What is the Best Place to Live in Europe Since Brexit?
The decision to live abroad is a major life choice, and with Brexit, the landscape of Europe has changed significantly for UK citizens. The implications of Brexit have shifted the ease of relocation, the cost of living, and other key factors. This article aims to explore the best places to live in Europe post-Brexit, focusing on factors such as cost of living, quality of life, climate, and accessibility.
Since the UK’s departure from the European Union, British citizens must navigate new rules and regulations to live, work, and retire in Europe. While the process may be more complex, many European destinations remain attractive for their lifestyle, culture, and opportunities. This guide will explore some of the best places to live in Europe post-Brexit, considering various factors to help you make an informed decision.
The New Landscape Post-Brexit
1. Visa and Residency Requirements
One of the most significant changes since Brexit is the need for visas and residency permits. Each EU country has its own requirements for long-term stays. It’s essential to research and understand the specific visa regulations for the country you are considering.
- Work Visas: If you plan to work, you’ll need a work visa. Some countries have more straightforward processes for skilled workers.
- Retirement Visas: Many countries offer retirement visas, but requirements vary widely. Proof of income, health insurance, and sometimes even investment in property might be required.
- Student Visas: If studying is your goal, you’ll need a student visa, which often allows for part-time work.
2. Healthcare Access
Post-Brexit, UK citizens can no longer use the European Health Insurance Card (EHIC) for free or reduced-cost healthcare. It’s crucial to understand the healthcare system of your chosen country and consider private health insurance.
3. Currency Exchange and Financial Considerations
Brexit has also influenced currency exchange rates, impacting the cost of living and transferring money. It’s essential to consider these financial aspects when planning your move.
Top Destinations in Europe Post-Brexit
1. Spain: Sun, Sea, and Lifestyle
Quality of Life
Spain continues to be a popular destination for British expats, thanks to its excellent quality of life. The country offers a relaxed lifestyle, beautiful beaches, and a warm climate. Spanish culture is rich with festivals, delicious cuisine, and a strong sense of community.
Cost of Living
The cost of living in Spain is relatively affordable, though it varies by region. Cities like Madrid and Barcelona are more expensive, while smaller towns and rural areas offer more budget-friendly options.
- Housing: Renting a one-bedroom apartment in Madrid or Barcelona might cost around €800-€1,200 per month, while in smaller cities, it could be €500-€700.
- Food and Dining: A meal at an inexpensive restaurant averages around €12, and monthly groceries can range between €250-€350.
- Utilities and Transportation: Utilities, including electricity, heating, cooling, water, and garbage, for an 85 m2 apartment, can range from €100 to €150 per month. Public transportation in cities is efficient and affordable, with monthly passes costing around €30.
Accessibility
Spain has a straightforward visa process for retirees and skilled workers. The healthcare system is excellent, and many regions are well-served by international airports, making travel easy.
Climate
Spain enjoys a Mediterranean climate along its coastal regions, characterized by hot summers and mild winters. The interior, however, experiences more extreme temperatures, with hot summers and cold winters. The Canary Islands, part of Spain, offer a subtropical climate, providing year-round warmth.
Lifestyle and Leisure
Spain’s lifestyle is centred around socializing and enjoying life. The Spanish siesta, a mid-day break, reflects the relaxed pace of life. Festivals such as La Tomatina, Running of the Bulls, and various regional fiestas showcase Spain’s vibrant culture. Outdoor activities like hiking, cycling, and water sports are popular due to the diverse landscapes.
Healthcare
Spain’s public healthcare system is highly regarded, offering quality care at a low cost. Private healthcare is also available and often preferred by expats for its convenience and shorter waiting times. Many healthcare professionals speak English, making it easier for expats to receive medical care.
Education
Spain offers a range of educational options, including public, private, and international schools. Public schools follow the Spanish curriculum, while international schools offer curricula in English or other languages, catering to the needs of expat families.
2. Portugal: Affordable and Friendly
Quality of Life
Portugal is known for its affordability, friendly locals, and stunning landscapes. The Algarve region, with its beautiful beaches and golf courses, is particularly popular among retirees. Lisbon and Porto offer vibrant city life with rich history and culture.
Cost of Living
Portugal is one of the more affordable Western European countries. Lisbon and Porto are pricier than smaller towns, but still relatively affordable compared to other European capitals.
- Housing: Renting a one-bedroom apartment in Lisbon might cost around €600-€1,000 per month, while in smaller cities, it could be €400-€600.
- Food and Dining: A meal at an inexpensive restaurant averages around €10, and monthly groceries can range between €200-€300.
- Utilities and Transportation: Utilities, including electricity, heating, cooling, water, and garbage, for an 85 m2 apartment, can range from €100 to €150 per month. Public transportation is efficient and affordable, with monthly passes costing around €40-€50 in major cities.
Accessibility
Portugal offers a variety of visas for retirees, investors, and workers. The healthcare system is excellent, with both public and private options. The country is well-connected by air, making travel to and from the UK convenient.
Climate
Portugal enjoys a Mediterranean climate, with hot, dry summers and mild, rainy winters. The Algarve region is particularly popular for its sunny weather, making it a favorite among retirees and sun-seekers.
Lifestyle and Leisure
Portugal’s lifestyle is relaxed and family-oriented. The Portuguese are known for their friendliness and hospitality. Portugal’s diverse landscapes, from stunning beaches to lush vineyards, offer plenty of leisure activities. Surfing, wine tasting, and exploring historical sites are popular pastimes.
Healthcare
Portugal’s public healthcare system is funded through taxes, providing residents with access to essential medical services. Public hospitals and clinics are available throughout the country, offering comprehensive healthcare services. Private healthcare is also available, with many expats opting for private insurance to access private medical facilities.
Education
Portugal offers public and private educational options. Public schools follow the national curriculum and are free to attend, though instruction is primarily in Portuguese. International schools are available in major cities, offering curricula in English or other languages, making them a popular choice for expat families.
3. France: Culture and Charm
Quality of Life
France offers a high quality of life with its rich cultural heritage, excellent healthcare system, and beautiful landscapes. Whether you prefer the bustling streets of Paris, the tranquil countryside of Provence, or the sunny beaches of the Côte d’Azur, France has something for everyone.
Cost of Living
The cost of living in France can be high, especially in Paris and other major cities. However, rural areas and smaller towns offer more affordable options.
- Housing: Renting a one-bedroom apartment in Paris can cost around €1,200-€2,000 per month, while in smaller towns, it might be €500-€800.
- Food and Dining: A meal at an inexpensive restaurant averages around €15, and monthly groceries can range between €250-€400.
- Utilities and Transportation: Utilities, including electricity, heating, cooling, water, and garbage, for an 85 m2 apartment, can range from €120 to €180 per month. Public transportation is extensive and reliable, with monthly passes costing around €75-€100 in major cities.
Accessibility
France has a robust healthcare system and offers various visa options for retirees, students, and workers. The country is well-connected by air, train, and road, making travel convenient.
Climate
France has a diverse climate, ranging from the temperate climate of the north to the Mediterranean climate in the south. The coastal regions enjoy mild winters and warm summers, while the interior can experience more extreme temperatures.
Lifestyle and Leisure
France’s lifestyle is characterized by a strong emphasis on food, culture, and leisure. French cuisine is world-renowned, and dining is an important social activity. The country is rich in cultural heritage, with numerous museums, galleries, and historical sites. Outdoor activities such as skiing in the Alps, hiking in the Pyrenees, and sailing along the Mediterranean coast are popular.
Healthcare
France’s public healthcare system, known as Sécurité Sociale, is funded through taxes and offers high-quality medical care. Public hospitals and clinics are available throughout the country, and private healthcare is also widely accessible. Many expats opt for private insurance to complement the public healthcare system.
Education
France offers a variety of educational options, including public, private, and international schools. Public schools are free and follow the national curriculum, taught in French. International schools offer curricula in English or other languages, catering to the needs of expat families.
4. Italy: History and Hospitality
Quality of Life
Italy is renowned for its rich history, delicious cuisine, and beautiful landscapes. From the historic cities of Rome and Florence to the picturesque countryside of Tuscany and the stunning Amalfi Coast, Italy offers a diverse range of experiences.
Cost of Living
Italy’s cost of living varies widely depending on the region. Northern Italy tends to be more expensive than the south.
- Housing: Renting a one-bedroom apartment in Rome or Milan can cost around €900-€1,500 per month, while in smaller towns, it might be €400-€700.
- Food and Dining: A meal at an inexpensive restaurant averages around €15, and monthly groceries can range between €250-€400.
- Utilities and Transportation: Utilities, including electricity, heating, cooling, water, and garbage, for an 85 m2 apartment, can range from €120 to €180 per month. Public transportation is extensive and reliable, with monthly passes costing around €35-€50 in major cities.
Accessibility
Italy offers several visa options, including retirement and investor visas. The healthcare system is good, and the country is well-connected by air, train, and road.
Climate
Italy has a diverse climate, ranging from the alpine climate in the north to the Mediterranean climate in the south. The coastal regions enjoy mild winters and hot summers, while the interior can experience more extreme temperatures.
Lifestyle and Leisure
Italy’s lifestyle is centred around family, food, and culture. Italian cuisine is world-famous, and dining is a key social activity. The country is rich in cultural heritage, with numerous historical sites, museums, and art galleries. Outdoor activities such as skiing in the Alps, hiking in the Dolomites, and sailing along the Amalfi Coast are popular.
Healthcare
Italy’s public healthcare system is funded through taxes and offers high-quality medical care. Public hospitals and clinics are available throughout the country, and private healthcare is also widely accessible. Many expats opt for private insurance to complement the public healthcare system.
Education
Italy offers a variety of educational options, including public, private, and international schools. Public schools are free and follow the national curriculum, taught in Italian. International schools offer curricula in English or other languages, catering to the needs of expat families.
5. Germany: Efficiency and Opportunity
Quality of Life
Germany is known for its efficient infrastructure, high quality of life, and strong economy. Cities like Berlin, Munich, and Frankfurt offer a blend of history, culture, and modern amenities. Germany’s public transportation system is one of the best in Europe, making travel easy and convenient.
Cost of Living
Germany’s cost of living is moderate, with some cities being more expensive than others.
- Housing: Renting a one-bedroom apartment in Berlin might cost around €800-€1,200 per month, while in smaller towns, it could be €500-€800.
- Food and Dining: A meal at an inexpensive restaurant averages around €12, and monthly groceries can range between €250-€350.
- Utilities and Transportation: Utilities, including electricity, heating, cooling, water, and garbage, for an 85 m2 apartment, can range from €150 to €200 per month. Public transportation is extensive and reliable, with monthly passes costing around €80-€100 in major cities.
Accessibility
Germany offers various visa options for workers, students, and retirees. The healthcare system is excellent, and the country is well-connected by air, train, and road.
Climate
Germany has a temperate climate, with mild summers and cold winters. The coastal regions experience more moderate temperatures, while the interior can experience more extreme weather conditions.
Lifestyle and Leisure
Germany’s lifestyle is characterized by efficiency, cultural richness, and a strong work-life balance. The country is known for its beer culture, with numerous beer gardens and festivals such as Oktoberfest. Germany is also rich in cultural heritage, with numerous museums, galleries, and historical sites. Outdoor activities such as hiking, cycling, and skiing are popular due to the diverse landscapes.
Healthcare
Germany’s public healthcare system is funded through social security contributions and offers high-quality medical care. Public hospitals and clinics are available throughout the country, and private healthcare is also widely accessible. Many expats opt for private insurance to complement the public healthcare system.
Education
Germany offers a variety of educational options, including public, private, and international schools. Public schools are free and follow the national curriculum, taught in German. International schools offer curricula in English or other languages, catering to the needs of expat families.
Key Considerations for Moving to Europe Post-Brexit
1. Language Barriers
While many Europeans speak English, learning the local language can significantly enhance your experience. It helps with integrating into the community, accessing services, and enjoying local culture. Consider taking language classes or using language learning apps to ease the transition.
2. Employment Opportunities
If you plan to work, research the job market in your chosen country. Some countries have more robust job markets for certain industries. Networking, attending job fairs, and using online job portals can help you find employment opportunities.
3. Cultural Differences
Understanding and respecting cultural differences is crucial for a smooth transition. Each European country has its unique customs, traditions, and social norms. Take time to learn about these aspects to help you integrate and build relationships.
4. Tax Implications
Research the tax implications of living abroad, including income tax, property tax, and any double taxation agreements between your home country and your new country. Consulting with a tax professional can help you navigate these complexities and ensure compliance with both countries’ tax laws.
5. Education
If you have children, consider the education system in your chosen country. Research local schools, international schools, and any specific requirements for enrolling your children. Some countries offer excellent public education systems, while others may require you to consider private or international schools.
Navigating the Transition
1. Finding Accommodation
Start your search for accommodation early. Websites like Airbnb can be useful for short-term rentals while you search for a long-term home. Local real estate agents and online property portals can help you find rental or purchase options that suit your needs and budget.
2. Building a Support Network
Building a support network can make your transition smoother. Join expat communities, social groups, and local clubs to meet new people and make friends. These connections can provide valuable support, advice, and companionship as you settle into your new home.
3. Managing Finances
Open a local bank account to manage your finances more efficiently. Research the best options for international money transfers to avoid high fees and unfavorable exchange rates. Apps like Revolut and TransferWise offer competitive rates and ease of use.
4. Health and Wellbeing
Ensure you have adequate health insurance coverage. Research the healthcare system in your chosen country and understand how to access medical services. Maintaining your health and wellbeing is crucial during the transition period.
5. Embracing the Experience
Moving to a new country is a unique opportunity to explore new cultures, cuisines, and experiences. Embrace the adventure with an open mind and a positive attitude. Take time to travel, explore your new surroundings, and immerse yourself in the local culture.
Choosing the best place to live in Europe post-Brexit depends on your personal preferences, lifestyle, and financial considerations. Spain, Portugal, France, Italy, and Germany each offer unique advantages and potential challenges. By carefully considering factors such as cost of living, quality of life, accessibility, and personal interests, you can find the perfect destination to call home.
In summary:
- Spain: Ideal for those seeking a relaxed lifestyle, beautiful beaches, and a warm climate. Spain offers a vibrant culture and affordable living costs.
- Portugal: Perfect for those looking for affordability, friendly locals, and stunning landscapes. Portugal’s diverse regions offer something for everyone.
- France: Best for those who appreciate rich cultural heritage, excellent healthcare, and beautiful landscapes. France offers a high quality of life and diverse experiences.
- Italy: Ideal for history buffs and food lovers. Italy’s rich history, delicious cuisine, and beautiful landscapes make it a compelling choice.
- Germany: Best for those seeking efficiency, strong infrastructure, and employment opportunities. Germany offers a high quality of life and modern amenities.
Ultimately, the best place to live will depend on your individual needs and desires. Take the time to visit each country, explore different regions, and immerse yourself in the local culture before making your decision. With careful consideration and planning, you’ll find the perfect European destination to call home post-Brexit.
Tips for Currency Exchange
Timing Transfers
- Monitor Exchange Rates: Exchange rates can fluctuate, so timing your transfer when rates are favourable can save you money. Use tools like currency trackers to monitor rate changes.
- Use Rate Alerts: Some services offer rate alerts to notify you when the exchange rate reaches your desired level. Cambridge Currencies provides rate alert features to help you transfer at the best time.
Leverage Customer Support
- Seek Assistance: If you encounter any issues, reach out to the service’s customer support for assistance. Cambridge Currencies offers dedicated support to help resolve any problems quickly.
- Understand Support Options: Familiarize yourself with the available support channels, such as phone, email, or live chat. Knowing how to contact support can save time if issues arise.
Stay Informed About Regulations
- Know the Rules: Be aware of any regulations regarding international money transfers from Ireland to the UK. Different countries have different rules, and staying informed helps ensure compliance.
- Comply with Legal Requirements: Ensure your transfers comply with all legal requirements to avoid any complications. Cambridge Currencies adheres to international regulations, providing a secure and compliant transfer process.
Explore Additional Features
- Mobile Apps: Many transfer services offer mobile apps that provide convenience and additional features such as transaction history and rate alerts. Cambridge Currencies’ app is highly rated for its ease of use and functionality.
- Rate Locks: Some services offer rate locks that allow you to secure a favourable exchange rate for a future transfer. This can be beneficial if you expect rates to change.
Security Measures
- Verify Service Security: Ensure the transfer service uses robust security measures, such as encryption and two-factor authentication, to protect your transaction. Cambridge Currencies employs advanced security protocols to safeguard your information.
- Protect Personal Information: Safeguard your personal and financial information by using secure internet connections and avoiding public Wi-Fi for transactions. Always log out of your account after completing a transaction.