🌴 Why Retire in Marbella?
Marbella is the luxury capital of Spain’s Costa del Sol — attracting wealthy retirees from the UK, Northern Europe, North America, and the Middle East.
✅ Mediterranean lifestyle with upscale amenities
✅ Michelin-star dining, golf, and yacht marinas
✅ High-end clinics, English-speaking services
✅ Established international expat community
✅ Safe, sunny, and cosmopolitan
If you’re looking for a premium retirement experience, Marbella offers lifestyle and infrastructure at the highest level.
🛂 Visa & Residency for Retiring in Marbella
Most non-EU retirees need the non-lucrative visa (NLV) to live in Marbella long-term.
Visa requirements:
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€2,400/month income (more for couples)
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Private health insurance with no co-pays
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Police clearance certificate
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Valid passport and proof of accommodation
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Application submitted through the Spanish consulate in your home country
💡 Many retirees use power of attorney to let us handle paperwork before arrival.
🏥 Healthcare in Marbella
Marbella offers top-tier healthcare, both public and private.
Private Healthcare (Required for Visa)
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English-speaking doctors and specialists
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International hospitals: Hospital Ceram, HC Marbella
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Fast access and modern facilities
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Premium plans: €100–€300/month depending on age and coverage
Public Healthcare
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Accessible via Convenio Especial after 1+ year
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Requires NIE and registered residence
💡 We help you choose a health insurance policy that meets consulate and medical expectations.
🏠 Buying Property in Marbella
Many retirees invest in real estate here — whether it’s a beach apartment or a gated villa.
Popular Areas:
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Nueva Andalucía – golf valley, quiet, luxury gated communities
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Golden Mile – top-tier beachfront living
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Puerto Banús – vibrant marina lifestyle
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La Zagaleta / Sierra Blanca – exclusive hilltop estates
Legal considerations:
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Use a lawyer to review arras contracts, land registry, and planning
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Taxes: ~11%–13% on property purchase
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Annual property tax (IBI) applies
💡 We offer full property due diligence, purchase contracts, and POA-based closings.
💰 Marbella Tax Rules for Retirees
Once you spend over 183 days per year, you become a Spanish tax resident.
| Income Type | Tax Rules |
|---|---|
| Private pensions | Taxed at 19–26% under savings income scale |
| State pensions | Depends on treaty (UK, US, Canada, etc.) |
| Rental income | Taxed in Spain if you’re a resident |
| Investments | Declared annually (Modelo 720 if abroad) |
Spain has tax treaties with major countries, and Andalusia offers low regional income tax bands and inheritance exemptions.
💡 We provide personalized tax structuring and reporting services.
📜 Wills & Inheritance Planning in Marbella
Most expats overlook the impact of Spanish inheritance laws, which impose forced heirship rules unless you elect your home country’s law.
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We recommend drafting a Spanish will
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Spouses and children may qualify for 99% tax exemptions under Andalusian law
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We handle inheritance tax optimization and probate planning
💡 Get bilingual, legally enforceable wills tailored to international families.
💶 Cost of Living in Marbella (Retired Couple – Luxury Lifestyle)
| Expense Category | Est. Monthly Cost (€) |
|---|---|
| Rent / Mortgage | €1,500–€3,500+ |
| Private Healthcare | €150–€300 |
| Groceries & Dining | €500–€1,000 |
| Utilities & Services | €200–€400 |
| Golf, clubs, leisure | €300–€800 |
✅ Total for comfortable lifestyle: €3,000–€5,000+/month
🛡️ Legal Services for Retirees in Marbella
We help clients retiring in Marbella with:
✅ Non-lucrative visa processing
✅ POA-based property purchases
✅ NIE & registration services
✅ Tax & residency planning
✅ Spanish wills & family inheritance structures
📞 Retiring in Marbella?
Let us handle the legal side of your luxury retirement — from residence permits to property deals, health coverage, and beyond.
👉 Contact us today to plan your retirement in Marbella with confidence.