU have moved to Austria and Germany and wish they moved back sooner. UK isn't the worst country in the world, but its not as great as it thinks it is. Certainly for younger generations/anyone under 50 anyway.

caringcarer · 08/07/2022 10:30

France. There health care is excellent. Northern France, Brittany. I have holiday home there in Morlaix. It's 20 mins from beach but has market twice a week, good community feel, shops and restaurants, cafe culture, even has a Subway if you miss UK junk food. Pretty port to walk around, several ancient buildings, close to swimming pool complex and putting golf. Our neighbours are friendly and we are only 200 metres from National Forest and green routes for cycling and walking dogs. It is about 3-5 degrees warmer than UK in summer so I can cope with that temperature. Spring starts about 3-4 weeks earlier and autumn finishes a few weeks later but winter similar to UK. I have been to Spain many times but can cope with temperature in April/May but not July or August.

S0upertrooper · 08/07/2022 10:36

@IrisVersicolor thanks for this.

Polkadotties · 08/07/2022 10:48

S0upertrooper · 08/07/2022 10:12

Maybe I'm being thick but how are you able to retire to Spain or France after Brexit?

The same as how people could retire to America, Australia, Thailand etc.

balalake · 08/07/2022 10:58

France, because I speak enough French to be able to go about daily life. Until June 2016 it was something I was considering doing when I retire.

heldinadream · 08/07/2022 11:05

Spain will be one of the first European countries to run out of water. You want to live somewhere with permanent water rationing? It's on the cards.

www.theguardian.com/environment/2022/jul/04/spain-and-portugal-suffering-driest-climate-for-1200-years-research-shows

Ponoka7 · 08/07/2022 11:11

Have you watched relevant episodes of A place in the sun? It could narrow down the type of property style you want. I'd choose Spain.

Friars23 · 08/07/2022 11:11

Polkadotties · 08/07/2022 10:48

The same as how people could retire to America, Australia, Thailand etc.

Namely - only those with money.

OneFootintheRave · 08/07/2022 11:16

Spain 🇪🇸 all the way. I have been here 7 years and no plans to go back to UK. I'm in a small village in Andalusia so different to cites but people are friendly and patient.

henone · 08/07/2022 11:54

I know France better than Spain, but have just returned from touring in Navarra, Catalyuna and Cantabria. My French is pretty good, so I found Catalan more accessible than Spanish, but I would expect to learn Spanish and/or Portuguese if, as we are planning, we consider leaving the UK in retirement. Probably somewhere in the Atlantic NW corner. The rest is too hot in summer.

DogInATent · 08/07/2022 12:06

Whitehorsegirl · 08/07/2022 09:32

I hate to break it to you but Brexit is a thing...

So how will you be able to retire in either of these countries?

You won't get free healthcare and you might not get the right to live there permanently.

I would first look seriously at the practicalities of what you are planning to do.

I hate to break it to you, but some MNers are less affected by Brexit than others. If it was an issue then I am sure the OP would be have raised it.

Phos · 08/07/2022 12:33

Spain definitely. I prefer the properties out there and just feel I'd find it easier to feel at home there.

annabell22 · 08/07/2022 12:36

Gibraltar is all of those except affordable.

tttigress · 08/07/2022 12:49

Portugal?

Cervinia · 08/07/2022 12:52

France. Spain is dusty and barren and the food is not great. France is far greener, I love the food, wine and lifestyle.

Cervinia · 08/07/2022 12:52

Also
my franglais is better than my Spanglish

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