Retiring to France from the UK: a complete guide

Can a UK citizen retire to France after Brexit?

The good news is yes, you can, but there are a few more steps involved than before.

Since Brexit, UK citizens must apply for a long-stay visa (visa de long séjour) to retire to France from the UK. This visa is key if you plan to stay for more than 90 days.

The application fee is typically €440 for single applicants and €880 for couples or families.

Once you’ve arrived in France, don’t forget one more critical step: applying for a resident card (Carte de Séjour) at your local prefecture or town hall within two months. This permit is vital for anyone looking to live in France long-term, granting access to certain public services and other benefits. 

For the visa and resident card, you’ll need to show that you have enough financial resources to support yourself, though significant assets may also count. And don’t forget health insurance; having coverage is a must in France.

How much money do you need to retire in France?

When considering how to retire to France from the UK, knowing the cost of living is key. 

Generally speaking, the cost of living in France is relatively inexpensive compared to the UK. Most retired couples could live comfortably on €3,000 per month (excluding accommodation), although this will depend on location and lifestyle.

Housing costs in France vary greatly depending on location. In Paris, the average rent for an unfurnished one-bedroom apartment ranges between €950 and €2,200 per month. The Riviera, known for its luxury appeal, also tends to be on the higher end of the scale. 

However, other areas can be more affordable; for example, the average rent across France for a two-room apartment is around €555, while a house averages about €1,044 monthly. 

Healthcare is also a key part of your budget. Many choose top-up insurance to cover what the public system doesn’t, such as specific consultations or specialist treatments. For over 65s, this ranges between €100 and €200 per month. 

On the tax front, you might be able to reduce liabilities thanks to tax agreements between the UK and France, so it’s worth exploring your options with a tax adviser.

What are the benefits of retiring in France?

The lifestyle in France is relaxed, with a pace that’s all about enjoying the moment. France also offers plenty of variety, from scenic beaches to vineyards, mountains, and charming towns.

Southern France, in particular, boasts a mild climate, with short winters and warm summers.

Beyond the landscapes, France is full of culture. From world-famous art and history to local festivals, there’s a lot to see. And when it’s time to visit family or host guests, France’s proximity to the UK makes travel relatively easy and affordable.

What are the drawbacks of retiring in France?

As with any move, there are a few challenges to consider.

Language is one of them when retiring to France from the UK. While some areas are English-friendly, learning French can make a big difference in helping you settle in and connect with locals.

There’s also the notorious French bureaucracy, which can be slow and detailed, so patience is key when tackling paperwork and processes.

Regarding finances, France’s tax policies are something to watch out for, especially regarding income and wealth. Some taxes here can be higher than in the UK, particularly on investments and inheritance.

Consulting a tax adviser can clarify what you owe and help you explore any ways to reduce liabilities legally. Also, if you plan to live in popular areas like Provence or Paris, budgeting for the higher cost of living is a must.

Can you use your UK pension in France?

If you retire to France from the UK, you can access your UK pension in France.

UK state and private pensions are transferrable, meaning you can receive them either in a French bank account or keep them in a UK account.

However, be mindful of the tax implications. Depending on double-taxation agreements, some pensions may be taxed in the UK, others in France.

The UK state pension generally keeps increasing annually in France, so you won’t miss out on adjustments.

However, currency fluctuations between the Pound Sterling and the Euro can impact your monthly amount, so financial planning is key here.

Transferring your pension to a qualified recognised overseas pension scheme (QROPS) is another option, but this comes with its own fees and tax implications. 

What healthcare options are available for UK retirees in France?

France has an excellent healthcare system, and as a UK retiree, you can access it with the right steps. Health insurance is a must when applying for a visa. 

Once you’re a resident, you can register for the Carte Vitale, which gives you access to the public healthcare system. This is a great way to cover general medical costs, but many retirees also choose top-up insurance to fill in the gaps. 

What are the steps to retire to France from the UK?

Here’s a streamlined step-by-step guide on how to retire in France from the UK:

1. Apply for a long-stay visa at the French consulate, submitting proof of finances, health insurance, and accommodation.
2. Secure a health insurance policy that meets visa requirements.
3. Apply for a Carte de Séjour residence card within two months of arriving.
4. Open a French bank account to simplify local expenses and pension transfers.
5. Arrange housing, and choose between renting or buying.
6. Either transfer your pension to a French bank account or keep it in the UK.
7. Understand your tax obligations by working with a tax adviser to navigate UK and French tax rules.
8. Apply for a Carte Vitale to access French healthcare, and consider top-up insurance for extra coverage.

How can you make the most of your retirement in France?

Once you’ve settled in, it’s time to embrace the experience fully. Learning French is a good way to integrate and get to know your community.

Take the time to explore France’s local markets, wine regions, and traditional dishes.

For social connections, look into expat groups or clubs where you can meet other retirees. Many towns have groups specifically for expats, or you could even volunteer locally. 

Building a social network and getting involved in local events can make retirement in France for UK citizens an enriching experience.

Find an adviser via Unbiased to discuss your retirement options

Embracing retiring in France from the UK offers you a blend of rich culture, beautiful landscapes, and a high quality of life.

With a bit of planning and preparation, you can navigate the visa process, manage your finances, and settle into a lifestyle that celebrates the best of French living.

Let Unbiased match you with a professional financial adviser to help you build a secure and confident retirement plan for your golden years.