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If you had the chance to design a “playground” for your retirement, your blueprint would have to be the Algarve. Just as Disney parks offer a haven for families, this sun-kissed region is all but custom-made for mature successful people with the means and the will to enjoy many a long year to come.

It's not just the golden beaches, viridian seas, ochre-tinged cliffs and other scenic delights. Or the local cuisine, including the world's best seafood. Or the chance to stay active, with over 40 golf courses and limitless routes for cycling.

It's not just the joys of the open sea, from sailing to deep sea fishing. Or the must-see events, from motorsport to carnivals.

It’s not the short winters, where 16 degrees is considered “chilly”! Or the ready-made holidays, for family to hop over for a week or two in the sun.

There is no singular reason to come here for a well-deserved retirement. Rather, it's the whole experience: a life where every day is whatever you choose to make it. Where, active or leisurely, you're living life at your own pace. With the luxury of knowing… whatever you're doing, nowhere does it better.

You’ll love the weather

The abundance of fig, almond, orange and carob trees should tell you all you need to know about the Algarve climate. There's a reason they don't grow in the UK!

In fact, Southern Portugal has arguably the best weather on mainland Europe, with long summers that stretch well into November and fire up again in February.

Come June, things are heating up nicely, with average highs on the east coast of around 30 degrees, and 32-35 degrees inland.

But you don't have to bake in the heat. The Vicentine coast is notably cooler, rarely topping 25 degrees. The sun still shines there, it's still glorious… but the cool sea surface temperatures make it less of a swelter.

So whatever your constitution, there's a climate here for you.

You’ll love the local spirit

Algarve life is a sociable affair, where people have time for each other and share in the joys of simply being alive. No doubt you've seen whole villages eating together al fresco, with no need of a special cause for celebration.

Life is the celebration!

And you've probably heard tell of our outdoor festivals too. The Black and White Night in Carvoeiro that signals the start of summer, with costumed carousers flowing from the village to the beach. The Medieval marketplace that fills Paderne with arts and crafts, and the best of local gastronomy. And the mask-wearing revellers lighting up the winter at the Carnival of Loulé.

There's always something life-affirming here, in a region with a permanent sense of occasion.

And there's no need to feel lost among the locals. The Algarve’s 450,000 residents include 100,000 expats, many hailing from the UK.

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You'll find communities in the most popular coastal towns and resorts - especially around the largest marinas, where sea-front property attracts avid sailors and anyone drawn to the multi-cultural life.

The real hotspot for expats is Lagos - a  hive of activity, packed with touristy honeypots such as Praia da Luz. You’ll also find plenty of non-locals in the Loulé area, which includes exclusive coastal resorts like Quinta do Lago. Make your home here and life will feel like a full-time holiday.

You’ll love the choice of property

There are stunning character properties in every corner of the Algarve, combining the charm of local design with all the comforts and style you'd expect from your investment.

Many come with striking additions. A tennis court… cinema room… home gym and sauna... plus the pool that's a staple feature of any high-end villa.

The choice is extensive. And yet, despite this buyer’s market, Algarve real estate tends to hold its value. Even through the pandemic, property weathered the storm, with sales continuing and prices holding steady. So you can be sure your investment here will flourish over time, whatever your plans for the longer term.

Of course, the more you pay for your property now, the more it pays you back. So you'll want to spare a thought for budget before you start shopping around. As a rule of thumb, €3000 is a useful guide per square metre. Obviously, it varies according to spec and location, but this is not a bad place to start if you're still mulling over your wish list.

If you had the chance to design a “playground” for your retirement, your blueprint would have to be the Algarve. Just as Disney parks offer a haven for families, this sun-kissed region is all but custom-made for mature successful people with the means and the will to enjoy many a long year to come.

It's not just the golden beaches, viridian seas, ochre-tinged cliffs and other scenic delights. Or the local cuisine, including the world's best seafood. Or the chance to stay active, with over 40 golf courses and limitless routes for cycling.

It's not just the joys of the open sea, from sailing to deep sea fishing. Or the must-see events, from motorsport to carnivals.

It’s not the short winters, where 16 degrees is considered “chilly”! Or the ready-made holidays, for family to hop over for a week or two in the sun.

There is no singular reason to come here for a well-deserved retirement. Rather, it's the whole experience: a life where every day is whatever you choose to make it. Where, active or leisurely, you're living life at your own pace. With the luxury of knowing… whatever you're doing, nowhere does it better.

You’ll love the weather

The abundance of fig, almond, orange and carob trees should tell you all you need to know about the Algarve climate. There's a reason they don't grow in the UK!

In fact, Southern Portugal has arguably the best weather on mainland Europe, with long summers that stretch well into November and fire up again in February.

Come June, things are heating up nicely, with average highs on the east coast of around 30 degrees, and 32-35 degrees inland.

But you don't have to bake in the heat. The Vicentine coast is notably cooler, rarely topping 25 degrees. The sun still shines there, it's still glorious… but the cool sea surface temperatures make it less of a swelter.

So whatever your constitution, there's a climate here for you.

You’ll love the local spirit

Algarve life is a sociable affair, where people have time for each other and share in the joys of simply being alive. No doubt you've seen whole villages eating together al fresco, with no need of a special cause for celebration.

Life is the celebration!

And you've probably heard tell of our outdoor festivals too. The Black and White Night in Carvoeiro that signals the start of summer, with costumed carousers flowing from the village to the beach. The Medieval marketplace that fills Paderne with arts and crafts, and the best of local gastronomy. And the mask-wearing revellers lighting up the winter at the Carnival of Loulé.

There's always something life-affirming here, in a region with a permanent sense of occasion.

And there's no need to feel lost among the locals. The Algarve’s 450,000 residents include 100,000 expats, many hailing from the UK. You'll find communities in the most popular coastal towns and resorts - especially around the largest marinas, where sea-front property attracts avid sailors and anyone drawn to the multi-cultural life.

The real hotspot for expats is Lagos - a  hive of activity, packed with touristy honeypots such as Praia da Luz. You’ll also find plenty of non-locals in the Loulé area, which includes exclusive coastal resorts like Quinta do Lago. Make your home here and life will feel like a full-time holiday.

You’ll love the choice of property

There are stunning character properties in every corner of the Algarve, combining the charm of local design with all the comforts and style you'd expect from your investment.

Many come with striking additions. A tennis court… cinema room… home gym and sauna... plus the pool that's a staple feature of any high-end villa.

The choice is extensive. And yet, despite this buyer’s market, Algarve real estate tends to hold its value. Even through the pandemic, property weathered the storm, with sales continuing and prices holding steady. So you can be sure your investment here will flourish over time, whatever your plans for the longer term. 

Of course, the more you pay for your property now, the more it pays you back. So you'll want to spare a thought for budget before you start shopping around. As a rule of thumb, €3000 is a useful guide per square metre. Obviously, it varies according to spec and location, but this is not a bad place to start if you're still mulling over your wish list.

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If you had the chance to design a “playground” for your retirement, your blueprint would have to be the Algarve. Just as Disney parks offer a haven for families, this sun-kissed region is all but custom-made for mature successful people with the means and the will to enjoy many a long year to come.

It's not just the golden beaches, viridian seas, ochre-tinged cliffs and other scenic delights. Or the local cuisine, including the world's best seafood. Or the chance to stay active, with over 40 golf courses and limitless routes for cycling.

It's not just the joys of the open sea, from sailing to deep sea fishing. Or the must-see events, from motorsport to carnivals.

It’s not the short winters, where 16 degrees is considered “chilly”! Or the ready-made holidays, for family to hop over for a week or two in the sun.

There is no singular reason to come here for a well-deserved retirement. Rather, it's the whole experience: a life where every day is whatever you choose to make it. Where, active or leisurely, you're living life at your own pace. With the luxury of knowing… whatever you're doing, nowhere does it better.

You’ll love the weather

The abundance of fig, almond, orange and carob trees should tell you all you need to know about the Algarve climate. There's a reason they don't grow in the UK!

In fact, Southern Portugal has arguably the best weather on mainland Europe, with long summers that stretch well into November and fire up again in February.

Come June, things are heating up nicely, with average highs on the east coast of around 30 degrees, and 32-35 degrees inland.

But you don't have to bake in the heat. The Vicentine coast is notably cooler, rarely topping 25 degrees. The sun still shines there, it's still glorious… but the cool sea surface temperatures make it less of a swelter.

So whatever your constitution, there's a climate here for you.

You’ll love the local spirit

Algarve life is a sociable affair, where people have time for each other and share in the joys of simply being alive. No doubt you've seen whole villages eating together al fresco, with no need of a special cause for celebration.

Life is the celebration!

And you've probably heard tell of our outdoor festivals too. The Black and White Night in Carvoeiro that signals the start of summer, with costumed carousers flowing from the village to the beach. The Medieval marketplace that fills Paderne with arts and crafts, and the best of local gastronomy. And the mask-wearing revellers lighting up the winter at the Carnival of Loulé.

There's always something life-affirming here, in a region with a permanent sense of occasion.

And there's no need to feel lost among the locals. The Algarve’s 450,000 residents include 100,000 expats, many hailing from the UK. You'll find communities in the most popular coastal towns and resorts - especially around the largest marinas, where sea-front property attracts avid sailors and anyone drawn to the multi-cultural life.

The real hotspot for expats is Lagos - a  hive of activity, packed with touristy honeypots such as Praia da Luz. You’ll also find plenty of non-locals in the Loulé area, which includes exclusive coastal resorts like Quinta do Lago. Make your home here and life will feel like a full-time holiday.

You’ll love the choice of property

There are stunning character properties in every corner of the Algarve, combining the charm of local design with all the comforts and style you'd expect from your investment.

Many come with striking additions. A tennis court… cinema room… home gym and sauna... plus the pool that's a staple feature of any high-end villa.

The choice is extensive. And yet, despite this buyer’s market, Algarve real estate tends to hold its value. Even through the pandemic, property weathered the storm, with sales continuing and prices holding steady. So you can be sure your investment here will flourish over time, whatever your plans for the longer term. 

Of course, the more you pay for your property now, the more it pays you back. So you'll want to spare a thought for budget before you start shopping around. As a rule of thumb, €3000 is a useful guide per square metre. Obviously, it varies according to spec and location, but this is not a bad place to start if you're still mulling over your wish list.

As specialists in high-end Algarve properties, we can offer you a sumptuous choice of villas starting at €500,000. Take a look – you’ll be amazed by the quality homes in this exclusive part of the world.

As specialists in high-end Algarve properties, we can offer you a sumptuous choice of villas starting at €500,000. Take a look – you’ll be amazed by the quality homes in this exclusive part of the world.

As specialists in high-end Algarve properties, we can offer you a sumptuous choice of villas starting at €500,000. Take a look – you’ll be amazed by the quality homes in this exclusive part of the world.

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You’ll love the home from home

Wherever you settle in the Algarve, there's no need to be homesick, because your old life is never far away.

British expats will find familiar foods in our supermarkets, alongside exotic produce from around the world. There's English speaking media, including the daily Portugal News.

And with over 30 flights every day from London, Manchester and Birmingham, your family is only a three-hour trip from the airport at Faro.

So for many seniors, life here brings the perfect mix: the climate, the leisure, the community spirit… without the culture shock of feeling in a different world.

You'll love the cash advantage

Money goes further out here, where the cost of living is 30% lower than any other country in Western Europe.

It's a perfect storm, economically. The mild climate means lower utility bills. The prime spot in the North Atlantic means easy passage for food imports. The healthy tourist economy means affordable choices, from leisure to hospitality. So if you've set a UK budget for living expenses, it's all to the good.

The only extra you’ll want to consider is healthcare, especially as more years pass. If you've moved from a country with free healthcare, you won't get quite the same benefits here. But Portugal has made provision for expats.

All EU residents receive government-subsidised medical care, regardless of nationality. For non-EU expats, there are conditions like resident status and paying into Social Security. So you should take some professional advice on this, and consider your options before locating.

Speaking of paying into the system…let's spare a thought for the taxman.

Brits retiring here will enjoy some great tax incentives, thanks to a tax agreement between Portugal and the UK. Portugal's Non-Habitual Residency (NHR) scheme will tax your UK pension at just 10% for the first 10 years, with no tax payable back in the UK. Meaning your pension taxes are cut in half, and then some.

Outside this scheme, pensions are taxable at the Portuguese Income Tax rate of up to 48%. However, Brits can elect to move their UK pension into a Qualifying Recognised Overseas Pension Scheme (QROPS) to release some tax-compliant opportunities.

It all comes down to personal circumstance though, so again professional advice is key.

And while we're on the subject of financial planning - what about your estate?

You're coming here to enjoy life. But if it's to be your new home, you’ll want to think about the inevitable. So what will happen to your money and property when you pass on?

Portugal operates a system of forced heirship, so your estate will automatically pass to your family unless you make an alternative arrangement. When making a Will, keep in mind there's a 10% duty on locally-based assets like property and vehicles, with exemptions for immediate family. But your domiciled status may complicate things, as your estate may be liable for UK Inheritance Tax at up to 40%.

​​​​​​​

The more assets you own in different countries, and the more beneficiaries in your Will, the more complex this becomes. So we strongly advise you to discuss this with a cross-border finance professional.

But all this comes later. The first step is finding your new home. So…

Take a look at our latest properties and see what catches your eye. Or get in touch and tell us what you’re looking for. Whatever the spec and location, we’ve got scouts across the Algarve who’ll hunt down your ideal property. No charge, no obligation.

And that’s only the start of our relationship. Once you’re out here, we’re at your service day and night.

Because you’re in The Kingsman Circle…

You’ll love the home from home

Wherever you settle in the Algarve, there's no need to be homesick, because your old life is never far away.

British expats will find familiar foods in our supermarkets, alongside exotic produce from around the world. There's English speaking media, including the daily Portugal News. And with over 30 flights every day from London, Manchester and Birmingham, your family is only a three-hour trip from the airport at Faro.

So for many seniors, life here brings the perfect mix: the climate, the leisure, the community spirit… without the culture shock of feeling in a different world.

You'll love the cash advantage

Money goes further out here, where the cost of living is 30% lower than any other country in Western Europe.

It's a perfect storm, economically. The mild climate means lower utility bills. The prime spot in the North Atlantic means easy passage for food imports. The healthy tourist economy means affordable choices, from leisure to hospitality. So if you've set a UK budget for living expenses, it's all to the good.

The only extra you’ll want to consider is healthcare, especially as more years pass. If you've moved from a country with free healthcare, you won't get quite the same benefits here. But Portugal has made provision for expats.

All EU residents receive government-subsidised medical care, regardless of nationality. For non-EU expats, there are conditions like resident status and paying into Social Security. So you should take some professional advice on this, and consider your options before locating.

Speaking of paying into the system…let's spare a thought for the taxman.

Brits retiring here will enjoy some great tax incentives, thanks to a tax agreement between Portugal and the UK. Portugal's Non-Habitual Residency (NHR) scheme will tax your UK pension at just 10% for the first 10 years, with no tax payable back in the UK. Meaning your pension taxes are cut in half, and then some.

Outside this scheme, pensions are taxable at the Portuguese Income Tax rate of up to 48%. However, Brits can elect to move their UK pension into a Qualifying Recognised Overseas Pension Scheme (QROPS) to release some tax-compliant opportunities.

It all comes down to personal circumstance though, so again professional advice is key.

And while we're on the subject of financial planning - what about your estate?

You're coming here to enjoy life. But if it's to be your new home, you’ll want to think about the inevitable. So what will happen to your money and property when you pass on?

Portugal operates a system of forced heirship, so your estate will automatically pass to your family unless you make an alternative arrangement. When making a Will, keep in mind there's a 10% duty on locally-based assets like property and vehicles, with exemptions for immediate family. But your domiciled status may complicate things, as your estate may be liable for UK Inheritance Tax at up to 40%.

The more assets you own in different countries, and the more beneficiaries in your Will, the more complex this becomes. So we strongly advise you to discuss this with a cross-border finance professional.

But all this comes later. The first step is finding your new home. So…

Take a look at our latest properties and see what catches your eye. Or get in touch and tell us what you’re looking for. Whatever the spec and location, we’ve got scouts across the Algarve who’ll hunt down your ideal property. No charge, no obligation.

And that’s only the start of our relationship. Once you’re out here, we’re at your service day and night. Because you’re in The Kingsman Circle…

You’ll love the home from home

Wherever you settle in the Algarve, there's no need to be homesick, because your old life is never far away.

British expats will find familiar foods in our supermarkets, alongside exotic produce from around the world. There's English speaking media, including the daily Portugal News. And with over 30 flights every day from London, Manchester and Birmingham, your family is only a three-hour trip from the airport at Faro.

So for many seniors, life here brings the perfect mix: the climate, the leisure, the community spirit… without the culture shock of feeling in a different world.

You'll love the cash advantage

Money goes further out here, where the cost of living is 30% lower than any other country in Western Europe.

​​​​​​​

It's a perfect storm, economically. The mild climate means lower utility bills. The prime spot in the North Atlantic means easy passage for food imports. The healthy tourist economy means affordable choices, from leisure to hospitality. So if you've set a UK budget for living expenses, it's all to the good.

The only extra you’ll want to consider is healthcare, especially as more years pass. If you've moved from a country with free healthcare, you won't get quite the same benefits here. But Portugal has made provision for expats.

​​​​​​​

All EU residents receive government-subsidised medical care, regardless of nationality. For non-EU expats, there are conditions like resident status and paying into Social Security. So you should take some professional advice on this, and consider your options before locating.

Speaking of paying into the system…let's spare a thought for the taxman.

Brits retiring here will enjoy some great tax incentives, thanks to a tax agreement between Portugal and the UK. Portugal's Non-Habitual Residency (NHR) scheme will tax your UK pension at just 10% for the first 10 years, with no tax payable back in the UK. Meaning your pension taxes are cut in half, and then some.

Outside this scheme, pensions are taxable at the Portuguese Income Tax rate of up to 48%. However, Brits can elect to move their UK pension into a Qualifying Recognised Overseas Pension Scheme (QROPS) to release some tax-compliant opportunities.

​​​​​​​

It all comes down to personal circumstance though, so again professional advice is key.

And while we're on the subject of financial planning - what about your estate?

You're coming here to enjoy life. But if it's to be your new home, you’ll want to think about the inevitable. So what will happen to your money and property when you pass on?

Portugal operates a system of forced heirship, so your estate will automatically pass to your family unless you make an alternative arrangement. When making a Will, keep in mind there's a 10% duty on locally-based assets like property and vehicles, with exemptions for immediate family. But your domiciled status may complicate things, as your estate may be liable for UK Inheritance Tax at up to 40%.

The more assets you own in different countries, and the more beneficiaries in your Will, the more complex this becomes. So we strongly advise you to discuss this with a cross-border finance professional.

But all this comes later. The first step is finding your new home. So…

Take a look at our latest properties and see what catches your eye. Or get in touch and tell us what you’re looking for. Whatever the spec and location, we’ve got scouts across the Algarve who’ll hunt down your ideal property. No charge, no obligation.

And that’s only the start of our relationship. Once you’re out here, we’re at your service day and night. Because you’re in The Kingsman Circle…

Everything is easier inside The Kingsman Circle

​​​​​​​Find your Algarve villa or apartment with us, and you’re an instant lifelong member of The Kingsman Circle: our private community of local home owners who enjoy the best rates and privileged access to every kind of service.

Think of us as your personal concierge - always one call away.

Whether it's a golfing question or any other matter… we're ready with recommendations and ready to arrange.

Retirement

Sailing

Golf

Sailing

Deep-sea Fishing

Deep-Sea Fishing

Golf

Motor Sports

Cycling

Sailing

Motor Sport

Motor Sports

Cycling

Deep-Sea Fishing

Retirement