Buy or rent a holiday home?

Thank you for replying.

I did look at torrox but l need to visit.  

Is everything open during the winter months?  Could you recommend a letting agent?

With long term let's are you allowed to put your own furnishings in as we would like it to be a home from home.

Many thanks 

OK thank you,  just had my first experience of driving abroad.  Will take abit of getting use to but the roads are great.

Visting and living in a place can be totally different so my advice would be to research ,possibly rent or visit  for 2 weeks and look at areas ,potential properties etc 

Think about all the times of the year particularly when looking inland -hotter summers ,cooler winters 

If you buy remote then think later on when maybe you can't drive -also think of crime ie burglary 

Research practical ie is there fibre internet or are you committed to wi-fi internet ?

VERY IMPORTANT

if you are retiring get advice BEFORE you become resident as UK  25% tax free lump sums from private pensions are taxable here 

Complete a tax return in your FIRST year as a resident even if you fall below the taxable income -thus you are registered with Hacienda (HMRC equivalent. )and need the certificate to send to HMRC 

ISAs in UK -get advice before you leave particular if you have child /junior isa for relatives 

Get pension advice ie state pension get the pension estimate ie years paid in etc as this helps when your pension date arrives 

international sipps maybe worth exploring -is your current uk tax adviser allowed to give you advice post Brexit 

MY GOLDEN RULE -if you can reduce your debts ie mortgages, etc then that means your outgoings are lower -if you pump money into pensions they will be taxed 

Most of all plan and enjoy your retirement -try to learn spanish even a few words as its very appreciated by the locals 

below an excellent article and mapping Spain is brilliant for personal experiences throughout spain

https://mappingspain.com/where-to-live-as-a-retiree-in-spain/Where to live as a retiree in Spain?

Hiya

Thank you so much for the information,  it is very helpful  and I will also pass it onto our friends who are also looking to retire in spain.

Elaine