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.

If you intend to stay in France for more than 90 days, you will need to apply for a residence permit (VLS-TS). This is valid for between three and 12 months, and the application fee is €99.

You will also need to pay a fee to the processing centre, which currently costs €55 for a long-stay visa. In addition, it costs €225 to validate your VLS-TS, which you need to do online within three months of arriving in France.

If you stay over 1 year, you will need to apply for a renewable residence permit by applying in the prefecture or sub-prefecture where you live.  This costs €225, which comprises €25 and €200 tax.

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, and you are required to apply for a long-stay visa.

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 in Rouen currently costs around £490 per month.

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 the things to consider 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.

The tax laws are also different when it comes to your will. For example, French laws mean there may be specific forced heirship rules governing where you can leave your assets. 

The bottom line is that a qualified financial adviser and specialist solicitor will be able to help you plan your finances and avoid any tax surprises.

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.

Both UK state and private pensions can be paid into a French bank account or you can keep them in a UK account.

You also have the option to transfer a private pension to a qualified recognised overseas pension scheme (QROPS), but this comes with its own fees and tax implications. 

If you decide to keep your pension in a UK-based account, it will still be payable in France. However, be mindful of the tax implications. Depending on the type of pension, some pensions may be taxed in the UK, others in France. 

If you pay tax in France, you’ll be able to get a tax refund for any UK tax already paid. It’s a good idea to use a specialist accountant to ensure you pay the right taxes.

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.

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, known as Protection Universelle Maladie (PUMA). However, this only covers around 70% of GP costs, so you’ll still need private medical 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 and 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 retirement 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.