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BRITS IN SPAIN

Why are there so many British cemeteries in Spain?

There are around 30 British cemeteries scattered around Spain, most of which have been there for over 150 years. This is the fascinating story of how they came to exist.

Why are there so many British cemeteries in Spain?
Why are there so many British cemeteries in Spain? Photo: Nikodem Nijaki / Wikimedia Commons

Britain and Spain have centuries of shared history, having been friends and foes through countless armed conflicts, royal marriages and alliances.

It would be best described as a love-hate relationship, although in modern times strong diplomatic, cultural and economic ties prevail.

Around 400,000 UK nationals currently reside in Spain, millions more visit España every year.

There’s everything here from British pubs to British schools and – some of you may not know – British cemeteries.  

READ ALSO – Where do Spain’s British residents live in 2023?

According to the Foundation of British Cemeteries in Spain, there are around 30 British cemeteries to be found around the country.

So why are there so many cementerios británicos here? Is it simply because so many Brits have chosen Spain as their home?

According to the foundation, negotiations to build British cemeteries in Spain have actually been going on since the 17th century, but it wasn’t until the 19th century that any were established.

When a non-Catholic or Protestant died in Spain, it was a problem for the local Spanish communities as well as the British ones, as there were no provisions for them to be buried or have a funeral the way that their religion dictated. 

Finally, in the mid-19th century a Royal Decree was established in order to allow British communities in Spain to buy land, so that when non-Catholics died in the country, they could receive a proper burial according to their denomination.

READ ALSO: The towns in Spain where Brits outnumber locals

Thomas M. Gallagher Funeral Home states that: “The primary distinction between Protestant and Catholic funerals is that Catholics bless the mausoleum or ground before burying the remains or urn. Only a few prayers and commitments will be said for Protestant funerals”.

Catholic funerals are also more ritualistic, whereas Protestant ones focus more on the person than the ceremony.

The land was either bought on behalf of the British Crown, representatives from British companies established here, or by wealthy members of the British communities themselves.

It is worth keeping in mind that there are many cemeteries called ‘British’, ‘English’, ‘Protestant’, ‘Anglican’, ‘St George’ or ‘Episcopalian’ throughout Spain, but despite the names, the foundation states that they are not all in fact British.

Some belong to other countries and some are no longer owned by the British Crown.

Four of the most important British cemeteries in Spain are found in Valencia, Madrid, Bilbao and Málaga. Other important ones include those in Dénia (Alicante), Minas de Riotinto (Huelva), Linares (Jaén), Camariñas (A Coruña), and Tharsis (Huelva).

Several smaller ones can be found in San Sebastián, Huelva, A Coruña, Vilagarcía de Arousa and Cádiz. 

The Cementerio de los Ingleses in Madrid. Photo: Edescas / Wikimedia Commons
 
 
 

Madrid

The British Cemetery in Madrid is still owned by the British Government and was created in 1854. It was established as a place where non-Roman Catholics could be buried. Over the years however, many people from different countries and religions were laid to rest here, including Jewish, Russian and Greek Orthodox. 

The cemetery is still maintained by British residents in Madrid, and although today burials are seldom carried out here, it can still be used to lay ashes or commemorative plaques.

 
Valencia

Valencia and its southern coastline have always been one of the most popular places for Brits in Spain and remain so today. There is evidence of a British cemetery in Valencia in existence since the mid-19th century, but it wasn’t until 1870 that the current cemetery was built.

It was created as a place to bury both British residents, as well as those from other Northern European nations. Because they were not Catholics, they were not authorised to be buried at the local Valencian cemeteries.

Many of the first Brits buried there were sailors, merchants and those working on the railways, as well as those from the International Brigades during the Spanish Civil War.

Brits can still be buried at the cemetery today, although it is generally closed to public visits. 

Bilbao

Bilbao may seem like an odd place for a British cemetery, given the fact that today most Brits live in the south of the country or along the Mediterranean coast, but it is one of Spain’s most important. It was established in 1860 and primarily used for those non-Catholic British people who died while helping to work on the Bilbao-Tudela railway line and in the Bilbao port.

Also known as the Siete Árboles or Seven Trees, it was originally located along the banks of the River Nervión, where today you’ll find the famed Guggenheim Museum, but in 1926 it was moved to the nearby municipality of Lujua due to health concerns, being located right in the centre of the city. After it was moved, it was decided that it would be expanded to include Catholics and other nationalities too.

Málaga

Although not as big as the first three, Málaga’s English Cemetery, known as San Jorge or St George, is actually the oldest protestant cemetery in Spain.

It was founded in 1831, and is filled with various types of funerary monuments including neo-Gothic, modernist and even Celtic. Although no burials are allowed there today, it can like the one in Madrid, be used to scatter ashes. 

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BRITS IN SPAIN

Six factors British people need to consider before retiring to Spain

If you're a UK national and thinking of retiring to Spain, there are some important factors you need to think about before making the move, and before you make any decisions about your UK pension.

Six factors British people need to consider before retiring to Spain

Retiring to Spain is a dream for many, but in order to make that dream a reality, you need to know that you can financially support yourself.

For most retirees, their main or only income will be a UK pension, so it’s important to understand how your pension will work once you make the move to Spain. 

There are some specific rules and restrictions you should know when your pension is paid outside of the UK. You also need to understand how your pension will be taxed in Spain.

Financial adviser, Maeve Hoffman, from Spectrum IFA Group, emphasised that people should not take these decisions lightly, telling The Local: “Figuring out what to do with your pension should be part of your wider financial plans for your life”.

“This may be your most important asset, besides your home, and the best answer for what to do with your pension is highly individual. There are no sweeping generalisations when it comes to advice on private pensions. Everyone’s situation is different,” she said.

This article is intended as an overview of how the system works for UK pensioners and is not intended as a substitute for individual financial advice. It’s aimed at people who have worked most or all of their career in the UK and then plan on retiring to Spain – the situation is slightly different for people who have worked in Spain and then retire here.

READ ALSO: Which UK benefits can Brits keep if they move to Spain?

Long-term or short-term

The first thing you need to decide is if you’re moving Spain for the long-term or short-term. 

If you’re looking to stay here permanently, there are certain advantages you can benefit from, but they could make things extra complicated if you end up returning to the UK in the future.

Make sure you ask yourself the tough questions so you can think about every eventuality. Is there a chance that you will have grandchildren in the future that you’ll want to be close to them? Have you ever spent a significant time in Spain, before, apart from just for short holidays? Do you have connections to Spain, such as friends, family or a home? If your health deteriorates, will you want to be cared for in Spain or the UK?

If are unsure about the answers to these questions, then take some time to really think about them. There are alternatives to permanently moving to Spain if you are unsure – for example, you can stay here for three months without the need for a visa.

Understand the different tax rules

British retirees should be aware that the UK and Spain have very different tax systems.

Once you become a tax resident in Spain you have to file a yearly declaration on your global income. Your UK pension will be taxed in Spain and you will no longer be liable to UK taxation, unless you have a government service pension.

You can check if your pension is classified as ‘government’ here.

The UK state pension, as well as any other private pensions, will be taxable in Spain.

Because of this, will want to think about whether your previous plans for your private pension were only advantageous to you as a UK resident. Once you become a Spanish tax resident, they could have unforeseen implications.

For example, there is no tax-free lump sum in Spain. If you want to take out a lump sum, taking it while you are still a UK resident will save you a lot in tax.

Taxes also depend on the region in which you decide to retire to. Some are a lot more advantageous than others, so it’s important you know the rules of where you plan on moving to. 

READ ALSO: Why you should move to this region in Spain if you want to pay less tax

Get reliable, expert financial advice before doing anything

If you have decided you want to be in Spain permanently, then you will need some expert tax and pension advice – but you need to be careful who you take advice from, this is a highly specialist area and it’s unlikely that high street financial advisers will have the knowledge that you need. 

Brexit has also made getting financial advice more complicated, with fewer experts available.

Hoffman told The Local: “Because of Brexit, you cannot use a UK-based financial adviser anymore – you have to use an EU-registered one. This has made things more complicated. When picking an adviser, seek out someone who has expertise on the local taxation rules. They should also be regulated with the financial regulator where you live and where they work”. 

It can be especially complicated to work out who you should and shouldn’t take advice from – for example, some UK-based advisers have continued to give advice to EU-based clients, even though are not following EU regulations anymore. 

Hoffman adds: “There are free, government-based services in the UK that can help you understand your private pension – Pension Wise and Money Helper. Before doing anything, you should consult the free services. Any financial adviser worth their salt would recommend this too. 

“These services have begun to have longer wait times, so be sure to book well in advance of when you plan to draw from your pension.”

Decide whether to transfer your pension

Another question that is important for Brits to think about is whether or not to transfer their pension into either a UK-based SIPP for non-residents, or a QROPS (Qualifying Recognised Overseas Pension Schemes).

The SIPP will keep your pension in the UK, while the QROPS moves it out of the UK. 

These options can be helpful for residents in Spain, but you need to familiarise yourself with their benefits and drawbacks.

“The QROPS is not for someone who is unsure of their future, as if you return to the UK within five years of the pension transfer, HMRC will seek their tax back as if it was a full encashment,” Hoffman said.

You should also beware of scams on this subject, as the post-Brexit period saw many scammers seeking to persuade Brits that it was now mandatory to transfer their UK pension – always be wary of any cold-calling or unsolicited financial advice.

Determine how you will draw from your pension

The next factor to consider is how you want to receive your pension – either as regular income or as a lump sum. The option that you chose will have tax implications in Spain.

Generally, the tax rate will depend on the amount of your pension, but can range from 19 to 47 percent in Spain.

Remember that there is no ‘tax-free lump sum’ in Spain, so it’s best that you don’t draw from your pension that way.

Healthcare and Social Security

You won’t automatically be covered for healthcare in Spain if you retire here, because you won’t be working and therefore won’t be paying social security.

Thankfully, there are various options. UK nationals who retire to Spain (and have never worked in Spain) and have already reached the state pension age can apply for the S1. This means that the UK continues to pay for their healthcare costs and they would not be charged social security. Non-working spouses of an S1 holder can also benefit from this.

READ ALSO – Healthcare in Spain: the steps to apply for the S1 form for UK state pensioners

You can also choose to pay for the convenio especial (which translates to ‘special agreement’). This allows foreigners in Spain to pay a monthly sum into the country’s public health system to have access to it, even if they don’t work. To access it, you will pay a monthly fee of €60 if you are under 65 and €157 if you are over 65. 

Of course, you also have the option of getting private health insurance too.

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