Whether you’ve been planning your next move for years, or the idea of relocating has only just crossed your mind, retirement marks the start of an exciting new chapter in your life.
The location you choose can shape everything about your day-to-day life, from the community you’re a part of to the landscape, activities, and amenities that surround you. It’s not just about picking a pretty place; it’s about finding somewhere that suits the lifestyle you want.
Maybe you’re set on staying where you are, or perhaps you’re dreaming of a fresh start somewhere new. Either way, if the question of “where?” is still up in the air, this guide is here to help.
Here’s a closer look at five of the best places to retire in the UK, with some tips to help you figure out what’s right for you. When considering your options, it’s essential to think about factors such as lifestyle, community, and access to amenities. Many of these locations not only provide a serene atmosphere but also have a vibrant social scene, making them some of the best retirement destinations for brits. Explore each area’s unique offerings to find the perfect fit for your golden years. Additionally, it’s beneficial to research local healthcare services and recreational activities that align with your interests. Understanding how to plan early retirement can also make a significant difference, ensuring you have the financial stability and peace of mind to enjoy this new chapter of life. Take the time to assess your priorities and make informed decisions that will lead to a fulfilling retirement experience.
The top 5 places to retire in the UK
Retirement Destination Spotlight 1: Devon
Devon boasts a higher happiness index than the national average. Plus, its mild climate means more opportunities to enjoy those sandy beaches and the rugged beauty of Dartmoor and Exmoor. The area also offers a strong healthcare network, with hospitals like the Royal Devon and Exeter Hospital highly rated for senior care.
Retirement Destination Spotlight 2. Dorset
Famous for the UNESCO-protected Jurassic Coast, Dorset combines natural beauty with a rich historical backdrop. The county benefits from more sunshine hours than the UK average, making it perfect for outdoor enthusiasts.
Dorset is also one of the safest counties in the UK, with low crime rates and it has a thriving older population, meaning plenty of community groups and activities tailored for retirees.
Retirement Destination Spotlight 3: Northumberland
For those who love a mix of history and the outdoors, Northumberland offers the perfect blend. From its ancient castles and the iconic Hadrian’s Wall to dark skies perfect for stargazing, it’s an affordable alternative to Dorset, with 2025 house prices around 22% lower than the national average. The slower pace of life here is ideal for those looking to escape the hustle and bustle.
Retirement Destination Spotlight 4: Shropshire
This rural haven boasts unspoiled landscapes, including the Shropshire Hills Area of Outstanding Natural Beauty and quaint market towns like Ludlow, which is commonly referred to as the “foodie capital of the Midlands,” and was recognised by The Sunday Times in 2023 as one of the best towns to live in the UK for quality of life.
In addition, the cost of living in Shropshire is generally lower than in urban centres, with access to local produce and community markets helping residents maintain a more sustainable lifestyle.
Retirement Destination Spotlight 5: The Cotswolds
Famed for its honey-coloured stone cottages and scenic rolling hills, the Cotswolds exudes charm. It’s not just beautiful – it’s practical too, as the area is home to some of the UK’s highest-ranked GP practices and is renowned for its active social scene, including clubs, cultural events, and festivals.
While property prices here can be higher than average, the stunning surroundings and strong sense of community make it a worthwhile investment for many retirees.
What to Look for in a Great Retirement Destination?
What are the essential criteria for choosing a retirement location?
Finding your ideal place to retire isn’t just about picking somewhere beautiful; it’s about finding a location that suits your lifestyle, needs, and budget. While these criteria may seem obvious, they are worth reiterating. Let’s dive into the key considerations you should focus on as you plan your retirement move.
Budget
Your budget will play a significant role in determining where you can retire. Property prices and the general cost of living vary widely across the UK. Some areas, such as the south coast, can be more expensive, while regions like the Midlands may offer more affordable options without compromising on quality of life. Additionally, it’s essential to factor in your lifestyle preferences and any health care needs when choosing a retirement location. Researching the average living expenses, including groceries and healthcare, can provide insight into how much money for comfortable retirement you will need. Ultimately, striking a balance between affordability and desired amenities can lead to a fulfilling retirement experience.
Lifestyle and interests
Whether you dream of coastal views, countryside walks, or lively city living, the UK offers something for everyone. Think about the type of environment that will bring you the most joy in your retirement years. Consider exploring charming villages, taking scenic hikes, or immersing yourself in vibrant cultural experiences. Planning these adventures can lead you to exciting bucket list ideas for retirement that reflect your passions and interests. Ultimately, your retirement years should be a fulfilling chapter of your life, filled with exploration and joy.
Populations and community
Consider the type of community you want to live in. Do you prefer a bustling area with plenty of activities and social opportunities, or a quieter location with a slower pace of life? Demographics also play a role, as some retirees prefer areas with a larger proportion of older residents, to help foster a sense of belonging.
Transport links
As you settle into retirement, staying connected to family, friends, and essential services is vital. Look for areas with good public transport options, proximity to major motorways, or access to train stations and airports for travelling farther afield.
Healthcare access
Close proximity to high-quality healthcare is practical and important. Ensure that you’ll have easy access to GPs, hospitals, and specialist care if needed. Some regions, like the North East and Yorkshire, are renowned for their excellent healthcare facilities, making them a good choice for more health-conscious retirees.
Tips for a Successful Retirement in the UK
Planning your retirement is as crucial as choosing your new home. Here are some tips to ensure a smooth transition: Start by assessing your financial situation, including savings, investments, and expected expenses during retirement. Utilizing comfortable retirement planning tips, such as creating a detailed budget and exploring various income sources, can help you make informed decisions about your future. Additionally, consider consulting a financial advisor to tailor your plan to your personal needs and goals.
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Update your nomination forms and keep beneficiary and estate planning documentation current to protect your assets.
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Communicate clearly and discuss your retirement plans with loved ones to avoid any future confusion.
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Plan financially and consult with a financial adviser to structure your retirement income and savings effectively.
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Research thoroughly, visit your potential retirement locations, and speak with local residents to get a true sense of the community and lifestyle.
Planning Your Retirement in the UK
As we’ve explored, retirement is about more than choosing where to live, it’s about creating the freedom to enjoy this next chapter in a way that feels right for you. From managing your income and protecting your assets to planning for long-term care, Flying Colours is here to guide you every step of the way.
Choosing the perfect place to retire is an exciting chance to embrace a fresh start and design the lifestyle you’ve always wanted. By balancing your budget, lifestyle preferences, and practical needs, you can find a place that truly feels like home.
If you’re ready to take the next step, get in with our independent financial advisers. We offer personalised advice on pensions, investments, and financial planning, to help you make the most of your retirement savings and build a secure, fulfilling future.
Let’s plan your dream retirement – together.