Non-Lucrative Visa (NLV): the passive-income route
The NLV is the classic Spanish residency route for those who can live in Spain without working — retirees on UK pensions, FIRE applicants with portfolio income, and anyone with substantial passive UK rental or dividend income. The income threshold is set as a multiple of the IPREM index (€600/month in 2026), approximately €2,400 per month for the primary applicant (400% IPREM annually), plus uplifts for dependants.
The NLV explicitly prohibits work in or for Spain. Continuing remote work for a UK employer is the contentious area: technically prohibited under NLV, in practice tolerated when contained to non-Spanish employers, but the Digital Nomad Visa is the cleaner route for remote workers and the recommended choice if you intend to work at all.
Application at the Spanish Consulate (London, Edinburgh, Manchester) with bank statements, apostilled documents, medical certificate, and ACRO check. Initial permit 1 year, then 2-year renewals. Permanent residency at 5 years, citizenship at 10 (though dual UK-Spanish citizenship is not generally permitted, so most Brits stop at long-term residency).