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Brits ignore Brexit fears to make dream move to France

Britons tell The Local how despite all the uncertainty and the falling pound, they are still making the move across the English Channel for a new life in France.

Brits ignore Brexit fears to make dream move to France
The beautiful village of Gordes in southern France. Photo: AFP

Believe it or not the EU referendum vote hasn’t just affected the lives of David Cameron, Boris Johnson and Nigel Farage.

The vote to leave the EU, which still two weeks on is hard to digest for many expats in France, has already had a major impact on tens of thousands of ordinary Britons and the UK hasn’t even left the EU yet.

The falling pound and the uncertainty over what rights expats will have in the future has forced many Brits already in France to take decisions that affect their future.

But the 51.9 percent of voters who wanted out of the EU have also forced the hundreds if not thousands who plan to move to across La Manche each year to reconsider.

With the pound having fallen fairly dramatically in just two weeks (currently stands at €1.17) and with the future legal rights of Britons living in the EU basically up in the air, those making the move would be forgiven for tearing up their dreams and having a rethink.

But for many the fantasy of living in France is just too great.

One of them is Jane Clark, who has recently moved to Finistere in western France after buying a house.

(Photo: Elliott Brown/Flickr)

“We've invested twenty years of dreaming and saving into this. For the next nine years, it'll be our holiday home and then our retirement home,” she said.

“We are going to plough on regardless as I'm not giving up on that dream. We've dreamed of this, worked hard for it and love France.

“We've been planning it for years and I won't let this [Brexit referendum] spoil things,” Clark said.

She was however, lucky enough to be able to buy the house when the pound was worth €1.38.

As for the issues of whether Brits will be able to stay in France, Clark said: “In my village there is an Australian and an Amaerican and they have the right to stay. They just apply each year. 

“They don't have the right to health cover by they manage.”

Another is Paul Broom who only this week made the move to Charente in south western France.

“We were into the process of moving when the referendum was announced. We bought our house last year and the final move was on Friday,” he said.

“As expected the currency has affected us, directly and indirectly, health care etc is uncertain. But at the moment amongst all the unpacking of boxes, looking at the view and going for a swim in our pool; it still feels absolutely the right decision.”

But while many Britons are still intent on making the move, some have had to change their plans due to the falling pound.

George White was planning to sell up and buy a place in Bédoin, in southern France near Avignon, where he already owns a little holiday home

But the steep fall in the pound, which some analysts believe will keep dropping until it reaches parity with the euro, means his plans are on hold.

“We were planning to sell our main house here in the UK. The comparative values meant that in the Vaucluse area, we should have been able to get a nice big place.

“We are unwilling to go ahead with that now because we won't be able to get the same value from our UK house.

“The market has gone south and the pounds won't buy as many euros. It's all chaotic and scary.”

(Shutterstock)

White will still move to France though, but instead of selling up and buying a house, they may have rent out the UK home and live in their holiday home.

“We still want to move to France. The chaos will last so long, we might even have time to stay the five years to get residency. It's all in limbo because of this craziness,” he said.

But while many refuse to be put off by the limbo and others are taking advantage of the it to move before anything is decided, there’s no doubt many Britons will have been put off.

Pat Reid, who is looking to sell her house in France said a newly retired British couple who were potential buyers, pulled out the day after the referendum.

“They are devastated but it's the pensions and healthcare issues that have caused them to 'pause' indefinitely until something positive is declared,” Reid said.

Estate agents in France say they expect to have a tough time given the falling pound and the uncertainty over the rights of British nationals in the EU, which the likely next PM Theresa May, has been ambiguous about fighting to guarantee.

But thankfully for them, not even Brexit or the likelihood of it, looks like ending the love affair many Britons have with France. And besides they say that despite the currency fluctuations there are still a lot of great bargains in France.

Cate Carnduff from Herman de Graaf estate agents added: “The pound is always going up and down and around. We nearly had parity a few years ago and we didn't go out of business. At the end of the day people want to come to France.”

If you have had to postpone your move to France we'd like to hear from you. Email [email protected]

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BRITS IN FRANCE

9 things Brits need to know about moving to France since Brexit

There's no doubt that Brexit has made moving to France more complicated for Brits - but it is still possible. Here are some of things you need to know before making the move.

9 things Brits need to know about moving to France since Brexit

Brits who want to move to France now face a radically different process from those who took advantage of EU freedom of movement to make the move before Brexit. 

It’s a more complicated process – but it’s still possible and 8,700 UK nationals moved to France in 2023

Here are some of the big things you need to know before making the move.

1 Visa

The biggest post-Brexit change is that Brits moving to France now require a visa (unless they have dual nationality with an EU country).

The visa must be applied for first, and only when it is granted can you make the move – you cannot come to France and then apply for residency (unless you are covered by the Withdrawal Agreement, more on that below).

There are various different types of visas depending on what you intend to do in France – work, study, retire etc – and many of them contain conditions eg people on a ‘visitor’ visa are not permitted to work in France.

It makes things less flexible as it’s harder to change your plans once you have arrived. It also means that it’s harder to have a ‘half and half’ lifestyle – eg retire from your day job and move to France to run a gîte or B&B.

Explained: What type of French visa do you need

The best visa type is undoubtedly the ‘Talent Passport’, so it’s worth checking whether you fit any of the criteria for this visa type

2 Residency card

Once you have your visa and have moved to France this is very far from being the end of the process.

You will need to apply for a residency card after a certain period (usually three months but different visa types have different rules) and according to your personal situation you may also be required to attend a compulsory medical, language classes and ‘integration’ classes through the French office of immigration and integration (OFII) – more on that here

READ ALSO Getting a French visa – what paperwork comes next?

3 Health cover 

When it comes to health there is some good news – Brits have retained many of their pre-Brexit rights to healthcare.

While you may need to provide proof of private health cover for your visa (depending on the visa type) once you have been resident in France for three months you are entitled to register in the French health system, which covers most of your medical costs.

Full details on how to register HERE.

Brits who are retired and have reached UK pension age also retain their right to an S1 – the status which entitles you to register in the French health system, while the UK continues to pay your medical costs.

4 Remote working 

The rise in remote working means that the dream of moving abroad seems much closer for working-age people – since you will be able to work remotely in your native language, maybe even keep your existing job and simply relocate.

While this is possible, you need to do careful research in advance to ensure that work is compliant with your visa and tax situation. Unlike some countries, France does not have a ‘digital nomad visa’ or other visa types aimed at remote workers, in fact the visa rules were written before remote working became widespread, which is why there are some grey areas.

Most lawyers advise getting a working visa (salarié if you are working remotely for a French company as an employee, or auto-entrepreneur for freelancers) and paying social contributions in France. Find full details on visa and tax implications.

READ ALSO France’s entrepreneur visa and how to get it

You also need to be aware that being a remote working can have an effect on your long-term plans in France – for example if after five years of residence you intend to apply for French citizenship you will need to prove that the ‘centre of your economic activity’ in in France. If all your work is done remotely for foreign companies then this could be a reason to have citizenship refused. 

5 Working restrictions 

If you want to work in France (remotely or not) you first need to check if there are any restrictions on your profession – certain types of work are ‘regulated professions’ in France, which means you will need specific French qualifications and/or registration within a French guild or professional organisation. The number of professions that are ‘regulated’ is surprisingly wide – taking in everything from chimney sweeping to hairdressing.

The next step is whether your qualifications will be recognised in France – EU countries generally recognise most of each other’s qualifications apart from in certain specific areas like medicine, but this is no longer the case for qualifications gained in the UK – more details here.

There are also certain jobs that are restricted to French citizens only, while others – including working in the public sector in positions including being a librarian – are limited to EU citizens only.

In visa terms, the simplest way for working-age people to come to France is as a salarié (employee) but to do this you will need a job already in place and your new employers will have to act as sponsors for your visa and may also be required to get a work permit for you. All of which means that Brits are less attractive as employees than EU citizens, which makes getting a job harder.

The other option is to be self-employed as either a freelancer, contractor or running a small business – this is a more complicated visa to get, requiring a detailed business plan. Once in France you need to register yourself as a small business/self-employed and register with Urssaf.

READ ALSO Urssaf – what is it and how does it work?

6 Tax

If you are living in France, then you will need to do the annual income tax declaration – even if all your income comes from abroad and you are retired/not working in France.

Full details on that HERE.

This was in fact the case before Brexit as well but previously there was a little more flexibility for people who split their time between France and the UK. These days if you want to be here for the majority of the year then you will need a visa/residency card, which removes much of the ambiguity about who is a ‘resident’.

The main post-Brexit difference is the rate at which prélèvements sociaux (social charges, similar to National Insurance) are charged on overseas income (eg earnings from work in the UK or income from renting out a UK property).

The rate is 7.5 percent for income from an EU country and 17.2 percent for income from a non-EU country – after Brexit, UK income switched to the non-EU rate.

7 Driving licence 

Foreigners who make France their home will sooner or later need to swap their driving licence for a French one. This too was the case even before Brexit, but many UK or NI licence holders never got round to making the switch, and there wasn’t a lot of enforcement of the rule.

This has now been tightened up and UK/NI licence holders will need to swap their licences for a French one – the exact details of when you make the swap are slightly different for Brits than from other non-EU nationals due to a specific UK-France deal. Find full details HERE.

If you want to bring a car with you from the UK to France, you will also need to re-register it as French – full details HERE.

8 Banks 

Most people moving to France will want to set up a French bank account for daily life, but you may also need a UK account, especially if you are a pensioner as some pensions will only pay into a UK account.

However since Brexit some of the biggest UK high street banks have been closing the accounts of their customers who do not live in the UK.

Alternatives include specific ‘expat’ accounts or internet banks – more details HERE.

9 The Brexit Withdrawal Agreement

It’s worth mentioning the Brexit Withdrawal Agreement even though most of it will not apply to newcomers. In brief, the citizens’ rights part of the Withdrawal Agreement covered people who moved to France prior to December 31st 2020, and intended to give them an easy way to remain in France and retain at least some of their pre-Brexit rights.

In general it does not apply to newcomers unless you are a close family member of someone who is covered by the Withdrawal Agreement – either a spouse or civil partner (in which case you must have married/ registered your partnership prior to December 31st 2020) or child. These people have a different path to residency, and can arrive in France and then request residency via the local préfecture of the family member who is already living here.

It’s also worth mentioning because of how different it is to the situation for new arrivals. It’s normal to ask Brits already living in France how they found the whole process – but if someone starts to tell you that getting residency is easy, the first question that you need to ask is when they moved here.

Those here prior to 2021 did indeed get an easy process – they had a special website to apply online for (free) residency cards and received straight away either a 5-year or 10-year card. This is a totally difference process to the one for Brits moving to France now.

If you’re asking around you would be better talking to Americans, Canadians or other non-EU nationals since their process is much more similar to that now in place for Brits.

. . . And new deals/visas/residency permits for Brits

Every now and again UK media will report which great excitement the possibility of a ‘new deal’ for Brits that will make moving to France, or buying a second home here, easier.

These reports should all be taken with a pinch of salt – there are currently no negotiations underway that would affect the process of Brits moving to France, and even if something is proposed in the near future it will likely take years to come into effect because these types of international agreements usually happen slowly.

A proposal for a ‘youth mobility scheme’ from the EU was rejected out of hand by British politicians before it had even been formally offered.

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