Honest UK to Iberia relocation help, built by someone who lives it.
WarmerCoast is the UK relocation resource I wish I'd had when I started looking into moving abroad. Not a vague “5 reasons to move to Spain” PDF. Not a sponsored funnel into a regulated adviser. Just the actual playbook for what to do, in what order, with the documents you need, the deadlines that matter, and the money it saves or costs.
British, late thirties, currently living between London and the Mediterranean. I spend my time reading tax codes, visa policy updates and treaty stacks so the people I help don't have to. Every page on WarmerCoast is written or reviewed by me.
Why WarmerCoast exists
More than 80,000 UK citizens leave Britain for Spain, Portugal or Gibraltar every year, and the number is growing. Every one of them runs into the same wall: information that's either out of date, written for a different country, or paywalled behind a £400-an-hour adviser.
I've seen people lose £15,000 on a tax decision that took 20 minutes to research properly. I've seen families file the wrong visa and wait an extra eight months. I've seen pensioners miss the Beckham Law election window because no one told them it existed.
WarmerCoast fixes that. Each playbook walks you through the move in order: pre-move UK actions, visa application, arrival, tax registration, year-one filing. Every claim is sourced from gov.uk, the Agencia Tributaria, Portal das Finanças, or the Gibraltar Income Tax Office. Updated for 2026. Written by someone who actually reads the primary sources.
What this is, what it isn't
- Structured, sourced relocation playbooks for UK citizens.
- Tax-aware: Beckham Law, IFICI, Cat 2, treaty mechanics, all worked through.
- Updated for 2026 rules including the new Gibraltar-EU border treaty.
- One-time purchase, lifetime access, 12 months of updates included.
- Regulated financial, legal or tax advice for your specific case.
- A “done for you” service. You still do the paperwork.
- A funnel into a paid adviser network or affiliate links.
- Generic “why Spain is amazing” content.
Where every number on this site comes from
Tax and visa content is a YMYL category — “your money or your life” — so every figure has a primary source. I cite the issuing authority directly. If a figure doesn't link to one of these, I haven't finished my homework on it yet and you should treat it as a flag.
- UK tax & HMRC forms — gov.uk (HMRC publications, Income Tax bands, P85, Form 17, Statutory Residence Test).
- Spanish tax — Agencia Tributaria (AEAT) — Beckham Law (Art. 93 LIRPF), Modelo 100, Modelo 720, Modelo 149.
- Spanish visa policy — Ministry of Foreign Affairs consular pages and the BOE (Boletín Oficial del Estado) for IPREM and SMI annual confirmations.
- Portuguese tax & immigration — Portal das Finanças for IFICI, IRS rates, NIF; AIMA for D7, D8, golden visa and residency permits.
- Gibraltar tax & residency — HM Government of Gibraltar Income Tax Office for Cat 2, HEPSS, ABS/GIBS bands; annual EY Gibraltar tax facts for the assessment-year position.
- UK-Iberia treaty mechanics — the published double-taxation agreements between the UK and Spain (2013), the UK and Portugal (1968, as amended), and HMRC's DT guidance manuals.
How I work
Every page has a “reviewed” date. When a tax rule changes, the relevant module gets updated and a note appears at the top. When a reader asks a question that isn't covered, I add the answer. When the Gibraltar-EU border treaty was finally signed in 2025, the Gibraltar playbook was rewritten within a week.
I cite primary sources inline so you can verify. I tell you when I don't know something. I tell you when a strategy is politically fragile. And when the right answer is “hire a specialist for this one”, I tell you that too, and I give you the questions to ask them.