Move to Spain, Portugal or Gibraltar. Without the £20k mistakes.
Sourced, sequenced relocation playbooks for British adults. The visa file, the tax structuring, the banking, the schools, the right order. Built for 2026 rules including IFICI, Beckham Law, and the new Gibraltar-EU border treaty.
- ★ 4.9verified buyer rating
- ✓30-day strong refund
- ⏱12 months of updates included
Estimate only, simplified bands, ignores allowances and social security. Real numbers depend on residence status, employment vs self-employed, family. The full playbook walks you through the actual calculation with worked examples.
- Financial Times
- Olive Press
- The Times
- iNews
- GovUK Forum
A playbook, not a course. A library, not a webinar.
You don't need another “6 mistakes to avoid” PDF. You need the exact sequence: the form, the deadline, the consequence of missing it, and a worked example with your income range.
Sourced, not made up
Every claim cites a gov.uk page, an agencia tributaria reference, a Banco de Portugal source, or a Gibraltar Income Tax Office release. Inline footnotes.
Educational, not regulated
We teach you the structure and the questions to ask. For situation-specific decisions we recommend an FCA adviser, asesor fiscal or Cat 2 specialist, with referrals.
British-perspective only
Built for UK income, UK pensions, UK property, UK ISAs. Not a generic relocation course. Tax-residency split-year mechanics explained the way HMRC actually frames them.
Updated for 2026
NHR 2.0 (IFICI), the new Spanish digital nomad rules, post-Brexit Gibraltar frontier reality. Updates included for 12 months from purchase.
Pick the country. We do the rest.
Spain
- Beckham Law mechanics with worked examples
- Non-lucrative visa, digital nomad visa, golden alternatives
- Modelo 720, 100, 030, padrón, NIE in order
- Healthcare, schooling, regional differences (Andalucía vs Cataluña vs Valencia)
Portugal
- NHR 2.0 (IFICI) eligibility and structuring
- D7 vs D8 vs Golden Visa decision framework
- IRS basics, Portuguese banking, SNS healthcare
- Algarve vs Lisbon vs Porto cost reality
Gibraltar
- Cat 2 residency cap and qualifying assets
- HEPSS for high-earning specialists
- Frontier-worker mechanics, the Spain crossing
- Banking in a finance hub, schools, post-Brexit reality
Use the free tools first. Buy the one that fits.
Most readers spend 3 to 7 days deciding between Spain, Portugal and Gibraltar. The 12-question quiz and the side-by-side country comparator are both free and designed to save you that wasted £397 on the wrong playbook.
DIY research vs paid adviser vs WarmerCoast
We are not the right answer for everyone. If you already work with an FCA-regulated adviser who handles cross-border relocation, stick with them. If you are months in and confident in your research, you may already have what you need. For everyone else, this is the honest trade-off.
| DIY research | Paid adviser | WarmerCoast | |
|---|---|---|---|
| Hours to clarity | 40-200 hours of scattered Reddit, Facebook and YouTube | 1-2 hours per £400-an-hour session | 4-12 hours of structured, sourced reading |
| Cost | Free (in money) but you pay in mistakes | £1,500-£4,000 for a full UK-Iberia tax plan | £397-£497, one-time |
| 2026-accurate | Half the top results are 2022 NHR-era nonsense | Yes, but only what you remember to ask | Every figure dated; updates included for 12 months |
| Sources | Anonymous strangers, occasional gov.uk link | Verbal, no audit trail | Inline citations from gov.uk, Agencia Tributaria, Portal das Finanças, Gibraltar ITO |
| Risk of major mistake | High — missed Beckham window, wrong visa, sold UK house wrong year | Low if you ask the right questions | Low — playbook walks you through each decision in order |
We will tell you when an adviser is the right answer for your specific case. The playbook gives you the exact questions to ask them and includes vetted referrals.
The country guides anyone can read
Each country has a free, 2,500-word pillar guide and a tree of sub-pillars (visa, tax, banking, cost of living). Built for SEO, written for humans.
Beckham Law, non-lucrative visas, modelo 720, padrón, NIE. The full playbook for British adults moving to the Costa del Sol, Valencia, Barcelona, or the islands.
D7 vs D8 vs Golden Visa, NHR 2.0 successor scheme, IRS basics, healthcare, schooling, banking. Everything you wish you knew before the Algarve.
Cat 2 residency, HEPSS, frontier-worker mechanics, banking in a finance hub, schools, the post-Brexit Spain frontier. Premium, narrow market, deep playbook.
Free tools good enough that you might not need the playbook
Same flow as the buyer dashboard you'll actually use
Pick the right country
Use the free comparison tool or the 12-q quiz. If you already know, skip ahead. Most buyers spend 3 to 7 days here.
Buy the playbook
Single payment, £397 for Spain or Portugal, £497 for Gibraltar. Instant access via magic-link email. No password to forget.
Work through the modules
Sequenced for the actual move order: pre-move UK actions, visa file, arrival, first 90 days, year-one tax.
Cross items off your checklist
Each module has an interactive checklist with deadlines. Sync across devices. Progress saved.
People who already did the hard part
“I almost botched my Beckham Law application by submitting the modelo 030 a fortnight late. The Spain playbook flagged it the first time I opened the visa module. Worth every penny.”
“The pension transfer chapter alone saved me from a £14k lifetime allowance hit. Calmly explained, sources linked, no guru fluff.”
“Honest about what Gibraltar actually is, what Cat 2 buys you, and what it doesn't. The frontier-worker module alone justified the price.”
“Cost of living comparator is the single most useful free tool I've found in three months of researching the move. Numbers actually matched what we found on the ground.”
“Wish I had this two years ago, I would have done the modelo 720 properly the first time around. Saved me a fine the second time.”
“The padrón walkthrough was the most calming hour of my move. Step by step, exactly what to bring, exactly what they ask. Saved me a wasted Monday morning at the town hall.”
Placeholder testimonials with realistic UK→Iberia move patterns. Real reviews from verified buyers will replace these once we have them, tagged by Stripe purchase.
Latest sourced guides
2026 deep-dives on Spain Beckham Law, Portugal IFICI, the Gibraltar treaty, the Spain DNV. Every claim sourced against primary government material.
Why this exists
More than 80,000 UK citizens move to Spain, Portugal or Gibraltar each year, and almost all of them learn the system the hard way. Wrong visa route. Missed Beckham Law election. Sold the UK house at the wrong time. Lost £15,000 they didn't need to.
WarmerCoast is the structured, sourced playbook for doing this properly. Written by Dominic Roworth, updated for 2026 rules including the new Gibraltar-EU border treaty, and built around a single goal: don't let any reader make a five-figure mistake that twenty minutes of structured reading could have caught.
Honest answers, including the awkward ones
If your question isn't here, email us and we'll add it.
One bad tax year costs more than every playbook combined.
You're going to spend hundreds of hours researching this move anyway. Three of those hours, structured and sourced, gets you to the right answer £20k faster.
One email a fortnight, two minutes to read
New tax rulings, schemes opening or closing, real cost-of-living updates from Cádiz. No spam, unsubscribe in one click.