Stories · Story
WESTERN FAMILIES
The Non-Lucrative Visa income requirement for UK citizens, explained properly.
The number everyone quotes, why it is higher than you think, and the part of the application that actually causes refusals.
The threshold is a formula
It is tied to the IPREM, reviewed every year: 400% for the main applicant, plus 100% for each additional family member. A couple needs 400% plus 100%, not 800%. Two children add another 100% each.
Comfortably over beats technically over
Consulates apply judgement. Sterling income against a euro requirement is a currency risk they can see. Build in real headroom.
What counts as income
- Pensions are the cleanest evidence.
- Rental income from UK property with tenancy agreements and bank credits.
- Regular investment income counts; volatile income less so.
- Savings can substitute, if held and seasoned.
- Employment or freelance work never counts. Use the Digital Nomad Visa.
THE REQUIREMENT THAT CAUSES MORE REFUSALS THAN INCOME
Health insurance with no co-payments, no deductibles and no waiting periods. An international policy with a £50 excess will be rejected. Travel insurance never qualifies.
What else the consulate wants
- An ACRO criminal record check, apostilled and sworn-translated.
- A medical certificate.
- Proof of accommodation in Spain.
- An appointment booked well ahead.
Coaching and guidance only, not legal advice. Not an immigration lawyer or agent. Every pathway goes through the official channel of the destination country.
Not sure which visa fits?
Start with a short call and leave with a clear next step for your situation.
Where to go next
Spain Non-Lucrative Visa
Live in Spain without working there.
Moving from the UK
Brexit, healthcare, driving and the tax questions.
Spain Digital Nomad Visa
Keep your job. Change your life.