Since January 2021, UK expats have needed to navigate a new set of tax regimes, following the departure of Britain from the EU.
What once were universal standards with exemptions and standardised rates now depend on the respective tax administrations of each member state.
While Europe remains an attractive draw for UK citizens, having a comprehensive grasp of the relevant taxes, and structuring your income, assets and wealth accordingly, is vital to a comfortable life abroad.
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As experts in the world of diligent wealth management, Chase Buchanan has collated a set of detailed tax guides across five of the most significant expat destinations in the EU. These guides aim to allow you to gain clear oversight about which taxes are likely to impact your assets, and how to plan accordingly for your European relocation.
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Post-Brexit Tax Planning for UK Expats in the EU
Following the end of the transition period, there are substantial changes in tax regimes applicable to British nationals, throughout the European member countries.
These changes impact every aspect of your income and finances, including:
- Selling and owning property.
- Tax residency and dual-taxation scenarios.
- Inheritance and succession planning.
- Income and wealth taxes.
- Pension income and overseas investments.
While previous rates were variable between countries, many taxes have been consistent for several years. Thus, the concept of a dramatic change can be concerning, both for expats currently resident overseas, and for UK nationals considering a new home in the EU.
Chase Buchanan believes that the key to a successful relocation is in the planning, and restructuring assets accordingly in advance to ensure you take advantage of the most tax-efficient options available to you.
As many British expats select Europe as a warm destination for retirement, with competitive property markets, high quality of living and some of the best climates in the world, our guide will help you understand all the key considerations.
French Taxation Regimes for UK Expats
British nationals living in France have many factors to bear in mind, from the rules around selling, renting and purchasing property, through to declaring income correctly to comply with French tax legislation.
Our complimentary download, The Expat Guide to Taxes in France, explores all of these regulations, to allow you an oversight of the most crucial liabilities you are likely to face as an expat.
Inheritance planning is another important factor, and so we explain how French succession laws work, and how to structure your Will accordingly to provide for your family well into the future.
Download your FREE Guide today for further information about:
- Wealth taxes in France, and whom they apply to.
- Tax-efficient investment options for British nationals in Europe.
- Property income declarations and applicable tax rates.
If you would benefit from bespoke advice around tax planning and structuring your assets as a French expat resident, or prior to relocation, please contact Chase Buchanan.
Expat Guide to Taxes in France
Taxes for British Expats Living in Portugal
Portuguese taxes are subject to different rates and applications, depending on your residency status, how long you have lived in the country, and where your income originates.
While these tax rules may be advantageous in some aspects, they may not be in others, and so it is essential to have an understanding of which tax regimes will differ from those in the UK, and on what basis they are levied.
The Chase Buchanan Guide works through all of the key considerations, to assist you in planning for your retirement or relocation to Portugal armed with essential knowledge about the local taxation systems.
- Understanding Black Money and its impact on property transactions.
- Selling and owning UK and Portuguese residences as an expat.
- Planning for inheritance tax for your beneficiaries.
The Expat Guide to Taxes in Portugal explains each of these factors in detail. For independent guidance and investment advice, the Chase Buchanan Portuguese team in Loulé is primed to help.
Expat Guide to Taxes in Portugal
Understanding Cypriot Taxes as a UK National
Choosing the right relocation destination for you and your family depends on many determinations; from healthcare to education, business opportunities to the weather.
Taxes remain one of the most crucial factors and can make a significant difference to your quality of life and experience living as a UK national in a Mediterranean country.
Some of the most common queries from British expats are around tax-efficiencies, whether UK pension schemes are impacted by relocation overseas, and how to protect your assets from local tax regimes.
Your copy of The Expat Guide to Taxes in Cyprus is provided free of charge, with our compliments, to discover:
- How offshore bank interest is taxed in Cyprus for foreign citizens.
- Options for structuring your Will to comply with Cypriot inheritance planning rules.
- Applying for double tax treaties as a British expat living abroad.
Should you have further questions having downloaded your complimentary Guide, or need bespoke assistance, please contact the Chase Buchanan office in Limassol.
Expat Guide to Taxes in Cyprus
Spanish Taxes for British Expat Residents
Taxation regimes in Spain can feel complex for UK nationals, with combinations of federal and regional levies dictating how your income is taxed, what rates are applicable, and how your tax status impacts your cost of living on a day-to-day basis.
The Chase Buchanan Guide to Spanish taxes explores all of the most crucial elements of the Spanish taxation system, and how this applies to British expats relocating abroad:
- Comparable tax rates across the Spanish regions and provinces.
- How wealth tax is charged on a federal and local basis in Spain.
- Selling, renting or buying property as a UK expat in the EU.
Download your free copy of The Expat Guide to Taxes in Spain today, for information related to each aspect of Spanish taxation. In many cases, the key to tax-efficiency is in the detail, and so having a comprehensive understanding of the tax rules is the first step to securing your assets.
Contact the Chase Buchanan team in Marbella for tailored guidance with structuring your wealth for a successful relocation to Spain.
Expat Guide to Taxes in Spain
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Expat Tax Guide - Belgium
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With a unique blend of geography, cultures, and an outstanding quality of living, Belgium remains one of the most appealing destinations for families, professionals, and retirees alike.
Expat Tax Guide - Cyprus
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Cyprus is a multi-faceted country, offering one of the finest climates in the Mediterranean as well as multiple employment opportunities, a safe and relaxed culture popular with families, and a peaceful way of life for retirees.
Expat Tax Guide - France
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France remains one of the most popular countries of choice, with UK nationals seeking to relocate or retire abroad.
Expat Tax Guide - Portugal
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Portugal offers many benefits to UK citizens looking for a new life experience, employment opportunities, warmer retirement climes or a new culture to enjoy.
Expat Tax Guide - Spain
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As more UK nationals look overseas for lucrative work opportunities and a relaxed retirement, Spain remains one of the most popular destinations. The scenery, climate, and pace of life are all compelling reasons to relocate.
Residency Guide - Cyprus
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Hundreds of thousands of British nationals enjoy life overseas, and it is essential to understand how your residency status will affect your tax liabilities over the long term.
Residency Guide - France
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From January 2021, the UK became an independent nation and is no longer part of the EU. British nationals living in France continue to cope with concerns amid much uncertainty about what the future will hold, with prospective expats unclear about what may have changed.
Residency Guide - Portugal
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While the UK has not been part of the EU since early 2021, many expats still feel a great deal of uncertainty about whether the prospect of relocating abroad remains viable and how their residency or tax position may change in the future.
Residency Guide - Spain
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For the millions of UK nationals living, working and studying in Spain, the UK’s departure from the EU in early 2021 gave rise to uncertainty and concern about how their position may change in terms of residency, taxation, and the right to relocate.
Irish Pension Transfers
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Retirement income and pensions are often among the most valuable assets we hold, they can dictate our future lifestyle, our comfort and our enjoyment throughout our retirement years.
International Pension Transfers
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Planning for retirement overseas can be such an exciting time with the opportunities to relax and travel the world, but for many people planning to spend their retirement abroad, understanding the rules and complexities of international pension transfers can be challenging.
Guide to Retiring in the EU
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With around half a million UK nationals retiring in the EU in the post-Brexit world, understanding the security of future pension income, taxation rates, and possibilities for cross border transfers is a crucial requirement.
Expats Guide to Brexit (Q4 2020)
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We have created our FREE downloadable guide – Expats Guide to Brexit – which explains what leaving the EU/EEA means for UK nationals in Europe along with all the essential information you need to know.
Education Fee Planning
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If you are considering different education options for yourself or your children, download our Guide to Private Education Planning to find out how you can manage your finances to ensure you get the education you want.
Health, Income & Life Protection
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While you accumulate your wealth, it's essential to ensure you properly protect it. Your health and life is vital to your earnings potential and the future of your family.
Investment Scams Guide
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In a world where financial fraud and investment scams are rife, every investor needs to understand the potential signs something is not as it should be.
Offshore Investment
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There are many financial benefits to being an expat and a whole host of offshore wealth management solutions that can help secure your financial well-being. Our guide below helps explore different options you could take in offshore investment.
Retirement Planning
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If you're thinking about your retirement plan, it's likely that you are considering whether a pension is the right thing to invest in.
SIPPs v ROPS
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SIPPs are personal pension wrappers that offer investors more freedom of choice than traditional personal pensions.