Living, Working or Owning Property in Gibraltar

If you’re a UK national living in or thinking about moving to Gibraltar, you could enjoy some significant tax advantages. Many expatriates in this area choose cross-border lifestyles, for example by being resident in Gibraltar with a home in Spain, or vice versa.  

Whether you live, work or own property in Gibraltar, specialist financial advice is essential. This should look at tax efficiency and how your estate planning, investment strategies and pensions can work most favourably for you and your particular circumstances.

With personalised financial advice from Blevins Franks, you can make the most of what you have while keeping up with the tax rules in Gibraltar, the UK and Spain, where relevant.

Tax planning

Being resident in one country and working or owning a home in another can offer both tax advantages and disadvantages. If you own property in more than one country, you could also face tax liabilities in each place, even though you can only be tax resident in one country at a time.

Working closely with our London-based tax specialists, Blevins Franks’ local advisers can help you legitimately minimise your tax liability in a way that suits your unique circumstances.

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Estate planning and inheritance tax

While there’s no inheritance or gift tax in Gibraltar, estate planning is one of the most complex areas for cross-border residents. It requires detailed and ongoing planning, ideally before you change your country of tax residence.

Many expatriates don’t realise, for example, that they may remain liable to UK inheritance tax, regardless of how long they’ve lived outside the UK.

Blevins Franks can present legitimate options to ensure your estate is distributed according to your wishes while protecting your heirs from paying more tax than necessary.

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Financial advice tailored for you

Our specialist expertise can make sure your finances are structured as tax efficiently as possible with a strategy tailor-made for you.

We start with an objective assessment of your risk profile so that we can recommend an insurance based investment product and within it a portfolio designed around your personal situation and objectives. We have access to some of the world’s best investment managers to make sure your money works as hard as it can.

Speak to Blevins Franks to take full advantage of the tax and financial opportunities available to British expatriates living in Gibraltar.



The tax rates, scope and reliefs may change. Any statements concerning taxation are based upon our understanding of current taxation laws and practices which are subject to change. Tax information has been summarised; an individual is advised to seek personalised advice.